Products and Services - NorthEast Alliance Federal Credit Union



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Products and Services

Auto Loans

New & Used Auto Loans
Whether you’re looking to purchase a new or used car or refinance your existing auto loan, you can be confident you’ll be getting a great deal when you finance your new or used car or truck with NEAFCU.

Terms up to 60 months
Competitive rates
Premium account discounts
Up to 100% financing
Refinancing loans from other financial institutions
Discounted auto insurance

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Visa® Credit Cards

A Visa credit card through NEA will offer you a low interest rate with no annual fees and a true 25-day grace period (The number for lost or stolen cards is 800-433-0505). Click here to apply today.

Signature Loans
Use an NEAFCU Signature Loan to help you with your smaller unplanned expenses. We offer competitive rates and terms to suit your needs. Click here to apply today.

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Checking Accounts

A checking account at NEA is the right choice. It offers you the convenience you need without all the high fees. There is no monthly service charge, no minimum balance requirement and no limit on the number of checks you can write. You can set up automatic transfers from other accounts, as well as a line of credit to prevent having insufficient funds. We’ve got you covered. Click here to apply today.

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Savings Accounts

You can manage any of these accounts 24/7 online through our “PCU” or via the telephone with our MARS Telephone Account Access system.

Basic Savings Account
A basic savings account is your key to membership at NEA. With a minimum balance of $50.00, you become a member and can take advantage of all other products and services. Build your savings account with optional payroll deduction and earn a competitive dividend.

Club Accounts
Whether you’re saving for a dream vacation or for holiday shopping, we’ve got a club account that will help you stick to your plan. With automatic deduction your savings will build quicker and easier than ever before.

Money Market Accounts
An NEA money market account earns a higher dividend than a basic savings account. With a minimum deposit, you can earn a preferred rate, while still having access to your money.

Certificate Accounts
Certificate accounts offer you a secure place to save your money. You’ll earn competitive rates and we offer terms from 6 to 60 months.

IRA Accounts
NEA offers traditional and Roth IRAs for your retirement savings. We offer flexible terms and competitive rates.

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Home Equity Loans & Lines

Home Equity Loans
A Home Equity Loan at NEA helps you optimize the equity in your home so you can get more for less. Go on and add a bedroom, redo your kitchen and add that pool. All NEA Home Equity Loans offer:

Low interest rates
Fast processing
Terms up to 15 years
Borrow up to $75,000
Interest paid may be tax deductible – check with your tax advisor

Home Equity Line of Credit
Your home’s equity can be an excellent source of funding for home improvements, debt consolidation, and emergency cash. With a Home Equity Line of Credit at NEA , you can be sure you make the most of that equity with:

Low interest rates
Fast processing
15-Year Draw
Borrow up to $50,000
Interest paid may be tax deductible – check with your tax advisor

Click Here to Apply Today

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Mortgages

Buying a new home or renovating your home can be an intimidating process. It may be the biggest financial decision of your life so you want to do business with people you can trust.

NEA FCU has been providing financial services to its members since 1976 and our priority has always been our members’ needs. We offer a variety of home loan options through a trusted partner, who will provide personal service throughout the entire process.

Mortgage Loans
Our mortgage products reflect our “people are worth more than money” philosophy with a process that’s fast and hassle-free. The terms are just as people-friendly:

Fixed and adjustable-rate mortgages
The competitive interest rates we offer our members every single day
Low down payments, so you keep more of your hard-earned savings
Flexible terms, including lock-in and float options for the best possible rate
Affordable closing cost programs to save you money

No matter what kind of home you’re considering, we’ll walk you through the process without leaving you in the dark or pushing you too fast.

View our Mortgage Loan Calculator

Refinancing
Save money. Shorten your mortgage term. Free up cash. We can make it all happen with our refinancing program. Refinancing allows you to lower your monthly payment, get access to cash from the equity in your home, consolidate debt or pay for whatever you need. And our program has a refinancing process for real people that’s fast and hassle-free. The terms are just as people-friendly:

Lock-in and float options to help you secure the best possible rate
No up front costs when you roll them into the new loan amount
The competitive interest rates we offer our members every single day
Every effort made to keep fees low

FHA (Federal Home Loan) Loans
We offer standard FHA loans and reverse mortgages for eligible members. FHA offers low down
payment options, eligibility with less than perfect credit, a loan at a reasonable cost, and help if there is ever trouble making the mortgage payment. FHA not only helps people buy a home, but helps them keep it as well.

Click here to begin the pre-qualification process today.

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Electronic Services

PCU Home Banking Service
24-hour Internet access to your accounts – from home, from work, or anywhere in the world! PCU Home Banking includes the following features and benefits:

Pay bills online with free Bill Pay
View images of cleared checks
View account history
Transfer funds between accounts
Reorder checks

Click here to register for PCU Home Banking today.

Bill Pay Service
Pay your bills any time of day, any day of the week with online access. NEA Bill Payment lets you pay your bills right from your home or office - or anywhere you have access to a personal computer.
Click here to apply today.

If you do not have Acrobat 4.0 or higher, upgrade now.

Please note, you must apply for this service. A Username ID and Password will be sent to you, only after a completed application is received by the Credit Union.

The bill payment system can be accessed if your computer's browser is 5.0 or above. You can use Netscape or Microsoft Explorer. The browser must have 128 bit encryption.

MARS Bank By Phone Service
Handle more than 36 transactions and apply for loans from any Touch-ToneTM phone. Any time. Any day. Access MARS by calling 845-735-MARS in state or 800-330-MARS out-of-state.

ATM/Debit Card
Make cash withdrawals, transfers and balance inquiries at any ATM displaying NYCE or Cirrus symbols. Make direct payment from your checking account at merchants displaying MasterCard® symbol. No ATM fees with net pay direct deposit.
(Surcharges by other ATM owners may apply.)

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Investment Services

Through a partnership with Opus Advisory Group, NEA has a Financial Advisor on-site to offer its membership premier financial investment products. Opus Advisory Group is a local financial service firm, which has been serving community needs for more than 20 years.

Through our alliance with Opus, we are able to offer you the opportunity to meet with experienced, licensed professionals to review the following important financial goals in your life:

Personal insurance needs
Retirement planning
Best approaches for saving for college
Overcome a financial set-back

Click here to learn more about the services available to you through Opus Advisory.

The alliance will be guided equally by NEA FCU and Opus Advisory Group. When visiting our branch office, please feel free to talk to the Opus Financial Advisor to learn more about the services they provide. Or, you may contact them at any time by calling 914-825-1019.

As always, we look forward to continuing to help you meet your personal and professional financial goals.

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Insurance

MEMBERS® Auto and Homeowners Program
You trust Northeast Alliance FCU to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
Convenient e-service, pay your bill or make changes to your policy, even report a claim.
Receive fast, easy access to claims service 24-hours a day.
Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Click here to get started on a quote

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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