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https://neighborhoodtrustfcu.org/news-and-articles

html neighborhoodtrustfcu.org collected 2026-09-24 12:34:35 UTC 128,768 bytes, 1,543 lines download raw bytes

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302  <body id="collection-636a81105044c1734cbf92e3" class="tweak-social-icons-style-solid tweak-social-icons-shape-square tweak-site-width-option-full-background tweak-icon-weight-light tweak-site-border-show  tweak-site-ajax-loading-bar-show ancillary-header-top-left-layout-horizontal ancillary-header-top-center-layout-horizontal ancillary-header-top-right-layout-horizontal ancillary-header-bottom-left-layout-horizontal ancillary-header-bottom-center-layout-horizontal ancillary-header-bottom-right-layout-horizontal ancillary-header-branding-position-bottom-left ancillary-header-tagline-position-hide ancillary-header-primary-nav-position-bottom-right ancillary-header-secondary-nav-position-top-right ancillary-header-social-position-hide ancillary-header-search-position-hide ancillary-header-cart-position-bottom-right tweak-header-primary-nav-hover-style-spotlight tweak-header-primary-nav-button-style-solid tweak-header-primary-nav-button-shape-square tweak-header-secondary-nav-inherit-styles tweak-header-secondary-nav-hover-style-spotlight tweak-header-secondary-nav-button-style-solid tweak-header-secondary-nav-button-shape-square tweak-header-search-style-underlined tweak-header-search-placeholder-show tweak-header-cart-style-text tweak-overlay-parallax-enabled tweak-index-nav-style-none tweak-index-nav-position-right tweak-index-nav-text-show tweak-index-page-fullscreen-pages-with-backgrounds-only tweak-index-page-scroll-indicator-none tweak-index-page-scroll-indicator-icon-arrow tweak-index-page-scroll-indicator-icon-weight-hairline tweak-index-gallery-layout-packed tweak-index-gallery-spacing-sides-show tweak-index-gallery-spacing-top-bottom-show tweak-index-gallery-fixed-height tweak-index-gallery-apply-bottom-spacing tweak-index-gallery-hover-style-plain tweak-index-gallery-controls-small-arrows tweak-index-gallery-controls-icon-weight-hairline tweak-index-gallery-indicators-lines tweak-index-gallery-autoplay-enable tweak-index-gallery-transition-fade tweak-index-gallery-content-position-bottom-left tweak-index-gallery-content-text-alignment-left tweak-footer-show tweak-footer-layout-stacked tweak-footer-layout-columns-auto tweak-footer-stacked-alignment-center ancillary-mobile-bar-branding-position-top-left ancillary-mobile-bar-menu-icon-position-top-right tweak-mobile-bar-menu-icon-hamburger ancillary-mobile-bar-search-icon-position-hide ancillary-mobile-bar-cart-position-top-right tweak-mobile-bar-cart-style-cart-alternate tweak-mobile-overlay-slide-origin-left tweak-mobile-overlay-close-show tweak-mobile-overlay-menu-primary-button-style-solid tweak-mobile-overlay-menu-primary-button-shape-square tweak-mobile-overlay-menu-secondary-inherit tweak-mobile-overlay-menu-secondary-button-style-solid tweak-mobile-overlay-menu-secondary-button-shape-square tweak-quote-block-alignment-left tweak-blog-meta-primary-author tweak-blog-meta-secondary-date tweak-blog-list-style-grid tweak-blog-list-separator-show tweak-blog-list-alignment-center tweak-blog-list-item-image-show tweak-blog-list-item-image-aspect-ratio-grid-43-four-three tweak-blog-list-item-image-aspect-ratio-stacked-11-square tweak-blog-list-item-title-show tweak-blog-list-item-excerpt-show tweak-blog-list-item-body-show tweak-blog-list-item-readmore-inline tweak-blog-list-item-meta-position-above-title tweak-blog-list-pagination-link-label-show tweak-blog-list-pagination-link-icon-s
302how tweak-blog-list-pagination-link-icon-weight-light tweak-blog-item-alignment-center tweak-blog-item-meta-position-above-title tweak-blog-item-share-position-below-content tweak-blog-item-pagination-link-label-show tweak-blog-item-pagination-link-title-show tweak-blog-item-pagination-link-meta-category tweak-blog-item-pagination-link-icon-weight-light event-thumbnails event-thumbnail-size-32-standard event-date-label event-list-show-cats event-list-date event-list-time event-list-address event-excerpts event-item-back-link gallery-design-slideshow aspect-ratio-auto lightbox-style-dark gallery-navigation-bullets gallery-info-overlay-show-on-hover gallery-aspect-ratio-32-standard gallery-arrow-style-no-background gallery-transitions-fade gallery-show-arrows gallery-auto-crop tweak-product-list-image-aspect-ratio-23-standard-vertical tweak-product-list-item-hover-behavior-show-alternate-image