Perhaps she's thinking of Union Terminal () in Washington DC or Los Angeles? Cut her some slack - they don't even have real trains in San Francisco. A terminal should be the end of the line, a station just a stop on the line before the terminal. By that def perhaps Grand Central really is a terminus?

Queensboro Bridge sounds right to this out-of-towner, but Avenue of the Americas is such a mouthful you just know it can't be in general use. Is there also a secret name for the Brooklyn Bridge? Perhaps it's know locally as the DanHammer Memorial Bridge?