Featured Savings Rates
Featured Accounts

CFCU Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.45%5-year CD60 Month Bump Up Share Certificate
0.40%1-year CD12 Month Lucky Savers Certificate
0.05%SavingsShare Savings Account

Overview / Commentary
607-257-8500
1030-1050 Craft Road
Ithaca, NY 14850

CFCU Community Credit Union is headquartered in Ithaca and is the 20th largest credit union in the state of New York. It is also the 273rd largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 187 employees and 70,048 members at 11 locations. CFCU Community Credit Union has an A health rating.

Field of Membership Restrictions

Membership in CFCU Community Credit Union is open to those who live, attend school, or work in Tompkins or Cortland Counties in New York and to immediate family of those eligible.
See current membership details

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Reviews (5)

A Solid Credit Union -- CFCU

I was a member of CFCU while I attended Ithaca College in Ithaca, New York. I chose CFCU because they had a branch on campus, but I stayed with CFCU because they had excellent customer service. I was always treated well when I had to deposit a check or had a question about their policies. For example, I needed to take out a loan. They explained to me what my options were and answered every question I had about repayment. CFCU is generally very helpful and want their customers to save money. Once, when I had a withdrawal that was going to overdraft, they called me up to try and get me to deposit money to fix it before they had to charge me. The only downside was that they didn't have any online banking at the time, but they now offer that service. I highly recommend that Tompkins County residents get a CFCU account.

Why I bank with CFCU Community Credit Union

I have had an account with this bank for at least 18 years. They have always had low fees and no requirements for having a certain amount of money in my checking account. I like having a local bank because I feel like anytime I have a problem with my account I can walk into a local branch and they will take care of the problem. I feel like they really care about my business and treat me with respect. I feel like my account is safe and secure with them and I enjoy banking with them. The only issue I have is that they do not have as many ATM machines close to my office so sometimes I have to use an out of network machine if I don't have time to make it to an in network machine or a branch. These small inconveniences still do not out weigh the piece of mind I have by having a local bank.

Sati

I joined this CFCU Community Credit Union when starting my PhD program in an isolated city. I wanted a local bank or credit union that I could use for rent checks and other local banking needs. The service has been satisfactory. This credit union is very local, so I will be closing my accounts when I leave. I have been satisfied with the service and believe that this credit union has met my needs.

CFCU

After moving to a small town in central New York, I wanted to have a local bank to do things like pay rent. CFCU Community Credit Union seemed like a good choice. They had better interest rates on savings and checking accounts than other banks or credit unions in the area. As is the case in general with businesses in central New York, customer service is not their strong suit. They are incredibly slow and unfriendly when you go to them with questions about your account. There is no mobile app for this credit union. Their website interface also seems horribly dated. Overall, the experience is decent, but the bar for a local bank or credit union in central New York is awfully low.

Horrible Teller Experience At Drivethru At Meadowstreet Branch

Posted by: BrockStar | Sep 13, 2015

On September 12, 2015, a Saturday, my girlfriend and I went through the drivethru at CFCU's Meadow Street Branch. There was a chubby chick working the tubes and she was yelling and swearing (the F word, over and over) and seemed very angry and distracted. She was rude to us and seemed very unhappy to be there and kept turning around to yell at someone, we think was a kid. A guy walking by on the street said the woman had her kid in there and was yelling at him the whole time he was in there. He was pretty dismayed. Our kids were in the car and asked why the lady was saying bad words. They were amazed. We had to try to distract them with snacks.
CFCU is always talking about how friendly and accessible they are, but then they hire someone of this low quality? It was something straight out of an XtraMart at midnight in Dayton, Ohio.
CFCU, you've always been pretty great, but there aren't better candidates to hire for customer service than THIS??!! WOW!!! Class it up, please!!!!!! This is where people get and put THEIR money! They need to have smart, professional, CLEAN people attending to that big responsibility.



Health

Health Grade Components

Overall
NCUA #68322
Year Chartered1953
Employees187
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD5.6%
Annual Interest Income$34.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.06B$1.03B
LoansQ4 2017vs Q4 2016$737.4MM$683.6MM
DepositsQ4 2017vs Q4 2016$910.4MM$895.2MM
Equity CapitalQ4 2017vs Q4 2016$139.7MM$132.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.7MM$3.9MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$9.3MM$9.0MM
Real Estate OwnedQ4 2017vs Q4 2016$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.

