Suffolk Federal Credit Union

3681 Horseblock Road
Medford, NY 11763
866-774-2384
www.suffolkfcu.org

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Suffolk Federal Credit Union is headquartered in MEDFORD and is the 16^st largest credit union in the state of New York. It is also the 211^st largest credit union in the nation. It was established in 1967 and as of September of 2011, it had grown to 128 employees and 55,689 members. Suffolk Federal Credit Union has a 4-star health rating.

Competitive 5-Year CD Rate at Suffolk FCU in New York - Local Only - 5/11/2010

Suffolk Federal Credit Union is offering some competitive long-term certificates. The best one is the 5-year CD with a 3.40% APY. Minimum deposit is $500, and it's also available as an IRA and SEP ce ...

4.75% 60-Month CD at Suffolk FCU in New York - 1/9/2009

Suffolk Federal Credit Union is offering some competitive long-term certificates which include a 4.75% APY 60-month CD, a 4.10% APY 48-month CD and a 4.00% APY 36-month CD. There are also some special short-term certificates. The best ones have an APY of...

4.25% 8-Month CD at Suffolk FCU in New York (and iPod Checking Account Bonus) - 9/30/2008

Suffolk Federal Credit Union is offering a special 8-month share certificate with a yield of 4.25% APY. The minimum deposit is $500. The credit union also has a competitive rate on its 5-year certificate. The yield is 5% APY with a minimum deposit of...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Suffolk Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.50%	$50k	-	Max Money Checking
0.50%	$100k	-	Deluxe Business Checking
0.10%	$10k	-	Advantage Checking

Suffolk Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$50	-	IRA Savings
0.40%	$50	-	SEP Savings
0.25%	$5k	-	Share Savings
0.25%	$5k	-	Holiday Club
0.25%	$5k	-	Vacation Club

Suffolk Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.70%	$100k	-	Insured Money Market

Suffolk Federal Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month Certificate
1.75%	$500	-	48 Month Certificate
1.50%	$500	-	36 Month Certificate
1.10%	$500	-	24 Month Certificate
0.65%	$500	-	12 Month Certificate
0.45%	$500	-	6 Month Certificate
0.35%	$500	-	3 Month Certificate

Suffolk Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA Certificate
2.00%	$500	-	60 Month SEP Certificate
1.75%	$500	-	48 Month IRA Certificate
1.75%	$500	-	48 Month SEP Certificate
1.50%	$500	-	36 Month IRA Certificate
1.50%	$500	-	36 Month SEP Certificate
1.10%	$500	-	24 Month IRA Certificate
1.10%	$500	-	24 Month SEP Certificate
0.65%	$500	-	12 Month IRA Certificate
0.65%	$500	-	12 Month SEP Certificate
0.45%	$500	-	6 Month IRA Certificate
0.45%	$500	-	6 Month SEP Certificate
0.35%	$500	-	3 Month IRA Certificate
0.35%	$500	-	3 Month SEP Certificate

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

SUFFOLK
NCUA #	17914
BankRate Report	View
Year Established	1967
Employees	128
Primary Regulator
Assets and Liabilities
Assets	$874.59 million
Loans	$354.03 million
Deposits	$739.29 million
Equity Capital	$87.21 million
Loan Loss Allowance	$3.24 million
Unbacked Noncurrent Loans	$7.66 million
Real Estate Owned	$24,000
Historic Data - September 2010
Assets	$890.27 million
Equity Capital	$84.56 million
Loan Loss Allowance	$6.72 million
Unbacked Noncurrent Loans	$10.14 million
Real Estate Owned	$180,000
Profit Margin - Quarterly
Net Interest Margin	3.66%
Return on Assets	0.46%
Return on Equity	4.59%
Interest Income	$23.11 million
Non-Interest Income	$4.93 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Suffolk Federal Credit Union had $7.68 million in non-current loans and owned real-estate with $90.44 million in equity and loan loss allowances on hand to cover it. This gives Suffolk Federal Credit Union a Texas Ratio of 8.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Suffolk Federal Credit Union decreased slightly from 11.31% as of September 30, 2010 to 8.49% as of September 30, 2011, resulting in a positive change of 24.87%.This indicates that the balance sheet and financial strength for Suffolk Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Suffolk Federal Credit Union has decreased its total deposits by -$6.97 million, resulting in -0.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Suffolk Federal Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Suffolk Federal Credit Union has $874.59 million in assets with $90.44 million in equity, resulting in a capitalization level of 10.34%, which is above average.