Academic Federal Credit Union

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

Academic Federal Credit Union is headquartered in Briarcliff Manor and is the 145th largest credit union in the state of New York. It is also the 2,726th largest credit union in the nation. It was established in 1979 and as of June of 2020, it had grown to 4 employees and 2,952 members at 1 location. Academic Federal Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Academic Federal Credit Union 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.
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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-1.14%
Return on Equity - YTD-11.79%
Annual Interest Income$612.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$37.4MM$36.3MM
LoansQ2 2020vs Q2 2019$18.1MM$19.2MM
DepositsQ2 2020vs Q2 2019$33.7MM$32.6MM
Equity CapitalQ2 2020vs Q2 2019$3.5MM$3.5MM
Loan Loss AllowanceQ2 2020vs Q2 2019$292.00K$417.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$268.00K$409.00K
Real Estate OwnedQ2 2020vs Q2 2019$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-Christmas 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%$25k-Money Market

Academic Federal Credit Union CD Rates

1.20%$5k-36 Month Traditional CD
1.10%$1k-24 Month Traditional CD
1.05%$1k-18 Month Traditional CD
1.00%$1k-12 Month Flex CD
1.00%$1k-15 Month Traditional CD
0.90%$1k-12 Month Liquid CD
0.50%$1k-6 Month Flex CD

Academic Federal Credit Union IRA Rates

1.30%$500-60 Month IRA
1.20%$500-36 Month IRA
1.00%$500-12 Month IRA

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

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