Community Resource Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.00%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
2.10%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	2.20% - Barclays Online Savings Account

View all Community Resource Federal Credit Union rates »

Overview / Commentary

communityresourcefcu.com

518-783-2211

20 Wade Rd
Latham, NY 12110-3520

Community Resource Federal Credit Union is headquartered in Latham and is the 82^nd largest credit union in the state of New York. It is also the 1,744^th 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

Data as of Q4 2018

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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	27
Primary Regulator

Profit Margin
Return on Assets - YTD	0.52%
Return on Equity - YTD	4.2%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$86.3MM$84.8MM
Loans	Q4 2018vs Q4 2017	$74.4MM$70.4MM
Deposits	Q4 2018vs Q4 2017	$73.9MM$72.3MM
Equity Capital	Q4 2018vs Q4 2017	$10.7MM$10.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$573.00K$598.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$487.00K$923.00K
Real Estate Owned	Q4 2018vs Q4 2017	$60.00K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Dividend Checking

Community Resource Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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	$10k	12 Month Lucky Savers Share Certificate
1.80%	$500	-	6 Month Share Certificate

Community Resource Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
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 Office	1125 Broadway	Menands, NY 12204
Branch Office	20 Wade Rd	Latham, NY 12110-3520
Branch Office	631 Bloomingrove Dr	Rensselaer, NY 12144

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