Cooperative Federal Reviews and Rates

Cooperative Federal

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cooperativefederal.org

315-473-0280

800 N Salina St Ste 200
SYRACUSE, NY 13208

Cooperative Federal is headquartered in Syracuse and is the 135^th largest credit union in the state of New York. It is also the 2,528^th largest credit union in the nation. It was established in 1982 and as of March of 2025, it had grown to 30 employees and 3,618 members at 3 locations. Cooperative Federal's money market rates are 2X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the City of Syracuse. Also open to employees, members and volunteers of several select local organizations.
See current membership details

Reviews

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Health

C+

Data as of Q1 2025

Learn why bank health matters

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. Cooperative Federal has a low asset base.

Health Grade Components

Overall
NCUA #	23865
Year Chartered	1982
Employees	30
Primary Regulator

Profit Margin
Return on Assets - YTD	12.08%
Return on Equity - YTD	139.74%
Annual Interest Income	$611K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$44.7MM$42.5MM
Loans	Q1 2025vs Q1 2024	$33.3MM$30.5MM
Deposits	Q1 2025vs Q1 2024	$35.9MM$34.6MM
Equity Capital	Q1 2025vs Q1 2024	$3.7MM$1.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$813K$859K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2MM$1.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$39K$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
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IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cooperative Federal Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$50	-	Share Savings
0.05%	$50	-	Business Share Savings

Cooperative Federal Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$2.5k	-	Super Share Money Market
1.00%	$2.5k	-	Business Super Share Money Market
0.75%	$4.5k	-	Super Share Money Market Checking
0.75%	$4.5k	-	Business Super Share Checking Account

Cooperative Federal CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.11%^*	$245k^*	-	13 Month Special CD
OTHER TIERS: 4.05% → $4k - $50k \| 4.10% → $50k - $245k
4.06%^*	$245k^*	-	7 month Special CD
OTHER TIERS: 4.00% → $4k - $50k \| 4.05% → $50k - $245k
2.31%^*	$245k^*	-	48 Month CD
OTHER TIERS: 2.25% → $1k - $50k \| 2.30% → $50k - $245k
2.31%^*	$245k^*	-	60 Month CD
OTHER TIERS: 2.25% → $1k - $50k \| 2.30% → $50k - $245k
2.06%^*	$245k^*	-	24 Month CD
OTHER TIERS: 2.00% → $1k - $50k \| 2.05% → $50k - $245k
2.06%^*	$245k^*	-	30 Month CD
OTHER TIERS: 2.00% → $1k - $50k \| 2.05% → $50k - $245k
2.06%^*	$245k^*	-	36 Month CD
OTHER TIERS: 2.00% → $1k - $50k \| 2.05% → $50k - $245k
1.51%^*	$245k^*	-	3 Month CD
OTHER TIERS: 1.45% → $4k - $50k \| 1.50% → $50k - $245k
1.51%^*	$245k^*	-	18 Month CD
OTHER TIERS: 1.45% → $4k - $50k \| 1.50% → $50k - $245k
1.46%^*	$245k^*	-	12 Month CD
OTHER TIERS: 1.40% → $4k - $50k \| 1.45% → $50k - $245k
1.41%^*	$245k^*	-	6 Month CD
OTHER TIERS: 1.35% → $4k - $50k \| 1.40% → $50k - $245k

Cooperative Federal IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.31%^*	$245k^*	-	48 Month IRA
OTHER TIERS: 2.25% → $1k - $50k \| 2.30% → $50k - $245k
2.31%^*	$245k^*	-	60 Month IRA
OTHER TIERS: 2.25% → $1k - $50k \| 2.30% → $50k - $245k
2.06%^*	$245k^*	-	24 Month IRA
OTHER TIERS: 2.00% → $1k - $50k \| 2.05% → $50k - $245k
2.06%^*	$245k^*	-	36 Month IRA
OTHER TIERS: 2.00% → $1k - $50k \| 2.05% → $50k - $245k
1.46%^*	$245k^*	-	12 Month IRA
OTHER TIERS: 1.40% → $1k - $50k \| 1.45% → $50k - $245k
1.00%^*	$1k^*	-	IRA Shares
OTHER TIERS: 0.05% → $50 - $1k

Locations

Cooperative Federal Locations
Branch Office	401 South Ave (in the Southwest Community Center)	Syracuse, NY 13204
Branch Office	516 Burt St	Syracuse, NY 13202
Corporate Office	1816 Erie Blvd E	Syracuse, NY 13210

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