The New York University Federal Credit Union is a personal loan from New York University Federal Credit Union. The ongoing APR is 760+ (A+): 11.0% up to 36 months, 12.0% 37-48 months, 13.0% 49-60 months; 700-759 (A): 12.0%, 13.0%, 14.0%; 650-699 (B): 13.0%, 14.0%, 15.0%; 600-649 (C): 15.0%, 16.0%, 17.0%; 520-599 (D): 16.0%, 17.0%, 18.0%. Typical credit limit: You may apply up to $25,000 given qualifying credit history, credit score and income.. Loan terms: This will be an installment loan for 12-60 months, with a rate depending on the term, with a fixed monthly payment..