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797 <div class="sqs-layout sqs-grid-12 columns-12 empty" data-type="block-field" id="blockField1"><div class="row sqs-row"><div class="col sqs-col-12 span-12"></div></div></div> 798 </div> 799 800 <div class="routing-number">Routing #: 026083713</div> 801 802 <!--div class="google-trans"> 803 <div id="google_translate_element"></div> 804
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819 820 821 </div> 822 </header> 823 824 <div class="Site-inner" data-controller="HeaderOverlay"> 825 826 <header class="Header Header--bottom Header--overlay"> 827 <div class="Header-inner Header-inner--bottom" data-nc-group="bottom"> 828 <div data-nc-container="bottom-left"> 829 <nav class="Header-nav Header-nav--primary" data-nc-element="primary-nav" data-content-field="navigation"> 830 831 <div class="Header-nav-inner"> 832 <span class="Header-nav-item Header-nav-item--folder"> 833 834 <a href="/personal" class="Header-nav-folder-title" data-controller="HeaderNavFolderTouch">Personal Banking</a> 835 836 <span class="Header-nav-folder"> 837 838 839 840 <a href="https://mobicint.net/ntf/workflow" target="_blank" class="Header-nav-folder-item">Join Us</a> 841 842 843 844 845 <a href="/savings-checking" class="Header-nav-folder-item" data-test="template-nav">Savings & Checking</a> 846 847 848 849 <a href="/certificates" class="Header-nav-folder-item" 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1004 <div class="sqs-layout sqs-grid-12 columns-12 Intro-content sqs-alternate-block-style-container empty" data-layout-label="Intro" data-type="block-field" id="636a81105044c1734cbf92e3_intro"><div class="row sqs-row"><div class="col sqs-col-12 span-12"></div></div></div> 1005 1006 1007 <figure class="Intro-image" data-parallax-image-wrapper> 1008 1009 <img data-src="https://images.squarespace-cdn.com/content/v1/634491d88d90aa189dd0b4bd/1667950275884-7KZUNSD9SLE22AVCCE3T/AdobeStock_97927166.jpeg" data-image="https://images.squarespace-cdn.com/content/v1/634491d88d90aa189dd0b4bd/1667950275884-7KZUNSD9SLE22AVCCE3T/AdobeStock_97927166.jpeg" data-image-dimensions="4500x2206" data-image-focal-point="0.5,0.5" alt="AdobeStock_97927166.jpeg" data-load="false" class="adaimages"/> 1010 1011 </figure> 1012 1013 1014</section> 1015 1016 1017 1018 1019 1020 1021 <main class="Main Main--page" > 1022 1023 <section class="Main-content" id="main-content" data-content-field="main-content" id="main-content"> 1024 <div class="sqs-layout sqs-grid-12 columns-12" data-type="page" data-updated-on="1670272669091" id="page-636a81105044c1734cbf92e3"><div class="row sqs-row"><div class="col sqs-col-12 span-12"><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-636a81105044c1734cbf92e4"><div class="sqs-block-content"> 1025 1026<div class="sqs-html-content" data-sqsp-text-block-content> 1027 <h1 style="white-space:pre-wrap;">News and Articles </h1> 1028</div> 1029 1030 1031 1032 1033 1034 1035 1036 1037 1038 1039 1040 1041 1042 1043 1044 1045 1046 1047 1048 1049 1050 1051 1052 1053 1054</div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-horizontalrule horizontalrule-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.visitor.js"]" data-block-type="1337" data-definition-name="website.components.horizontalrule" data-sqsp-block="line" data-website-component-id="yui_3_17_2_1_1667944207002_1988" id="block-yui_3_17_2_1_1667944207002_1988"><div class="sqs-block-content"> 1055 1056 1057 1058<div> 1059 <hr /> 1060 1061 <style class="transform-overrides-vars"> 1062 1063</style> 1064 1065 1066 1067 1068 1069 1070</div> 1071</div></div><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-yui_3_17_2_1_1667944207002_2050"><div class="sqs-block-content"> 1072 1073<div class="sqs-html-content" data-sqsp-text-block-content> 1074 <h2 style="white-space:pre-wrap;">NTFCU partners with Citibank on CITIâs ATM Community Network</h2><p class="" style="white-space:pre-wrap;">Neighborhood Trust FCU was invited, together with a handful of other community-oriented financial institutions to participate in this pilot, which will provide surcharge-free access to CITIBANK branch ATMs to all our members countrywide.</p><p class="" style="white-space:pre-wrap;">This is definitely a recognition by Citibank for all the work NTFCU is doing for the Upper Manhattan community, and the winners are definitely our members!