tweak-product-list-meta-position-under tweak-product-list-mobile-meta-position-under tweak-product-list-meta-alignment-under-left tweak-product-list-meta-alignment-overlay-bottom-center tweak-product-list-show-title tweak-product-list-show-price tweak-product-list-filter-display-left-side tweak-product-list-filter-alignment-left tweak-product-item-nav-show-breadcrumb-and-pagination tweak-product-item-nav-pagination-style-previousnext tweak-product-item-nav-breadcrumb-alignment-left tweak-product-item-nav-pagination-alignment-split tweak-product-item-gallery-position-left tweak-product-item-gallery-design-stacked tweak-product-item-gallery-aspect-ratio-23-standard-vertical tweak-product-item-gallery-thumbnail-alignment-left tweak-product-item-details-alignment-left tweak-product-item-details-show-title tweak-product-item-details-show-price tweak-product-item-details-show-excerpt tweak-product-item-details-excerpt-position-below-price tweak-product-item-details-show-share-buttons tweak-product-item-details-show-variants tweak-product-item-details-show-quantity tweak-product-item-details-options-style-square tweak-product-item-details-show-add-to-cart-button tweak-product-item-details-add-to-cart-button-style-outline tweak-product-item-details-add-to-cart-button-shape-square tweak-product-item-details-add-to-cart-button-padding-medium tweak-product-item-image-zoom-enabled tweak-product-item-image-zoom-behavior-click tweak-product-item-lightbox-enabled tweak-related-products-image-aspect-ratio-11-square tweak-related-products-meta-alignment-under-center tweak-product-badge-style-rectangle tweak-product-badge-position-top-right tweak-product-badge-inset-floating newsletter-style-custom hide-opentable-icons opentable-style-dark small-button-style-outline small-button-shape-square medium-button-style-solid medium-button-shape-square large-button-style-outline large-button-shape-square image-block-poster-text-alignment-left image-block-card-dynamic-font-sizing image-block-card-content-position-center image-block-card-text-alignment-left image-block-overlap-dynamic-font-sizing image-block-overlap-content-position-center image-block-overlap-text-alignment-left image-block-collage-dynamic-font-sizing image-block-collage-content-position-top image-block-collage-text-alignment-left image-block-stack-dynamic-font-sizing image-block-stack-text-alignment-left button-style-solid button-corner-style-square tweak-product-quick-view-button-style-docked tweak-product-quick-view-button-position-top tweak-product-quick-view-lightbox-excerpt-display-truncate tweak-product-quick-view-lightbox-show-arrows tweak-product-quick-view-lightbox-show-close-button tweak-product-quick-view-lightbox-controls-weight-light tweak-share-buttons-style-icon-only tweak-share-buttons-icons-show tweak-share-buttons-standard-background-color native-currency-code-usd collection-636a81105044c1734cbf92e3 collection-type-page collection-layout-default mobile-style-available sqs-has-custom-cart has-logo-image has-parallax-images enable-load-effects has-primary-nav has-secondary-nav has-footer-nav" data-controller="HashManager, SiteLoader, MobileClassname">
303    <div id="omnipop1" class="popoverlay modalHide"  tabindex="0">
304    <div class="omnipop">
305        <!-- <img src="../assets/logo.png" alt="Teamsters Local 697 Credit Union" /> -->
306        
307            
308                <div class="modalLogo">
309                    <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-modal" />
310                </div>
311            
312            <div class="closepop" aria-label="Close Popup">&times;</div>
313            <div class="popcontent">
314                    <p>We provide links to third party websites, independent from Neighborhood Trust FCU. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of Neighborhood Trust FCU. Click CONTINUE to proceed or click the &quot;X&quot; to stay on this site.</p><br>
315                <p align="center"><a class="popbutton allButtons lift" href="" target="_blank" id="externalButton" aria-label="Visit External Website">CONTINUE</a></p>
316            </div>
317        
318    </div>
319</div>
320
321
322
323
324
325
326
327
328
329
330
331    <div class="Loader"></div>
332    <div class="Mobile" data-nc-base="mobile-bar" data-controller="AncillaryLayout">
333
334  <!--center class="mobile-google-translate-wrapper">
335    <div id="google_translate_element"></div>
336    
336<script type="text/javascript">
337      function googleTranslateElementInit() {
