Overview / Commentary
518-783-2211
20 Wade Rd
Latham, NY 12110-3520

Community Resource Federal Credit Union is headquartered in Latham and is the 82nd largest credit union in the state of New York. It is also the 1,744th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 27 employees and 7,065 members at 3 locations. Community Resource Federal Credit Union's money market rates are 3X the national average, and it has an A 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. Membership is also open to members and employees of National Grid Company and its majority owned subsidies in the United States.
See current membership details

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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. Community Resource Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #770
Year Chartered1935
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD4.2%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$86.3MM$84.8MM
LoansQ4 2018vs Q4 2017$74.4MM$70.4MM
DepositsQ4 2018vs Q4 2017$73.9MM$72.3MM
Equity CapitalQ4 2018vs Q4 2017$10.7MM$10.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$573.00K$598.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$487.00K$923.00K
Real Estate OwnedQ4 2018vs Q4 2017$60.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Community Resource 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.

Community Resource Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$150k*-IRA Share Account
OTHER TIERS: 1.01% Up to $10k | 1.11% $10k - $50k | 1.21% $50k - $150k
0.20%*$2.5k*-Youth Savings Account
OTHER TIERS: 0.10% Up to $2.5k
0.15%*$10k*-Share Savings Account
OTHER TIERS: 0.10% $100 - $10k

Community Resource Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$150k*-Insured Money Market Account
OTHER TIERS: 1.01% $2.5k - $10k | 1.11% $10k - $50k | 1.21% $50k - $150k

Community Resource Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Dividend Checking

Community Resource Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.11%$50k-60 Month Super Share Certificate
3.00%$500-60 Month Share Certificate
2.90%$50k-48 Month Super Share Certificate
2.80%$500-48 Month Share Certificate
2.71%$50k-36 Month Super Share Certificate
2.69%$500-15 Month Share Certificate Special
2.60%$500-36 Month Share Certificate
2.60%$50k-30 Month Super Share Certificate
2.50%$500-30 Month Share Certificate
2.50%$50k-18 Month Super Share Certificate
2.50%$50k-24 Month Super Share Certificate
2.40%$500-24 Month Share Certificate
2.40%$500-18 Month Share Certificate
2.36%$100-12 Month Youth Share Certificate
2.20%$50k-12 Month Super Share Certificate
2.10%$500-12 Month Share Certificate
2.10%$25$10k12 Month Lucky Savers Share Certificate
1.80%$500-6 Month Share Certificate

Community Resource Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.11%$50k-60 Month IRA Super Share Certificate
3.00%$500-60 Month IRA Share Certificate
2.90%$50k-48 Month IRA Super Share Certificate
2.80%$500-48 Month IRA Share Certificate
2.71%$50k-36 Month IRA Super Share Certificate
2.60%$500-36 Month IRA Share Certificate
2.60%$50k-30 Month IRA Super Share Certificate
2.50%$500-30 Month IRA Share Certificate
2.50%$50k-18 Month IRA Super Share Certificate
2.50%$50k-24 Month IRA Super Share Certificate
2.40%$500-24 Month IRA Share Certificate
2.40%$500-18 Month IRA Share Certificate
2.20%$50k-12 Month IRA Super Share Certificate
2.10%$500-12 Month IRA Share Certificate
1.80%$500-6 Month IRA Share Certificate
Locations


Community Resource Federal Credit Union Locations
Branch Office1125 BroadwayMenands, NY 12204
Branch Office20 Wade RdLatham, NY 12110-3520
Branch Office631 Bloomingrove DrRensselaer, NY 12144

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