</p><p class="" style="white-space:pre-wrap;">August 1st, 2016| alternative lending, financial inclusion, financial services, Unbanked, underbanked</p> 1075</div> 1076 1077 1078 1079 1080 1081 1082 1083 1084 1085 1086 1087 1088 1089 1090 1091 1092 1093 1094 1095 1096 1097 1098 1099 1100 1101</div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-horizontalrule horizontalrule-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.visitor.js"]" data-block-type="1337" data-definition-name="website.components.horizontalrule" data-sqsp-block="line" data-website-component-id="yui_3_17_2_1_1667944207002_3459" id="block-yui_3_17_2_1_1667944207002_3459"><div class="sqs-block-content"> 1102 1103 1104 1105<div> 1106 <hr /> 1107 1108 <style class="transform-overrides-vars"> 1109 1110</style> 1111 1112 1113 1114 1115 1116 1117</div> 1118</div></div><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-yui_3_17_2_1_1667944207002_3790"><div class="sqs-block-content"> 1119 1120<div class="sqs-html-content" data-sqsp-text-block-content> 1121 <h2 style="white-space:pre-wrap;"><a href="https://www.neighborhoodtrustfcu.org/new-home-sales-exploded-in-april-what-it-means-for-buyers-sellers/">New-home sales exploded in April: What it means for buyers, sellers</a></h2><p class="" style="white-space:pre-wrap;">May 25th,</p><p class="" style="white-space:pre-wrap;">By Lisa Kiplinger, USA TODAY</p><p class="" style="white-space:pre-wrap;">The spring home-buying season has definitely sprung. Sales of new homes soared 16.6% in April, blowing away economistsâ expectations for a rise of 1.8%, the Commerce Department announced Tuesday. Itâs a huge turnaround from March when sales dipped for the third straight month. Steve Udelson, president of real estate brokerage Owners.com, breaks down what it all means.</p><p class="" style="white-space:pre-wrap;"><strong>Q: What do you think of todayâs new-home sales data?</strong></p><p class="" style="white-space:pre-wrap;">A: Sales of new homes increased in April to the highest level in eight years and jumped 16.6% to a seasonally adjusted annual rate of 619,000. This signals a healthy real estate market, especially coming on the heels of an increase in existing home sales announced last week. With continued job growth and low mortgage rates, the demand for housing is solid. From a regional perspective, sales in the South and Northeast climbed, and sales improved in the West as well. In addition, the Midwest set a fast pace for existing home sales as reported last week. Taken together, this is all good news for the housing market.</p><p class="" style="white-space:pre-wrap;"><strong>Q: What are your observations about sales so far this year?</strong></p><p class="" style="white-space:pre-wrap;">A: While the early start of the year was a bit slower than usual, the spring real estate market has heated up and is on a steady incline. Itâs a strong market from an inventory perspective as well. Buyer demand is exceptionally high in the mid-priced market but a bit softer than usual in the very low and very high ends of the market. I project that a solid spring real estate season will continue well into the summer.</p><p class="" style="white-space:pre-wrap;"><strong>Q: What are your thoughts on the effects of a possible interest rate increase by the Fed in June?</strong></p><p class="" style="white-space:pre-wrap;">A: There is no doubt interest rates can impact the real estate market and mortgage rates. However, we saw very modest changes during the first interest rate increase last year and anticipate the same this time around. That said, if interest rates go back up to more normal levels, we can expect this will have a bigger impact on mortgage rates and create more pressure from an affordability standpoint. But keep in mind â the Fed has repeatedly s