338        new google.translate.TranslateElement({pageLanguage: 'en', layout: google.translate.TranslateElement.InlineLayout.SIMPLE}, 'google_translate_element');
339      }
340    </script>
340
341    
341<script src="//translate.google.com/translate_a/element.js?cb=googleTranslateElementInit" type="text/javascript"></script>
341
342  </center-->
343
344  <div class="Mobile-bar Mobile-bar--top" data-nc-group="top" data-controller="MobileOffset">
345
346    <div data-nc-container="top-left">
347      <a href="/" class="Mobile-bar-branding" data-nc-element="branding" data-content-field="site-title">
348        
349          
350            <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 homepage" class="Mobile-bar-branding-logo" />
351          
352        
353      </a>
354    </div>
355    <div data-nc-container="top-center"></div>
356    <div data-nc-container="top-right"></div>
357  </div>
358  <div class="Mobile-bar Mobile-bar--bottom" data-nc-group="bottom" data-controller="MobileOffset">
359    <div data-nc-container="bottom-left">
360      <button class="Mobile-bar-menu" aria-label="Mobile Menu" data-nc-element="menu-icon" data-controller-overlay="menu" data-controller="MobileOverlayToggle">
361        <svg class="Icon Icon--hamburger" viewBox="0 0 24 18">
362          <use xlink:href="/assets/ui-icons.svg#hamburger-icon--even" class="use--even"></use>
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368        </svg>
369        <svg class="Icon Icon--plus" viewBox="0 0 20 20">
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377        <svg class="Icon Icon--dots-vertical" viewBox="0 0 7 25">
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380        </svg>
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388        </svg>
389      </button>
390    </div>
391    <div data-nc-container="bottom-center">
392      
393    </div>
394    <div data-nc-container="bottom-right">
395      <a href="/search" class="Mobile-bar-search" data-nc-element="search-icon">
396        <svg class="Icon Icon--search" viewBox="0 0 20 20">
397          <use xlink:href="/assets/ui-icons.svg#search-icon"></use>
398        </svg>
399      </a>
400    </div>
401  </div>
402
403  <div class="Mobile-overlay">
404    <div class="Mobile-overlay-menu" data-controller="MobileOverlayFolders">
405      <div class="Mobile-overlay-menu-main">
406        <nav class="Mobile-overlay-nav Mobile-overlay-nav--primary" data-content-field="navigation">
407          
408  
409    
410      
411        
412          <button class="Mobile-overlay-nav-item Mobile-overlay-nav-item--folder" data-controller-folder-toggle="personal">
413            <span class="Mobile-overlay-nav-item--folder-label">Personal Banking</span>
414          </button>
415        
416      
417    
418    
419  
420    
421      
422        
423          <button class="Mobile-overlay-nav-item Mobile-overlay-nav-item--folder" data-controller-folder-toggle="business">
424            <span class="Mobile-overlay-nav-item--folder-label">Business</span>
425          </button>
426        
427      
428    
429    
430  
431    
432      
433        
434          <button class="Mobile-overlay-nav-item Mobile-overlay-nav-item--folder" data-controller-folder-toggle="new-dropdown-1">
435            <span class="Mobile-overlay-nav-item--folder-label">Loans</span>
436          </button>
437        
438      
439    
440    
441  
442    
443      
444        
445          <a href="/mobileapp" class="Mobile-overlay-nav-item">
446            Mobile Banking
447          </a>
448        
449      
450    
451    
452  
453    
454      
455        
456          <button class="Mobile-overlay-nav-item Mobile-overlay-nav-item--folder" data-controller-folder-toggle="education">
457            <span class="Mobile-overlay-nav-item--folder-label">Financial Education</span>
458          </button>
459        
460      
461    
462    
463  
464    
465      
466        
467          <button class="Mobile-overlay-nav-item Mobile-overlay-nav-item--folder" data-controller-folder-toggle="about-us-main">
468            <span class="Mobile-overlay-nav-item--folder-label">About us</span>
469          </button>
470        
471      
472    
473    
474  
475    
476      
477        
478          <a href="/contact-us" class="Mobile-overlay-nav-item">
479            Contact Us
480          </a>
481        
482      
483    
484    
485  
486
487        </nav>
488        <nav class="Mobile-overlay-nav Mobile-overlay-nav--secondary" data-content-field="navigation">
