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Beginnings Credit Union

Beginnings Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
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.beginnings.com
607-257-8500
1030 Craft Road
Ithaca, NY 14850-1016

Field of Membership Restrictions

Membership in CFCU Community Credit Union is open to those who live, work, worship, attend school, or maintain a business in the New York counties of Cayuga, Courtland, Madison, Onondaga, Ontario, Seneca, or Tompkins. Anyone affiliated with any of more than 150 Select Employer Groups is also eligible to join. Family members of any membership-eligible individual qualify of membership.
See current membership details

Reviews (1)

Changing Its Name!

Posted by: |

Since 1953, CFCU Community Credit Union has served as a source of financial strength, making a positive difference in the lives of members and communities throughout the Finger Lakes Region. However, in the decades since, the meaning of our acronym “CFCU” has evolved multiple times, causing confusion and diluting its power. It’s time we have a strong, unified brand that reflects the reality of who we are today, and shines light on our personal approach to banking. Our new name, Beginnings Credit Union, communicates our commitment to connecting people with better financial opportunities that unlock everyday possibilities. Beginnings represents a bright new day for our credit union, while moving us into a future focused on empowering all people to achieve financial wellbeing. After months of careful consideration and extensive research through focus groups and surveys, we can’t wait to share it with you.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68322
Year Chartered1953
Employees229
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD1.71%
Annual Interest Income$15.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.45B$1.44B
LoansQ1 2025vs Q1 2024$1.01B$1.04B
DepositsQ1 2025vs Q1 2024$1.25B$1.24B
Equity CapitalQ1 2025vs Q1 2024$185MM$174.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.9MM$11.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.7MM$9.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Beginnings Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Savings Account
0.05%$100-Business Savings Accounts
0.05%$100-Goal Savings Account
0.05%$100-Dream Home Club
0.05%$100-Membership Savings

Beginnings Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Money Market Accounts
OTHER TIERS: 0.30% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k
0.75%*$100k*-Business Money Market Account
OTHER TIERS: 0.30% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k

Beginnings Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$0$10kHigh Yield Checking - Qualifying
OTHER TIERS: 0.35% → $10k+
0.12%*$100k*-Business Reward Checking
OTHER TIERS: 0.05% → $1k - $25k | 0.08% → $25k - $50k | 0.10% → $50k - $100k
0.03%$1k-Transformation Checking
0.02%$1k-Business Checking

Beginnings Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$100k*-6 Month Share Certificate Plus
OTHER TIERS: 3.75% → $500 - $25k | 3.80% → $25k - $100k
3.90%*$100k*-12 Month Share Certificate Plus
OTHER TIERS: 3.75% → $500 - $25k | 3.80% → $25k - $100k
3.90%*$100k*-24 Month Share Certificate Plus
OTHER TIERS: 3.75% → $500 - $25k | 3.80% → $25k - $100k
3.75%$25-12 Month Lucky Savers Certificate
3.60%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
3.60%*$100k*-3 Month Share Certificate Plus
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
3.60%*$100k*-36 Month Share Certificate Plus
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
3.60%*$100k*-48 Month Share Certificate Plus
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k

Beginnings Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$100k*-6 Month IRA Certificate Plus
OTHER TIERS: 3.75% → $500 - $25k | 3.80% → $25k - $100k
3.90%*$100k*-12 Month IRA Certificate Plus
OTHER TIERS: 3.75% → $500 - $25k | 3.80% → $25k - $100k
3.90%*$100k*-24 Month IRA Certificate Plus
OTHER TIERS: 3.75% → $500 - $25k | 3.80% → $25k - $100k
3.60%*$100k*-60 Month IRA Share Certificate
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
3.60%*$100k*-3 Month IRA Certificate Plus
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
3.60%*$100k*-36 Month IRA Certificate Plus
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
3.60%*$100k*-48 Month IRA Certificate Plus
OTHER TIERS: 3.40% → $500 - $25k | 3.50% → $25k - $100k
1.75%$100-IRA Savings Account
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