1121aid that it will approach any rate increases very incrementally. My advice to buyers is to shop smart and look for opportunities to save on closing costs or take advantage of commission rebates being offered by many brokerages.</p><p class="" style="white-space:pre-wrap;"><strong>Q: Any advice for buyers right about now?</strong></p><p class="" style="white-space:pre-wrap;">A: Buyers should do their homework and get smart and informed about the home-buying process as the first step. Itâs no surprise that potential home buyers are using online tools to narrow down their home search and identify their âdreamâ homes, learn about the market in certain neighborhoods and understand key facts like a homeâs price history. And because this helps buyers be more self-reliant, they can save money on commissions theyâd typically have paid to a real estate agent. This can make a big difference when buying a home, which is usually the biggest purchase someone will make in their lifetime.</p><p class="" style="white-space:pre-wrap;"><strong>Q: Any advice for sellers right now?</strong></p><p class="" style="white-space:pre-wrap;">A: Sellers can save money by doing more of the work on their own, too. Sellers can put together their own listings, figure out how to set the price and sometimes even handle the showings. Getting the asking price right is absolutely key. Too high and the listing will go stale, but too low ends up leaving money on the table. Also, keep in mind that the first few weeks a house is listed on the market are the busiest, and often if a house has no offers on it during this time period, the owner may need to re-evaluate the price. Itâs also important to get high-quality, professional pictures of a home posted online with the listing the first time around. Keep the home as clean and staged as it is in those pictures for visits from potential buyers.</p> 1122</div> 1123 1124 1125 1126 1127 1128 1129 1130 1131 1132 1133 1134 1135 1136 1137 1138 1139 1140 1141 1142 1143 1144 1145 1146 1147 1148</div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-horizontalrule horizontalrule-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.visitor.js"]" data-block-type="1337" data-definition-name="website.components.horizontalrule" data-sqsp-block="line" data-website-component-id="yui_3_17_2_1_1667944207002_5815" id="block-yui_3_17_2_1_1667944207002_5815"><div class="sqs-block-content"> 1149 1150 1151 1152<div> 1153 <hr /> 1154 1155 <style class="transform-overrides-vars"> 1156 1157</style> 1158 1159 1160 1161 1162 1163 1164</div> 1165</div></div><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-yui_3_17_2_1_1667944207002_6068"><div class="sqs-block-content"> 1166 1167<div class="sqs-html-content" data-sqsp-text-block-content> 1168 <h2 style="white-space:pre-wrap;">Neighborhood Trust FCU launches a Home Lending Campaign</h2><p class="" style="white-space:pre-wrap;">At Neighborhood Trust FCU we are always looking to offer good financial alternatives to our community members. In a recent analysis, we found out that 33% of our current lending borrowers thought that they could not qualify for a loan before coming to our credit union. The reasons why they thought that were many: some are self-employees; their initial FICO Scores were low; the closing fees requested by other financial institutions were very high, among the most mentioned.</p><p class="" style="white-space:pre-wrap;">Given that the current market rates are very low, we want to help our members to take advantage of it on their purchase of a new home and extend this opportunity to those who need to refinance their current mortgages. We are offering the lowest closing costs in our community and as usual, we offer financial counseling that will help our members to be âloan readyâ.</p><p class="" style="white-space:pre-wrap;">We invite our members to take the stress out of home buying or home refinancing and contact us so we can help them to make a well-informed decision.</p><p class="" style="white-space:pre-wrap;">May 19th, 2016| alternative lending, financial counseling, home lending, mortgages</p> 1169</div> 1170 1171 1172 1173 1174 1175 1176 1177 1178 1179 1180 1181 1182 1183 1184 1185 1186 1187 1188 1189 1190 1191 1192 1193 1194 1195</div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-horizontalrule horizontalrule-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.visitor.js"]" data-block-type="1337" data-definition-name="website.components.horizontalrule" data-sqsp-block="line" data-website-component-id="yui_3_17_2_1_1667944207002_7466" id="block-yui_3_17_2_1_1667944207002_7466"><div class="sqs-block-content"> 1196 1197 1198 1199<div> 1200 <hr /> 1201 1202 <style class="transform-overrides-vars"> 1203 1204</style> 1205 1206 1207 1208 1209 1210 1211</div> 1212</div></div><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-yui_3_17_2_1_1667944207002_7865"><div class="sqs-block-content"> 1213 1214<div class="sqs-html-content" data-sqsp-text-block-content> 1215 <h2 style="white-space:pre-wrap;">Many New Yorkers Lack Bank Accounts and Emergency Savings, Says New Report</h2><p class="" style="white-space:pre-wrap;">September 29, 2015<br><em>Sheila Anne Feeney</em></p><h3 style="white-space:pre-wrap;">Feeling poor? Donât feel like the Lone Ranger!