489          
490  
491    
492    
493      <a href="/contact-us" class="Mobile-overlay-nav-item">
494        Branch
495      </a>
496    
497  
498    
499    
500      <a href="https://www.allpointnetwork.com/locator.html" target="_blank" class="Mobile-overlay-nav-item">
501        ATMs
502      </a>
503    
504  
505    
506    
507      <a href="/contact-us" class="Mobile-overlay-nav-item">
508        Contact Us
509      </a>
510    
511  
512    
513    
514      <a href="https://www.facebook.com/neighborhoodtrustfcu" target="_blank" class="Mobile-overlay-nav-item">
515        <i class="fab fa-facebook-f"></i>
516      </a>
517    
518  
519    
520    
521      <a href="https://www.youtube.com/channel/UCdda7uMKn1UC76CRaD9TbMA" target="_blank" class="Mobile-overlay-nav-item">
522        <i class="fab fa-youtube"></i>
523      </a>
524    
525  
526    
527    
528      <a href="https://www.instagram.com/neighborhoodtrustfcu/" target="_blank" class="Mobile-overlay-nav-item">
529        <i class="fab fa-instagram"></i>
530      </a>
531    
532  
533    
534    
535      <a href="/search?=" class="Mobile-overlay-nav-item">
536        <i class="fas fa-search"></i>
537      </a>
538    
539  
540
541          <!--squarespace:block-field id="blockField1" columns="12"/-->
542          
543  <nav class="SocialLinks" data-content-field="connected-accounts">
544    <div class="SocialLinks-inner">
545    
546    </div>
547  </nav>
548
549        </nav>
550      </div>
551      <div class="Mobile-overlay-folders" data-content-field="navigation">
552        
553  
554    <div class="Mobile-overlay-folder" data-controller-folder="personal">
555      <button class="Mobile-overlay-folder-item Mobile-overlay-folder-item--toggle" data-controller-folder-toggle="personal">
556        <span class="Mobile-overlay-folder-item--toggle-label">Back</span>
557      </button>
558      
559        
560          
561            <a href="https://mobicint.net/ntf/workflow" class="Mobile-overlay-folder-item">
562              Join Us
563            </a>
564          
565        
566      
567        
568          <a href="/savings-checking" class="Mobile-overlay-folder-item">
569            Savings & Checking
570          </a>
571        
572      
573        
574          <a href="/certificates" class="Mobile-overlay-folder-item">
575            Certificates
576          </a>
577        
578      
579        
580          <a href="/zelle" class="Mobile-overlay-folder-item">
581            Zelle
582          </a>
583        
584      
585        
586          <a href="/itin" class="Mobile-overlay-folder-item">
587            ITIN Program
588          </a>
589        
590      
591    </div>
592  
593
594  
595    <div class="Mobile-overlay-folder" data-controller-folder="business">
596      <button class="Mobile-overlay-folder-item Mobile-overlay-folder-item--toggle" data-controller-folder-toggle="business">
597        <span class="Mobile-overlay-folder-item--toggle-label">Back</span>
598      </button>
599      
600        
601          <a href="/business-savings-checking" class="Mobile-overlay-folder-item">
602            Savings & Checking
603          </a>
604        
605      
606        
607          <a href="/loanslines-of-credit" class="Mobile-overlay-folder-item">
608            Loans/Lines of Credit
609          </a>
610        
611      
612    </div>
613  
614
615  
616    <div class="Mobile-overlay-folder" data-controller-folder="new-dropdown-1">
617      <button class="Mobile-overlay-folder-item Mobile-overlay-folder-item--toggle" data-controller-folder-toggle="new-dropdown-1">
618        <span class="Mobile-overlay-folder-item--toggle-label">Back</span>
619      </button>
620      
621        
622          <a href="/personal-loans" class="Mobile-overlay-folder-item">
623            Personal Loans
624          </a>
625        
626      
627        
628          <a href="/credit-cards" class="Mobile-overlay-folder-item">
629            Credit Cards
630          </a>
631        
632      
633        
634          <a href="/auto-loans" class="Mobile-overlay-folder-item">
635            Auto Loans
636          </a>
637        
638      
639        
640          <a href="/home-loans" class="Mobile-overlay-folder-item">
641            Home Loans
642          </a>
643        
644      
645    </div>
646  
647
648  
649
650  
651    <div class="Mobile-overlay-folder" data-controller-folder="education">
652      <button class="Mobile-overlay-folder-item Mobile-overlay-folder-item--toggle" data-controller-folder-toggle="education">
