Overview / Commentary
425 North State Road
Briarcliff Manor, NY 10510

Academic Federal Credit Union is headquartered in Briarcliff Manor and is the 137th largest credit union in the state of New York. It is also the 2,644th largest credit union in the nation. It was established in 1979 and as of September of 2018, it had grown to 5 employees and 3,123 members at 1 location. Academic Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership is open to employees, retirees, volunteers and their immediate family of Fordham University, Iona College, Manhattan College, Saint Thomas Aquinas College, and other select schools.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Academic Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23425
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD-0.35%
Return on Equity - YTD-4.23%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$37.1MM$39.1MM
LoansQ3 2018vs Q3 2017$20.6MM$19.9MM
DepositsQ3 2018vs Q3 2017$33.8MM$35.5MM
Equity CapitalQ3 2018vs Q3 2017$3.1MM$3.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$373.00K$228.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$710.00K$406.00K
Real Estate OwnedQ3 2018vs Q3 2017$148.00K$148.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Academic Federal Credit Union Savings Account Rates

0.15%$20-Holiday Club
0.15%$20-IRA Share
0.15%$20-Vacation Club
0.15%$20-Custodial Account
0.15%$20-Trust Account

Academic Federal Credit Union Money Market Rates

0.40%*$100k*-Money Market
OTHER TIERS: 0.35% $25k - $100k

Academic Federal Credit Union Checking Account Rates

0.15%$300-Share Draft

Academic Federal Credit Union CD Rates

1.10%$5k-36 Months Traditional CD
0.80%$1k-24 Months Traditional CD
0.70%$1k-15 Months Traditional CD
0.65%$1k-18 Months Traditional CD
0.50%$1k-12 Months Flex CD
0.40%$1k-12 Months Liquid CD
0.35%$1k-6 Months Flex CD

Academic Federal Credit Union IRA Rates

1.60%$500-60 Months IRA
1.10%$500-36 Months IRA
0.50%$500-12 Months IRA

Academic Federal Credit Union Locations
Branch Office425 N State RdBriarcliff Manor, NY 10510-1469

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