</h3><p class="" style="white-space:pre-wrap;">More than half of New Yorkers lack adequate savings for an emergency, and 1.14 million donât have bank accounts or are âunder banked,â according to a report by the cityâs Department of Consumer Affairs.</p><p class="" style="white-space:pre-wrap;">About 360,000 householdsâ11.7% of all homesâin New York City lack a savings or checking accountâsurpassing the national figure of 7.7% according to the study. Another 780,000 city households, meanwhile are âunder banked:âWhile these families may have a bank account, they still rely on check cashers, money orders, pawnshops, prepaid cards and remittances to do handle their money.</p><p class="" style="white-space:pre-wrap;">People in the Bronxâwhere 43% of children live below the poverty lineâare the most likely to be without an account or under banked.</p><p class="" style="white-space:pre-wrap;">In the borough 21.8% of households have no bank account and 66.6% report inadequate savings for an emergency. While the number of unbanked households in the city decreased slightly between 2011 and 2013, the number of under-banked households increased from 22.4% to 25.1%.</p><p class="" style="white-space:pre-wrap;">The findingsâobtained by the Urban Institute, which was commissioned by consumer affairsâare important, Julie Menin, the departmentâs commissioner, explained in a statement.</p><p class="" style="white-space:pre-wrap;">âHaving and using a bank account helps families save money and guard against unexpected financial emergencie
1215s,â she said.</p><p class="" style="white-space:pre-wrap;">The findings didnât surprise trucking manager Shawn Gray, 40, who lives in the Fordham area of the Bronx. Gray has a bank account, but he canât use it because âitâs in overdraft,â to the tune of $211.</p><p class="" style="white-space:pre-wrap;">Rather than helping provide economic security, his bank account generates fees that do violence to the already thin financial margin in which he lives.: âItâs the fees! They kept charging me $35 (in overdraft fees) for stuff debited from my account that cost only $9 or $10,â he said.</p><p class="" style="white-space:pre-wrap;">He uses money ordersâpaying about $2 for each oneâto pay his rent and other bills. âThe fees shouldnât be so harsh,â Gray complained.</p><p class="" style="white-space:pre-wrap;">âThe poorest people pay the highest fees: Itâs very expensive to be poor,â said Rosa Franco, director of lending at the Neighborhood Trust Federal Credit Union, which serves Washington Heights, West Harlem and Inwood.</p><p class="" style="white-space:pre-wrap;">Many peopleâespecially undocumented workers, the very poor and ex-offendersâfeel they canât open a checking or savings account for several reasons. They donât trust banks, lack the money for a minimum balance or fear the fees generated by not managing a checking or savings account correctly, Franco noted.</p><p class="" style="white-space:pre-wrap;">But people without bank accounts have trouble establishing credit. That means they donât qualify for conventional loans should they have an emergency, âso if they need a loan, they use predatory lenders like loan sharks: The interest can be 500% a year,â dooming them to seemingly eternal debtâand worse.</p><p class="" style="white-space:pre-wrap;">The Neighborhood Trust, which also is a site to apply for ID NYC cards, conducts free financial literacy seminars and gives prospective customers free introductory accounts upon seminar completion. But, she noted, many are unaware of the affordable fee structures and benefits of credit union membership because âas nonprofits, we donât have enough resources to do marketing.