653        <span class="Mobile-overlay-folder-item--toggle-label">Back</span>
654      </button>
655      
656        
657          <a href="/financial-education" class="Mobile-overlay-folder-item">
658            Financial Education Program
659          </a>
660        
661      
662        
663          <a href="/events" class="Mobile-overlay-folder-item">
664            Upcoming Events
665          </a>
666        
667      
668    </div>
669  
670
671  
672    <div class="Mobile-overlay-folder" data-controller-folder="about-us-main">
673      <button class="Mobile-overlay-folder-item Mobile-overlay-folder-item--toggle" data-controller-folder-toggle="about-us-main">
674        <span class="Mobile-overlay-folder-item--toggle-label">Back</span>
675      </button>
676      
677        
678          <a href="/about-us" class="Mobile-overlay-folder-item">
679            About Us
680          </a>
681        
682      
683        
684          <a href="/news-and-articles" class="Mobile-overlay-folder-item">
685            News and Articles
686          </a>
687        
688      
689        
690          <a href="/newsletters" class="Mobile-overlay-folder-item">
691            Newsletters
692          </a>
693        
694      
695        
696          <a href="/policies" class="Mobile-overlay-folder-item">
697            Policies
698          </a>
699        
700      
701        
702          <a href="/upgrade" class="Mobile-overlay-folder-item">
703            upgrade
704          </a>
705        
706      
707    </div>
708  
709
710  
711
712        
713  
714
715  
716
717  
718
719  
720
721  
722
723  
724
725  
726
727      </div>
728    </div>
729    <button class="Mobile-overlay-close" aria-label="Close Mobile Menu" data-controller="MobileOverlayToggle">
730      <svg class="Icon Icon--close" viewBox="0 0 16 16">
731        <use xlink:href="/assets/ui-icons.svg#close-icon"></use>
732      </svg>
733    </button>
734    <div class="Mobile-overlay-back" data-controller="MobileOverlayToggle"></div>
735  </div>
736</div>
737
738    <div class="Parallax-host-outer">
739      <div class="Parallax-host" data-parallax-host>
740        
741          
742            
743              
744              
745                
746                  <div class="Parallax-item" data-parallax-item data-parallax-id="636a81105044c1734cbf92e3"></div>
747                
748              
749            
750          
751        
752      </div>
753    </div>
754
755    <div class="Site" data-nc-base="header" data-controller="AncillaryLayout">
756      <div class="sqs-announcement-bar-dropzone"></div>
757
758      <header class="Header Header--top">
759        <div class="Header-inner Header-inner--top" data-nc-group="top">
760          <div data-nc-container="top-left">
761
762          <!-- Spanish Toggle Switch
763              <div class = "headerTop ">               
764                <div class="languageSelect switch">
765                  <label>
766                    English
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768                    <span class="lever"></span>
769                    Español
770                  </label>
771                </div>
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773
774            <div class="Header-search" data-nc-element="search">
775              <form class="Header-search-form" action="/search" method="get">
776                <input class="Header-search-form-input" aria-label="Search Block" name="q" type="text" spellcheck="false" value="" autocomplete="off" placeholder="Search" />
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778                  <svg class="Icon Icon--search--small" viewBox="0 0 15 15">
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780                  </svg>
781                  <svg class="Icon Icon--search" viewBox="0 0 20 20">
782                    <use xlink:href="/assets/ui-icons.svg#search-icon"></use>
783                  </svg>
784                </button>
785              </form>
786            </div>
787
788          </div>
789          <div data-nc-container="top-center">
790            
791          </div>
792
793          <div data-nc-container="top-right">
794            
795            
796
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
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1027  <h1 style="white-space:pre-wrap;">News and Articles&nbsp;</h1>
