Community Resource Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	5-year CD	60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD
0.50%	1-year CD	12 Month Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.15%	Savings	Share Savings Account 1.00% - Ally Bank Online Savings Account

View all Community Resource Federal Credit Union rates »

Overview / Commentary

www.communityresource.coop

518-783-2211

20 Wade Rd
Latham, NY 12110-3520

Community Resource Federal Credit Union is headquartered in Latham and is the 88^th largest credit union in the state of New York. It is also the 1,820^th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 24 employees and 6,931 members at 2 locations. Community Resource Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Albany, Saratoga, Schenectady or Rensselaer Counties and to their immediate family and the immediate family of current members.
See current membership details

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Health

B+

Data as of Q2 2016

Learn more about bank 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. Community Resource Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	770
Year Chartered	1935
Employees	24
Primary Regulator

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	6.67%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$78.1MM$76.5MM
Loans	Q2 2016vs Q2 2015	$63.9MM$62.7MM
Deposits	Q2 2016vs Q2 2015	$68.0MM$67.2MM
Equity Capital	Q2 2016vs Q2 2015	$9.8MM$9.0MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$696.00K$775.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.2MM$1.4MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Resource Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$50k^*	-	IRA Share Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	Roth IRA Share Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	CESA Share Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $50k
0.20%^*	$2,500^*	-	Scottie Savers Youth Savings Account
OTHER TIERS: 0.10% → Up to $2,500
0.15%^*	$10k^*	-	Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k
0.15%^*	$10k^*	-	Holiday Clubs Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k
0.15%^*	$10k^*	-	Special Clubs Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k
0.15%^*	$10k^*	-	Vacation Clubs Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k
0.15%^*	$10k^*	-	Business Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k
0.15%^*	$10k^*	-	Business SEP IRA Share Savings Account
OTHER TIERS: 0.10% → $100 - $10k

Community Resource Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$50k^*	-	Insured Money Market Account
OTHER TIERS: 0.15% → $2,500 - $10k \| 0.20% → $10k - $50k
0.30%^*	$50k^*	-	Business Insured Money Market Account
OTHER TIERS: 0.15% → $2,500 - $10k \| 0.20% → $10k - $50k

Community Resource Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$2,500	-	Energized Checking Account

Community Resource Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.10%	$50k	-	60 Month Super Share Certificate
2.10%	$50k	-	Business 60 Month Super Share Certificate
2.00%	$500	-	60 Month Share Certificate
2.00%	$500	-	Business 60 Month Share Certificate
1.85%	$50k	-	48 Month Super Share Certificate
1.85%	$50k	-	Business 48 Month Super Share Certificate
1.75%	$500	-	48 Month Share Certificate
1.75%	$500	-	Business 48 Month Share Certificate
1.60%	$50k	-	39 Month Super Share Certificate
1.60%	$50k	-	Business 39 Month Super Share Certificate
1.50%	$500	-	39 Month Share Certificate
1.50%	$500	-	Business 39 Month Share Certificate
1.40%	$50k	-	36 Month Super Share Certificate
1.40%	$50k	-	Business 36 Month Super Share Certificate
1.30%	$500	-	36 Month Share Certificate
1.30%	$500	-	Business 36 Month Share Certificate
1.11%	$50k	-	30 Month Super Share Certificate
1.11%	$50k	-	Business 30 Month Super Share Certificate
1.06%	$50k	-	24 Month Super Share Certificate
1.06%	$50k	-	Business 24 Month Super Share Certificate
1.01%	$500	-	30 Month Share Certificate
1.01%	$500	-	Business 30 Month Share Certificate
0.95%	$500	-	24 Month Share Certificate
0.95%	$50k	-	21 Month Super Share Certificate
0.95%	$500	-	Business 24 Month Share Certificate
0.95%	$50k	-	Business 21 Month Super Share Certificate
0.90%	$50k	-	18 Month Super Share Certificate
0.90%	$50k	-	Business 18 Month Super Share Certificate
0.85%	$500	-	21 Month Share Certificate
0.85%	$500	-	Business 21 Month Share Certificate
0.80%	$500	-	18 Month Share Certificate
0.80%	$500	-	Business 18 Month Share Certificate
0.75%	$100	-	1 Year Scottie Saver Share Certificate
0.75%	$100	-	1 Year Money Rules! Share Certificate
0.70%	$50k	-	15 Month Super Share Certificate
0.70%	$50k	-	Business 15 Month Super Share Certificate
0.60%	$500	-	15 Month Share Certificate
0.60%	$50k	-	12 Month Super Share Certificate
0.60%	$500	-	Business 15 Month Share Certificate
0.60%	$50k	-	Business 12 Month Super Share Certificate
0.50%	$500	-	12 Month Share Certificate
0.50%	$500	-	Business 12 Month Share Certificate
0.40%	$500	-	6 Month Share Certificate
0.40%	$500	-	Business 6 Month Share Certificate

