Business Details
29 Years
experience
Emergency
services
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) 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 prioritize financial inclusion for all individuals, regardless of immigration status. Our Juntos Avanzamos accreditation reflects our commitment to empowering the Latino community through accessible banking solutions. With over 25 years of experience, we offer personalized financial counseling, small business technical assistance, and a range of products including personal and business loans, credit cards, and savings accounts.Our team of certified professionals delivers tailored support to help members build credit, manage debt, and achieve long-term financial stability. As a non-profit cooperative, we reinvest earnings to provide competitive rates and lower fees while maintaining federal insurance coverage up to $250,000. Our bilingual services and community-centric approach make us a trusted partner for financial growth in New York's diverse neighborhoods.
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 offer 25+ years of experience serving underserved communities
- Our certified financial counselors provide personalized guidance
- We maintain competitive loan rates and low-fee banking solutions
- Our Juntos Avanzamos accreditation demonstrates cultural competency
- We provide bilingual financial education and technical assistance
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 based on creditworthiness. Our flexible terms help members consolidate debt, cover emergencies, or finance major purchases. Certified financial counselors work with borrowers to ensure responsible lending practices and long-term financial health.
Credit Cards
Our credit card options include low-interest and credit-building products designed to help members establish financial credibility. Cardholders receive 24/7 fraud monitoring, digital wallet integration, and special benefits for Financial Wellness Program graduates, including 0% interest offers for qualifying applicants.
Financial Education
We provide comprehensive financial literacy programs covering budgeting, credit management, and debt reduction. Virtual workshops in English and Spanish offer practical skills for improving financial stability, with graduates receiving exclusive banking benefits to reinforce positive money habits.
ITIN Services
Our specialized ITIN program enables tax compliance and financial access for undocumented individuals. Services include account opening assistance, W-7 form processing, and credit-building opportunities, all available without Social Security numbers while maintaining full regulatory compliance.
Business Loans
We support small business growth with tailored lending solutions and free technical assistance. Our services include loan application preparation, financial projection development, and cash flow management guidance, helping entrepreneurs establish credit and expand operations within our community.
People
Rafael Monge-Portaro
President
As President, Rafael leads strategic initiatives to expand financial access in underserved communities. With extensive experience in cooperative finance, he focuses on developing inclusive banking solutions that empower members to achieve economic stability and growth.
Stephen Tolbert
Financial Officer
Stephen manages financial operations and risk management strategies. His expertise in credit union finance ensures responsible growth while maintaining competitive rates and services that meet members' evolving needs.
Gabriela Rodriguez
Compliance Officer
Gabriela oversees regulatory compliance and fair lending practices. She ensures all services meet federal standards while maintaining Neighborhood Trust's commitment to ethical banking and community trust.
Nazarett Perez
Marketing Communications Officer
Nazarett develops outreach strategies to connect with diverse communities. Her focus on multilingual communication helps expand financial education programs and membership across cultural demographics.
Marianys Pichardo
Consumer Loan Officer
Marianys assists members with personal loan applications and financial planning. Her client-centered approach helps individuals build credit responsibly while navigating various lending options.
Questions
What financial services are available for immigrants without Social Security numbers?
Our ITIN program provides full access to banking services including savings accounts, loans, and credit cards without requiring Social Security numbers.
How can I improve my financial literacy through Neighborhood Trust?
We offer free virtual workshops in English and Spanish covering budgeting, credit management, and debt reduction, plus personalized financial counseling sessions.
What loan options exist for small business owners?
We provide business loans, lines of credit, and free technical assistance including financial projections, loan application preparation, and cash flow management guidance.
Are there special benefits for completing financial education programs?
Graduates receive benefits like no minimum balance fees, interest rate discounts on loans, and 0% interest credit card offers for qualifying applicants.
How do I become a member?
Open a share savings account with $5 initial deposit. Membership includes access to all financial products, insured up to $250,000 by NCUA.
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