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1074  <h2 style="white-space:pre-wrap;">NTFCU partners with Citibank on CITI’s 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>
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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 economists’ expectations for a rise of 1.8%, the Commerce Department announced Tuesday. It’s 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 today’s new-home sales data?</strong></p><p class="" style="white-space:pre-wrap;">A:&nbsp;Sales of new homes increased in April to the highest level in eight years and jumped 16.6%&nbsp;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.&nbsp; It’s 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.&nbsp; 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 — 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. It’s no surprise that potential home buyers are using online tools to narrow down their home search and identify their “dream” homes, learn about the market in certain neighborhoods and understand key facts like a home’s price history. And because this helps buyers be more self-reliant, they can save money on commissions they’d 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&nbsp;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. It’s 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>
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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; &nbsp;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. &nbsp;We are offering the lowest closing costs in our community and as usual, we offer financial counseling that will help our members to be “loan ready”.</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>
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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? Don’t 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 don’t have bank accounts or are “under banked,” according to a report by the city’s Department of Consumer Affairs.</p><p class="" style="white-space:pre-wrap;">About 360,000 households–11.7% of all homes–in New York City lack a savings or checking account–surpassing the national figure of 7.7% according to the study. Another 780,000 city households, meanwhile are “under banked:”While 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 Bronx–where 43% of children live below the poverty line–are 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 findings–obtained by the Urban Institute, which was commissioned by consumer affairs–are important, Julie Menin, the department’s commissioner, explained in a statement.</p><p class="" style="white-space:pre-wrap;">“Having and using a bank account helps families save money and guard against unexpected financial emergencie
1215s,” she said.</p><p class="" style="white-space:pre-wrap;">The findings didn’t surprise trucking manager Shawn Gray, 40, who lives in the Fordham area of the Bronx. Gray has a bank account, but he can’t use it because “it’s in overdraft,” 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.: “It’s the fees! They kept charging me $35 (in overdraft fees) for stuff debited from my account that cost only $9 or $10,” he said.</p><p class="" style="white-space:pre-wrap;">He uses money orders–paying about $2 for each one–to pay his rent and other bills. “The fees shouldn’t be so harsh,” Gray complained.</p><p class="" style="white-space:pre-wrap;">“The poorest people pay the highest fees: It’s very expensive to be poor,” 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 people–especially undocumented workers, the very poor and ex-offenders–feel they can’t open a checking or savings account for several reasons. They don’t 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 don’t qualify for conventional loans should they have an emergency, “so if they need a loan, they use predatory lenders like loan sharks: The interest can be 500% a year,” dooming them to seemingly eternal debt–and 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 “as nonprofits, we don’t have enough resources to do marketing.”</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;">“I can’t afford a bank account!” lamented Charles, who explained he doesn’t have a bank account, a credit card or a debit card because his salary–about $1,260 a month–disappears the second he gets it into money orders for rent and other expenses. “Everybody wants to use everybody. There’s more work, more work, more work–but no money,” he said.</p><p class="" style="white-space:pre-wrap;">The report’s findings “will 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 Blasio’s One NYC,” Menin said.</p>
