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 142nd largest credit union in the state of New York. It is also the 2,721st largest credit union in the nation. It was established in 1979 and as of March of 2021, it had grown to 5 employees and 2,868 members at 1 location. Academic Federal Credit Union 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.
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 - YTD0.37%
Return on Equity - YTD4.48%
Annual Interest Income$261.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$40.5MM$35.7MM
LoansQ1 2021vs Q1 2020$17.3MM$19.0MM
DepositsQ1 2021vs Q1 2020$37.1MM$31.9MM
Equity CapitalQ1 2021vs Q1 2020$3.3MM$3.7MM
Loan Loss AllowanceQ1 2021vs Q1 2020$370.00K$211.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$148.00K$414.00K
Real Estate OwnedQ1 2021vs Q1 2020$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

0.05%$20-Christmas Club
0.05%$20-IRA Share
0.05%$20-Vacation Club
0.05%$20-Custodial Account
0.05%$20-Trust Account

Academic Federal Credit Union Money Market Rates

0.40%$25k-Money Market

Academic Federal Credit Union CD Rates

0.70%$5k-36 Month Traditional CD
0.65%$1k-24 Month Traditional CD
0.60%$1k-18 Month Traditional CD
0.55%$1k-15 Month Traditional CD
0.50%$1k-12 Month Flex CD
0.40%$1k-12 Month Liquid CD
0.25%$1k-6 Month Flex CD

Academic Federal Credit Union IRA Rates

1.00%$500-60 Month IRA
0.70%$500-36 Month IRA
0.50%$500-12 Month IRA

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

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