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 137th largest credit union in the state of New York. It is also the 2,678th largest credit union in the nation. It was established in 1979 and as of December of 2019, it had grown to 5 employees and 2,961 members at 1 location. Academic Federal Credit Union's money market rates are 2X the national average, and it has a C+ 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 - YTD0.97%
Return on Equity - YTD9.45%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$35.4MM$36.4MM
LoansQ4 2019vs Q4 2018$18.9MM$20.4MM
DepositsQ4 2019vs Q4 2018$31.6MM$33.1MM
Equity CapitalQ4 2019vs Q4 2018$3.6MM$3.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$358.00K$443.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$559.00K$752.00K
Real Estate OwnedQ4 2019vs Q4 2018$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

1.00%*$100k*-Money Market
OTHER TIERS: 0.65% $25k - $100k

Academic Federal Credit Union Checking Account Rates

0.15%$300-Share Draft

Academic Federal Credit Union CD Rates

1.45%$5k-36 Month Traditional CD
1.40%$1k-24 Month Traditional CD
1.35%$1k-12 Month Flex CD
1.35%$1k-15 Month Traditional CD
1.35%$1k-18 Month Traditional CD
1.25%$1k-12 Month Liquid CD
0.50%$1k-6 Month Flex CD

Academic Federal Credit Union IRA Rates

1.55%$500-60 Month IRA
1.45%$500-36 Month IRA
1.35%$500-12 Month IRA

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

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