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Cadets Federal Credit Union


Overview / Commentary
www.cadetsfcu.com
716-873-1174
927 Grant St
Buffalo, NY 14207-2820

Cadets Federal Credit Union is headquartered in ELMA and is the 208th largest credit union in the state of New York. It is also the 3,683rd largest credit union in the nation. It was established in 1950 and as of September of 2020, it had grown to 4 employees and 1,103 members at 3 locations. Cadets Federal Credit Union has a B health rating.

Field of Membership Restrictions

Cadets Federal Credit Union is open anyone through joining the Polish Cadets Club of Buffalo ($25 membership fee). Also eligible for membership, are those who work for or belong to the following credit union affiliates: Assumption Parish, American Legion Post 1041, Aurora Plumbing & Excavation, DeLacy Ford, or Liston Manufacturing Inc.
See current membership details

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Health
B

Data as of Q3 2020

Learn why bank health matters
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. Cadets Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #6930
Year Chartered1950
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD2.3%
Annual Interest Income$486.00K
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$14.8MM$13.4MM
LoansQ3 2020vs Q3 2019$11.2MM$9.3MM
DepositsQ3 2020vs Q3 2019$13.5MM$12.2MM
Equity CapitalQ3 2020vs Q3 2019$1.2MM$1.2MM
Loan Loss AllowanceQ3 2020vs Q3 2019$79.00K$65.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$84.00K$49.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Cadets Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cadets Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-IRA Share Account
0.25%*$2.5k*-Holiday Club
OTHER TIERS: 0.13% → $250 - $2.5k
0.25%*$2.5k*-Vacation Club
OTHER TIERS: 0.13% → $250 - $2.5k
0.25%*$2.5k*-Camping Club
OTHER TIERS: 0.13% → $250 - $2.5k
0.25%$1k-Youth Account
0.10%$2.5k-Premium Share Account
0.10%*$2.5k*-HSA Share Draft Checking
OTHER TIERS: 0.05% → $250 - $2.5k
0.05%$100-Regular Share Account

Cadets Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$5k*-Premium Share Draft Checking
OTHER TIERS: 0.05% → $2.5k - $5k

Cadets Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$25k*$250k5 Year Share Certificate
OTHER TIERS: 0.63% → $1k - $25k
0.63%*$25k*$250k4 Year Share Certificate
OTHER TIERS: 0.50% → $1k - $25k
0.50%*$25k*$250k3 Year Share Certificate
OTHER TIERS: 0.38% → $1k - $25k
0.38%*$25k*$250k2 Year Share Certificate
OTHER TIERS: 0.25% → $1k - $25k
0.25%$1k$250k12 Month Share Certificate

Cadets Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$25k*$250k5 Year IRA Certificate
OTHER TIERS: 0.63% → $1k - $25k
0.63%*$25k*$250k4 Year IRA Certificate
OTHER TIERS: 0.50% → $1k - $25k
0.50%*$25k*$250k3 Year IRA Certificate
OTHER TIERS: 0.38% → $1k - $25k
0.38%*$25k*$250k2 Year IRA Certificate
OTHER TIERS: 0.25% → $1k - $25k
0.25%$1k$250k12 Month IRA Certificate
Locations


Cadets Federal Credit Union Locations
Branch Office927 Grant StBuffalo, NY 14207-2820
Branch Office1285 Erie AveN Tonawanda, NY 14120-3037
Branch Office1751 TRANSIT RDELMA, NY 14059-9687

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