member-owned, not for profit financial institution. The credit union is dedicated to meeting the financial services and credit needs of local residents, businesses and community organizationsthe Lower East Side or in Central Harlem, low income residents of the 5 boroughs through the

-rate, adjustable-rate, interest-only, low down payment loans, less than perfect credit, first-time homebuyers, FHA purchase, home equity line of credit, home equity loans, commercial and SBA loans, and No Income No Assets (NINA