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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. &nbsp;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>
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1309  <h2 style="white-space:pre-wrap;">Small Business Loan Success Story: Blue Peach Media’s Collaboration With Neighborhood Trust Federal Credit Union</h2><p class="" style="white-space:pre-wrap;">TONY ARMSTRONG&nbsp;<br>September 19, 2014&nbsp;</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. Here’s 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.&nbsp; 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 it’d 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 didn’t 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 Media’s sunny outlook, many banks and credit unions continued to reject Grace’s loan requests. Eventually, he turned to a smaller financial institution, New York’s 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 Grace’s delight, the credit union was more than willing to hear him out.</p><p class="" style="white-space:pre-wrap;">“We serve those people who are not given loans by traditional banks,” says Rosa Franco, director of lending at Neighborhood Trust.</p><p class="" style="white-space:pre-wrap;">“If a borrower doesn’t have access to a traditional bank, we welcome them,” she adds. “We review all types of loans. We don’t approve all, but we look at each one.”</p><h3 style="white-space:pre-wrap;">How Neighborhood Trust helped</h3><p class="" style="white-space:pre-wrap;">Once Grace got Neighborhood Trust’s attention, it didn’t take long to get the ball rolling.</p><p class="" style="white-space:pre-wrap;">Neighborhood Trust “recognized the potential of my company and&nbsp;arranged a line of credit, which allowed me to meet overhead as I pursued new business,” says Grace.</p><p class="" style="white-space:pre-wrap;">“Neighborhood Trust enabled me to meet the upfront expenses of producing work,” he adds. “I’d 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.”</p><p class="" style="white-space:pre-wrap;">Upon meeting Grace, Franco was optimistic about Blue Peach Media’s potential and was especially impressed by Grace’s ability to secure partnerships with a varied cast of clients.<br>“I knew that he had a lot of potentials,” says Franco. Her only concern was that Grace didn’t have enough experience dealing with the intricacies of a company’s finances.</p><p class="" style="white-space:pre-wrap;">Grace’s 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 Trust’s 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;">“We don’t only provide the funding; we want to be partners with these entrepreneurs,” 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 Media’s recent success, Grace is quick to admit that he learned a lot in the process.</p><p class="" style="white-space:pre-wrap;">“There is a lot of juggling of hats for a small business owner,” Grace says. “My 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.”</p><p class="" style="white-space:pre-wrap;">Franco echoes Grace’s 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>
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1506        return html.replace(/(0 a)/g, '<span class="noWrap">0 a</span>');
1507      });
1508      $("p:contains('0 p')").html(function(_, html) {
1509        return html.replace(/(0 p)/g, '<span class="noWrap">0 p</span>');
1510      });
1511
1512      $('a[href^="tel:"]').css('white-space', 'nowrap');
1513
1514    });
1515    
1516    jQuery ( document ).ready ( function($) {
1517      var hash= window.location.hash
1518      if ( hash == '' || hash == '#' || hash == undefined ) return false;
1519      var target = $("body");
1520      headerHeight = 120;
1521      target = target.length ? target : $('[name=' + hash.slice(1) +']');
1522      if (target.length) {
1523        $('html,body').stop().animate({
1524          scrollTop: target.offset().top - 0 //offsets for fixed header
1525        }, 'linear');
1526      }
1527    });
1528
1529      $('.sqs-block-button-element, .sqs-system-button').addClass('lift allButtons');
1530  </script>
1530
1531
1532  </body>
1533</html>
1534
1535<!-- SQUARESPACE_JSONT_ERROR
1536
1537default
1538
1539(line/character offsets reference the template source code)
1540
1541  1: RuntimeError APPLY_PARTIAL_MISSING at line 211 character 7: Attempt to apply partial 'chat.block' which could not be found.
1542
1543-->

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.