Community Resource Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.10%	$50k	-	60 Month IRA Super Share Certificate
2.10%	$50k	-	Business 60 Month SEP IRA Super Share Certificate
2.00%	$500	-	60 Month IRA Share Certificate
2.00%	$500	-	Business 60 Month SEP IRA Share Certificate
1.85%	$50k	-	48 Month IRA Super Share Certificate
1.85%	$50k	-	Business 48 Month SEP IRA Super Share Certificate
1.75%	$500	-	48 Month IRA Share Certificate
1.75%	$500	-	Business 48 Month SEP IRA Share Certificate
1.60%	$50k	-	39 Month IRA Super Share Certificate
1.60%	$50k	-	Business 39 Month SEP IRA Super Share Certificate
1.50%	$500	-	39 Month IRA Share Certificate
1.50%	$500	-	Business 39 Month SEP IRA Share Certificate
1.40%	$50k	-	36 Month IRA Super Share Certificate
1.40%	$50k	-	Business 36 Month SEP IRA Super Share Certificate
1.30%	$500	-	36 Month IRA Share Certificate
1.30%	$500	-	Business 36 Month SEP IRA Share Certificate
1.11%	$50k	-	30 Month IRA Super Share Certificate
1.11%	$50k	-	Business 30 Month SEP IRA Super Share Certificate
1.06%	$50k	-	24 Month IRA Super Share Certificate
1.06%	$50k	-	Business 24 Month SEP IRA Super Share Certificate
1.01%	$500	-	30 Month IRA Share Certificate
1.01%	$500	-	Business 30 Month SEP IRA Share Certificate
0.95%	$500	-	24 Month IRA Share Certificate
0.95%	$50k	-	21 Month IRA Super Share Certificate
0.95%	$50k	-	Business 21 Month SEP IRA Super Share Certificate
0.95%	$500	-	Business 24 Month SEP IRA Share Certificate
0.90%	$50k	-	18 Month IRA Super Share Certificate
0.90%	$50k	-	Business 18 Month SEP IRA Super Share Certificate
0.85%	$500	-	21 Month IRA Share Certificate
0.85%	$500	-	Business 21 Month SEP IRA Share Certificate
0.80%	$500	-	18 Month IRA Share Certificate
0.80%	$500	-	Business 18 Month SEP IRA Share Certificate
0.70%	$50k	-	15 Month IRA Super Share Certificate
0.70%	$50k	-	Business 15 MonthSEP IRA Super Share Certificate
0.60%	$500	-	15 Month IRA Share Certificate
0.60%	$50k	-	12 Month IRA Super Share Certificate
0.60%	$50k	-	Business 12 Month SEP IRA Super Share Certificate
0.60%	$500	-	Business 15 Month SEP IRA Share Certificate
0.50%	$500	-	12 Month IRA Share Certificate
0.50%	$500	-	Business 12 Month SEP IRA Share Certificate
0.40%	$500	-	6 Month IRA Share Certificate
0.40%	$500	-	Business 6 Month SEP IRA Share Certificate

Locations

Community Resource Federal Credit Union Locations
Branch Office	1125 Broadway	Menands, NY 12204
Branch Office	20 Wade Rd	Latham, NY 12110-3520