â</p><p class="" style="white-space:pre-wrap;">People like Anthony Charles, a 49-year-old porter from New Lots, Brooklyn, would be an ideal credit union customer.</p><p class="" style="white-space:pre-wrap;">âI canât afford a bank account!â lamented Charles, who explained he doesnât have a bank account, a credit card or a debit card because his salaryâabout $1,260 a monthâdisappears the second he gets it into money orders for rent and other expenses. âEverybody wants to use everybody. Thereâs more work, more work, more workâbut no money,â he said.</p><p class="" style="white-space:pre-wrap;">The reportâs findings âwill serve as a driving force behind our future work as we create targeted programs for key neighborhoods and build toward a more equitable city, a cornerstone of Mayor de Blasioâs One NYC,â Menin said.</p> 1216</div> 1217 1218 1219 1220 1221 1222 1223 1224 1225 1226 1227 1228 1229 1230 1231 1232 1233 1234 1235 1236 1237 1238 1239 1240 1241 1242</div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-horizontalrule horizontalrule-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.visitor.js"]" data-block-type="1337" data-definition-name="website.components.horizontalrule" data-sqsp-block="line" data-website-component-id="yui_3_17_2_1_1667944207002_9569" id="block-yui_3_17_2_1_1667944207002_9569"><div class="sqs-block-content"> 1243 1244 1245 1246<div> 1247 <hr /> 1248 1249 <style class="transform-overrides-vars"> 1250 1251</style> 1252 1253 1254 1255 1256 1257 1258</div> 1259</div></div><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-yui_3_17_2_1_1667944207002_10177"><div class="sqs-block-content"> 1260 1261<div class="sqs-html-content" data-sqsp-text-block-content> 1262 <h2 style="white-space:pre-wrap;">The IDNYC is at Neighborhood Trust FCU!</h2><p class="" style="white-space:pre-wrap;">The IDNYC program launched in 2015 providing New York City residents with the opportunity to get a free identification card. In year two of IDNYC, the card will continue to be free and there will be expanded benefits. Elected officials, administration leaders, and community members will come together on January 4 to celebrate this new year and help launch municipal ID cards for NYCHA residents.</p><p class="" style="white-space:pre-wrap;">We are hosting the IDNYC program since its launch in 2015 providing New York City residents with the opportunity to get a free identification card. IDNYC provides access to City services and cultural institutions, numerous discounts, and gives the peace of mind that comes from having recognized identification. Communities, who are some of the most vulnerable and can have challenges in obtaining government IDs, such as homeless people, young people, seniors, immigrants, and LGBTQ people, now have the ability to get an IDNYC at enrollment sites across the five boroughs.</p><p class="" style="white-space:pre-wrap;">Remember, the IDNYC can be used to become a member at Neighborhood Trust FCU. Take a look <a href="http://www1.nyc.gov/site/idnyc/index.page" target="_blank">here </a>to learn more to obtain your IDNYC and let your friends and loved one
1262s about it!</p><p class="" style="white-space:pre-wrap;">January 15th, 2015| City of New York, Unbanked, underbanked</p> 1263</div> 1264 1265 1266 1267 1268 1269 1270 1271 1272 1273 1274 1275 1276 1277 1278 1279 1280 1281 1282 1283 1284 1285 1286 1287 1288 1289</div></div><div class="sqs-block website-component-block sqs-block-website-component sqs-block-horizontalrule horizontalrule-block" data-block-css="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.styles.css"]" data-block-scripts="["https://definitions.sqspcdn.com/website-component-definition/static-assets/website.components.horizontalrule/b7841784-f1dc-42fc-826d-f3240b673dfc_301/website.components.horizontalrule.visitor.js"]" data-block-type="1337" data-definition-name="website.components.horizontalrule" data-sqsp-block="line" data-website-component-id="yui_3_17_2_1_1667944207002_11128" id="block-yui_3_17_2_1_1667944207002_11128"><div class="sqs-block-content"> 1290 1291 1292 1293<div> 1294 <hr /> 1295 1296 <style class="transform-overrides-vars"> 1297 1298</style> 1299 1300 1301 1302 1303 1304 1305</div> 1306</div></div><div class="sqs-block html-block sqs-block-html" data-block-type="2" data-border-radii="{"topLeft":{"unit":"px","value":0.0},"topRight":{"unit":"px","value":0.0},"bottomLeft":{"unit":"px","value":0.0},"bottomRight":{"unit":"px","value":0.0}}" data-sqsp-block="text" id="block-yui_3_17_2_1_1667944207002_11461"><div class="sqs-block-content"> 1307 1308<div class="sqs-html-content" data-sqsp-text-block-content> 1309 <h2 style="white-space:pre-wrap;">Small Business Loan Success Story: Blue Peach Mediaâs Collaboration With Neighborhood Trust Federal Credit Union</h2><p class="" style="white-space:pre-wrap;">TONY ARMSTRONG <br>September 19, 2014 </p><p class="" style="white-space:pre-wrap;">You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Hereâs how we make money.