CFCU Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-IRA Account
0.15%$100-Coverdell ESA Savings
0.05%$100-Share Savings Account
0.05%$100-Clubs Account
0.05%$100-Business Savings Accounts
0.05%$100-Business Club Accounts

CFCU Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Money Market Accounts
OTHER TIERS: 0.05% $2,500 - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k

CFCU Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Premiere Business Checking
OTHER TIERS: 0.10% $1k - $50k | 0.15% $50k - $100k
0.03%$500-Share Draft Premiere Checking Account
0.01%$200-Share Draft Classic Checking Account

CFCU Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$100k-50 Month Jumbo Share Certificate
1.45%*$25k*-60 Month Share Certificate
OTHER TIERS: 1.35% $500 - $25k
1.45%*$25k*-60 Month Bump Up Share Certificate
OTHER TIERS: 1.35% $500 - $25k
1.35%*$25k*-50 Month Share Certificate
OTHER TIERS: 1.25% $500 - $25k
1.20%*$25k*-48 Month Share Certificate
OTHER TIERS: 1.10% $500 - $25k
1.10%$100k-30 Month Jumbo Share Certificate
1.05%*$25k*-36 Month Share Certificate
OTHER TIERS: 0.95% $500 - $25k
1.05%*$25k*-36 Month Bump-Up Share Certificate
OTHER TIERS: 0.95% $500 - $25k
0.95%*$25k*-30 Month Share Certificate
OTHER TIERS: 0.85% $500 - $25k
0.85%$100k-20 Month Jumbo Share Certificate
0.80%*$25k*-24 Month Share Certificate
OTHER TIERS: 0.70% $500 - $25k
0.80%*$25k*-24 Month Bump Up Share Certificate
OTHER TIERS: 0.70% $500 - $25k
0.70%*$25k*-20 Month Share Certificate
OTHER TIERS: 0.60% $500 - $25k
0.60%$100k-10 Month Jumbo Share Certificate
0.55%*$25k*-18 Month Share Certificate
OTHER TIERS: 0.45% $500 - $25k
0.50%*$25k*-12 Month Share Certificate
OTHER TIERS: 0.40% $500 - $25k
0.45%*$25k*-10 Month Share Certificate
OTHER TIERS: 0.35% $500 - $25k
0.40%$25-12 Month Lucky Savers Certificate
0.35%*$25k*-6 Month Share Certificate
OTHER TIERS: 0.25% $500 - $25k
0.20%$500-3 Month Share Certificate

CFCU Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$100k-50 Month Jumbo IRA Share Certificate
1.45%*$25k*-60 Month IRA Share Certificate
OTHER TIERS: 1.35% $500 - $25k
1.45%*$25k*-60 Month Bump Up IRA Share Certificate
OTHER TIERS: 1.35% $500 - $25k
1.35%*$25k*-50 Month IRA Share Certificate
OTHER TIERS: 1.25% $500 - $25k
1.20%*$25k*-48 Month IRA Share Certificate
OTHER TIERS: 1.10% $500 - $25k
1.10%$100k-30 Month Jumbo IRA Share Certificate
1.05%*$25k*-36 Month IRA Share Certificate
OTHER TIERS: 0.95% $500 - $25k
1.05%*$25k*-36 Month Bump-Up IRA Certificate
OTHER TIERS: 0.95% $500 - $25k
0.95%*$25k*-30 Month IRA Share Certificate
OTHER TIERS: 0.85% $500 - $25k
0.85%$100k-20 Month Jumbo IRA Share Certificate
0.80%*$25k*-24 Month IRA Share Certificate
OTHER TIERS: 0.70% $500 - $25k
0.80%*$25k*-24 Month Bump Up IRA Share Certificate
OTHER TIERS: 0.70% $500 - $25k
0.70%*$25k*-20 Month IRA Share Certificate
OTHER TIERS: 0.60% $500 - $25k
0.60%$100k-10 Month Jumbo IRA Share Certificate
0.55%*$25k*-18 Month IRA Share Certificate
OTHER TIERS: 0.45% $500 - $25k
0.50%*$25k*-12 Month IRA Share Certificate
OTHER TIERS: 0.40% $500 - $25k
0.45%*$25k*-10 Month IRA Share Certificate
OTHER TIERS: 0.35% $500 - $25k
0.35%*$25k*-6 Month IRA Share Certificate
OTHER TIERS: 0.25% $500 - $25k
0.20%$500-3 Month IRA Share Certificate
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Availability



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