Business Details
29 Years
experience
Your Trusted Community Credit Union in New York
Since 1997, Neighborhood Trust has provided low-cost financial services, affordable loan rates, and financial education to underserved communities in Upper Manhattan, New York. As a community development credit union (CDCU), we are regulated by the National Credit Union Administration (NCUA) and certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury. We pride ourselves on offering equal opportunity to all individuals, regardless of immigrant status, through a wide range of financial products and services. Our commitment to the Latino community earned us the first Juntos Avanzamos accreditation in the United States in 2017. We operate as a non-profit financial cooperative, ensuring our members receive competitive rates and personalized support.Our democratic ownership model allows members to participate in governance, fostering a community-driven approach to financial wellness. With federal insurance up to $250,000, we provide security and trust for our members' financial futures. Our team of experienced professionals delivers tailored solutions, including financial counseling and technical assistance for small businesses. Through partnerships like Neighborhood Trust Financial Partners, we expand access to education and outreach programs. Our mission remains focused on empowering individuals to establish credit, accumulate assets, and achieve long-term financial freedom.
Services
Personal Loans
Credit Cards
Home Loans
Auto Loans
Business Loans
Financial Education
ITIN Services
Savings Accounts
Checking Accounts
Technical Assistance
Details
- Year established: 1997
Highlights and features
- We have over 25 years of experience serving underserved communities in Upper Manhattan.
- Our affordable loan rates and low-fee accounts prioritize financial accessibility for all members.
- We offer free financial education and counseling to help members achieve long-term stability.
- Our community-driven model ensures decisions reflect local needs and priorities.
- We provide equal access to financial services regardless of immigration status.
Associations and certifications
- National Credit Union Administration (NCUA)
- Community Development Financial Institution (CDFI)
- Juntos Avanzamos
Services
Personal Loans
We offer affordable personal loans with competitive rates tailored to individual financial needs. Our flexible terms help members achieve goals like debt consolidation or emergency expenses. As a non-profit credit union, we prioritize low rates and personalized support to ensure financial accessibility for all.
Financial Education
Our Financial Wellness Program includes workshops, one-on-one counseling, and technical assistance for small businesses. We cover budgeting, credit building, and financial planning to empower long-term stability. Services are available in English and Spanish to serve diverse community needs.
ITIN Services
We provide specialized support for ITIN holders, including savings accounts, loans, and credit-building tools. Our program helps individuals without Social Security Numbers establish financial footholds through tailored banking solutions and guidance on tax compliance and credit history development.
Business Loans
We offer loans and lines of credit designed for small businesses, along with free technical assistance. Services include financial projections, loan application support, and cash flow management to help entrepreneurs launch or expand ventures in underserved communities.
Savings Accounts
Our savings and checking accounts provide secure, low-cost options for individuals and businesses. Features include mobile banking, direct deposit, and money transfer solutions with minimal fees to encourage financial growth and accessibility for all members.
People
Rafael Monge-Portaro
President
Rafael leads Neighborhood Trust FCU with over 20 years of experience in community financial services. He focuses on expanding access to banking for underserved populations and strengthening partnerships to enhance member support.
Stephen Tolbert
Financial Officer
Stephen manages financial operations with expertise in credit union compliance and risk management. He ensures fiscal stability while supporting affordable lending programs for members in Upper Manhattan.
Gabriela Rodriguez
Compliance Officer
Gabriela oversees regulatory compliance and fair lending practices. Her work ensures equitable access to financial services for all members, including immigrant communities.
Nazarett Perez
Marketing Communications Officer
Nazarett develops outreach strategies to connect with underserved populations. She promotes financial literacy programs and membership growth through community-focused initiatives.
Ana Paez
Financial Counselor
Ana provides free one-on-one financial counseling to members. She specializes in budgeting, debt management, and credit-building strategies to improve long-term financial health.
Questions
What financial services does Neighborhood Trust offer?
We provide personal and business loans, credit cards, savings/checking accounts, financial education, ITIN services, and technical assistance for small businesses.
Can non-U.S. citizens join Neighborhood Trust?
Yes. We serve all individuals regardless of immigration status, including ITIN holders who need banking and credit-building services.
How do I apply for a loan?
Apply online, visit our branch, or contact our loan officers. We offer personalized support for personal, auto, home, and business loans with competitive rates.
What financial education programs are available?
We offer virtual workshops in English/Spanish on budgeting, credit, and debt management, plus one-on-one counseling and small business technical assistance.
Are my deposits insured?
Yes. All accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
What are the branch hours?
Monday-Tuesday 9 AM-4 PM, Wednesday 9 AM-1 PM, Thursday 9 AM-6 PM, Friday 9 AM-4 PM, Saturday 10 AM-2 PM, Sunday closed.
Videos
Reviews (7)
Maite D. Nova
Oct 24, 2021
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They have your back when when you need someone to support you. Everything from your NYCID to loan to cover your childs medical expenses or to refinance your existing high interest debt. The care and concern this place has for its people is how personal banking should be. I highly recommend joining NTFCU. They are a game changer and your financial ally.
Noel Melendez
Aug 15, 2021
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I paid off an account in June. My original bank said the money was withdrawn, but NTFC can figure out where it wentIm still waiting for Isaac to tel me but every time I call he saysIll call you back and it never happens.
Bo Ale
Aug 14, 2021
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Terrible service over the phone and lucky the person that can talk to a real person. Doesn't even have no type of benefits towards credit...
Leah King
Mar 29, 2021
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You will never ever speak to a real human this bank is a joke - they text you !!! This is how they communicate, they text you ... they make you play the telephone olympics just to speak to some virtual assistant thats likely a rude bi..:. And then if they feel like it they text you - please review all of your options before you come here they close most of the working day so u cant access your own money and they dont answer the phone if u want to text your bank and get the run around put on your dancing shoes cuz they play all the games - just not a good bank - nine of those numbers lead
Victor Renard
Jan 08, 2021
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I need to know if there is a Brooklyn New York location ? Exactly how many New York locations are they ??
E. De La Cruz
Dec 15, 2019
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Personal service with an extremely helpful and capable staff. Valuable experience that is not found in large commercial banks.
Chelsea Lim
Jul 19, 2017
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Place is wonderful. I only went to get my NYC id - I didn't use the services the credit union offers. But the people occupying the space for NYC id applications (resident id that grants discounts and memberships on NYC activities) were great. They were super helpful and funny, even. What a great service provided to our communities. Easy to find, right off the A train @168 and on an obvious corner off 166&st nic.