</p><p class="" style="white-space:pre-wrap;">When repercussions from the events of Sept. 11, 2001, eventually spelled the end of the production company for which Gavin Grace worked, he wanted to continue to put his carefully honed skills to good use. After nearly a decade of shooting and editing video footage as well as creating graphics and animations, Grace had his sights set on starting his own production company.</p><p class="" style="white-space:pre-wrap;">There was only one problem: Grace lacked the capital necessary for a full-scale launch of his business. Without this funding, Grace knew itâd be impossible to fulfill his dream of running his own business.</p><h3 style="white-space:pre-wrap;">Looking for a backer</h3><p class="" style="white-space:pre-wrap;">Because Grace didnât have access to credit through his bank, he had to do some digging to find the money that his fledgling company, <a href="http://bluepeachmedia.com/" target="_blank">Blue Peach Media</a>, so desperately needed.</p><p class="" style="white-space:pre-wrap;">Although his business was still in its infancy, Grace had already managed to land several clients for whom he was regularly producing work. His services were becoming increasingly sought after, making it that much more important to secure funding as quickly as possible.</p><p class="" style="white-space:pre-wrap;">Despite Blue Peach Mediaâs sunny outlook, many banks and credit unions continued to reject Graceâs loan requests. Eventually, he turned to a smaller financial institution, New Yorkâs Neighborhood Trust Federal Credit Union, for funding, hoping that they might listen to his story.</p><p class="" style="white-space:pre-wrap;">Much to Graceâs delight, the credit union was more than willing to hear him out.</p><p class="" style="white-space:pre-wrap;">âWe serve those people who are not given loans by traditional banks,â says Rosa Franco, director of lending at Neighborhood Trust.</p><p class="" style="white-space:pre-wrap;">âIf a borrower doesnât have access to a traditional bank, we welcome them,â she adds. âWe review all types of loans. We donât approve all, but we look at each one.â</p><h3 style="white-space:pre-wrap;">How Neighborhood Trust helped</h3><p class="" style="white-space:pre-wrap;">Once Grace got Neighborhood Trustâs attention, it didnât take long to get the ball rolling.</p><p class="" style="white-space:pre-wrap;">Neighborhood Trust ârecognized the potential of my company and arranged a line of credit, which allowed me to meet overhead as I pursued new business,â says Grace.</p><p class="" style="white-space:pre-wrap;">âNeighborhood Trust enabled me to meet the upfront expenses of producing work,â he adds. âIâd been awarded a couple of video projects by the Army, and I needed to meet travel expenses, crew expenses, and overhead in order to produce the work.â</p><p class="" style="white-space:pre-wrap;">Upon meeting Grace, Franco was optimistic about Blue Peach Mediaâs potential and was especially impressed by Graceâs ability to secure partnerships with a varied cast of clients.<br>âI knew that he had a lot of potentials,â says Franco. Her only concern was that Grace didnât have enough experience dealing with the intricacies of a companyâs finances.</p><p class="" style="white-space:pre-wrap;">Graceâs collaboration with Neighborhood Trust and its team of financial advisors quickly put those concerns to rest. The credit union set Grace up with the team to complete a business plan, and eventually issued two lines of credit worth a total of $50,000. Neighborhood Trust also helped Grace become a certified contractor for the state of New York, thus helping him expand his growing customer base.