Overview / Commentary
716-873-1174
927 Grant St
Buffalo, NY 14207-2820

Cadets Federal Credit Union is headquartered in Buffalo and is the 223rd largest credit union in the state of New York. It is also the 3,870th largest credit union in the nation. It was established in 1950 and as of June of 2018, it had grown to 6 employees and 860 members at 3 locations. Cadets Federal Credit Union's CD rates are 96% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to members and employees of Polish Cadets Club of Buffalo, American Legion Post 1041, Assumption Parish, Liston Manufacturing Inc.
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Health
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
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD-1.79%
Return on Equity - YTD-17.43%
Annual Interest Income$248.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$12.6MM$12.0MM
LoansQ2 2018vs Q2 2017$8.0MM$8.1MM
DepositsQ2 2018vs Q2 2017$11.3MM$10.5MM
Equity CapitalQ2 2018vs Q2 2017$1.3MM$1.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$92.00K$105.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$34.00K$23.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* 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
1.00%$1k-IRA Share Account
1.00%*$2.5k*-Holiday Club
OTHER TIERS: 0.75% $100 - $2.5k
1.00%*$2.5k*-Vacation Club
OTHER TIERS: 0.75% $100 - $2.5k
1.00%*$2.5k*-Camping Club
OTHER TIERS: 0.75% $100 - $2.5k
0.75%$2.5k-Premium Share Account
0.50%$100-Regular Share Account
0.50%*$5k*-HSA Share Draft Checking
OTHER TIERS: 0.25% $100 - $2.5k | 0.38% $2.5k - $5k

Cadets Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$5k*-Premium Share Draft Checking
OTHER TIERS: 0.50% $2.5k - $5k

Cadets Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$25k*-5 Year Share Certificate
OTHER TIERS: 2.52% $1k - $5k | 2.65% $5k - $25k
2.52%*$25k*-4 Year Share Certificate
OTHER TIERS: 2.27% $1k - $5k | 2.40% $5k - $25k
2.27%*$25k*-3 Year Share Certificate
OTHER TIERS: 2.02% $1k - $5k | 2.14% $5k - $25k
2.14%*$25k*-30 Month Share Certificate
OTHER TIERS: 1.89% $1k - $5k | 2.02% $5k - $25k
2.02%*$25k*-2 Year Share Certificate
OTHER TIERS: 1.76% $1k - $5k | 1.89% $5k - $25k
1.89%*$25k*-18 Month Share Certificate
OTHER TIERS: 1.64% $1k - $5k | 1.76% $5k - $25k
1.76%*$25k*-12 Month Share Certificate
OTHER TIERS: 1.51% $1k - $5k | 1.64% $5k - $25k

Cadets Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$25k*-5 Year IRA Certificate
OTHER TIERS: 2.52% $1k - $5k | 2.65% $5k - $25k
2.52%*$25k*-4 Year IRA Certificate
OTHER TIERS: 2.27% $1k - $5k | 2.40% $5k - $25k
2.27%*$25k*-3 Year IRA Certificate
OTHER TIERS: 2.02% $1k - $5k | 2.14% $5k - $25k
2.14%*$25k*-30 Month IRA Certificate
OTHER TIERS: 1.89% $1k - $5k | 2.02% $5k - $25k
2.02%*$25k*-2 Year IRA Certificate
OTHER TIERS: 1.76% $1k - $5k | 1.89% $5k - $25k
1.89%*$25k*-18 Month IRA Certificate
OTHER TIERS: 1.64% $1k - $5k | 1.76% $5k - $25k
1.76%*$25k*-12 Month IRA Certificate
OTHER TIERS: 1.51% $1k - $5k | 1.64% $5k - $25k
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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