</p><p class="" style="white-space:pre-wrap;">Franco cites Neighborhood Trustâs commitment to actively engaging with business owners to establish strong business models as a major reason for the rewarding partnership between Grace and the credit union.</p><p class="" style="white-space:pre-wrap;">âWe donât only provide the funding; we want to be partners with these entrepreneurs,â Franco adds.</p><h3 style="white-space:pre-wrap;">Tips for small business owners</h3><p class="" style="white-space:pre-wrap;">Despite Blue Peach Mediaâs recent success, Grace is quick to admit that he learned a lot in the process.</p><p class="" style="white-space:pre-wrap;">âThere is a lot of juggling of hats for a small business owner,â Grace says. âMy goal is to focus more of my time on marketing and sales whenever possible. If I had any tips, that would be one. Another is to have a good bookkeeper and accountant.â</p><p class="" style="white-space:pre-wrap;">Franco echoes Graceâs advice, recommending that business owners invest in resources to help them further develop their companies. Working with a financial advisor, for instance, can go a long way toward making sure that your company is financially secure, Franco says.<
1309/p><h3 style="white-space:pre-wrap;">Looking ahead</h3><p class="" style="white-space:pre-wrap;">Just last year, Neighborhood Trust issued another line of credit to Blue Peach Media, which its owner says will help him and his colleagues stay busy through the rest of the year.</p><p class="" style="white-space:pre-wrap;">Thanks to the successful collaboration between Neighborhood Trust and Blue Peach Media, Grace and the company are currently working on their third U.S. Army video and hope to sign more private clients in the coming months.</p><p class="" style="white-space:pre-wrap;">September 20th, 2014| Small Business loans, Small Business Technical Assistance</p> 1310</div> 1311 1312 1313 1314 1315 1316 1317 1318 1319 1320 1321 1322 1323 1324 1325 1326 1327 1328 1329 1330 1331 1332 1333 1334 1335 1336</div></div></div></div></div> 1337 </section> 1338 1339 </main> 1340 1341 </div> 1342 </div> 1343 1344 <footer class="Footer" role="contentinfo" data-controller="FooterBreakpoints"> 1345 <div class="insideFooter"> 1346 1347 <div class="footerRow rowOne"> 1348 <div class="footerCol smallCol colOne"> 1349 <ul class="quicklinks linksLeft"> 1350 <li> 1351 <i class="fas fa-map-marker-alt"></i> 1352 <div class="custom-footer-phone"><a class="address external" href="https://www.google.com/maps/place/1112+St+Nicholas+Ave,+New+York,+NY+10032/@40.8392901,-73.9417705,17z/data=!3m1!4b1!4m5!3m4!1s0x89c2f69cfb7a15b5:0x322af93957e2a48f!8m2!3d40.8392861!4d-73.9395818" target="_blank">1112 St. Nicholas Avenue<br>New York, NY 10032</a></div> 1353 </li> 1354 <li> 1355 <i class="fas fa-phone-square"></i> 1356 <div class="custom-footer-phone"><a class="phone local" href="tel:2127400900" target="_blank">Call: (212) 740-0900</a></div> 1357 </li> 1358 <li> 1359 <i class="fas fa-envelope"></i> 1360 <div class="custom-footer-email"><a class="email local" href="mailto:[email protected]" target="_blank">Email: [email protected]</a> 1361 </div> 1362 </li> 1363 </ul> 1364 </div> 1365 <center> 1366 <div class="footerCol smallCol colTwo"> 1367 <center> 1368 1369 1370 <a href="/home"><img src="//images.squarespace-cdn.com/content/v1/634491d88d90aa189dd0b4bd/e3462863-e8ed-4376-861c-b5ba657fbeb4/NT_Lockup_FCU_web-retina.png?format=1500w" alt="Neighborhood Trust FCU" class="Header-branding-logo" /></a> 1371 1372 1373 </center> 1374 </div> 1375 </center> 1376 <div class="footerCol smallCol colThree"> 1377 <ul class="quicklinks linksRight"> 1378 <li><i class="fas fa-phone"></i><div><a href="/contact-us">Contact Us</a></div></li> 1379 <li><i class="fas fa-graduation-cap"></i> <div><a href="/financial-education">Education</a></div></li> 1380 <li><i class="fas fa-exchange-alt"></i><div><a href="/policies">Policies</a></div></li> 1381 <li><i class="fas fa-random"></i> <div><a href="/contact-us">Routing #026083713</a></div></li> 1382 </ul> 1383 </div> 1384 </div> 1385 <div class="footerRow rowTwo"> 1386 <div class="footerCol medCol colOne"> 1387 1388 <p class="footerP" style="white-space:pre-wrap;">*APR = Annual Percentage Rate. 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