Overview / Commentary
3031 William St
Cheektowaga, NY 14227

Crossroads Community Federal Credit Union is headquartered in Cheektowaga and is the 96th largest credit union in the state of New York. It is also the 2,000th largest credit union in the nation. It was established in 1938 and as of December of 2018, it had grown to 12 employees and 6,947 members at 2 locations. Crossroads Community Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer, or go to school in Amherst, Blasdell, Buffalo, Cheektowaga, Clarence, Depew, East Aurora, Elma, Grand Island, Hamburg, Kenmore, Lackawanna, Lancaster, Orchard Park, Tonawanda, West Seneca, and Williamsville, New York and immediate family of existing members.
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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. Crossroads Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #2508
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD4.36%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$68.3MM$67.5MM
LoansQ4 2018vs Q4 2017$23.2MM$24.4MM
DepositsQ4 2018vs Q4 2017$59.4MM$59.0MM
Equity CapitalQ4 2018vs Q4 2017$8.5MM$8.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$105.00K$86.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$15.00K$35.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Crossroads Community Federal Credit Union Savings Account Rates

0.60%$50-IRA Savings
0.45%$200-Share Account

Crossroads Community Federal Credit Union Money Market Rates

0.65%*$50k*- Money Market Share Account
OTHER TIERS: 0.45% $2.5k - $10k | 0.55% $10k - $50k

Crossroads Community Federal Credit Union CD Rates

2.47%$1k-60 Month Share Certificate
2.42%$1k-48 Month Share Certificate
2.37%$1k-36 Month Share Certificate
2.22%$1k-24 Month Share Certificate
2.01%$1k-18 Month Share Certificate
1.91%$1k-12 Month Share Certificate
1.76%$1k-9 Month Share Certificate
1.66%$1k-6 Month Share Certificate

Crossroads Community Federal Credit Union IRA Rates

2.47%$1k-60 Month IRA Share Certificate
2.42%$1k-48 Month IRA Share Certificate
2.37%$1k-36 Month IRA Share Certificate
2.22%$1k-24 Month IRA Share Certificate
2.01%$1k-18 Month IRA Share Certificate
1.91%$1k-12 Month IRA Share Certificate
1.76%$1k-9 Month IRA Share Certificate
1.66%$1k-6 Month IRA Share Certificate

Crossroads Community Federal Credit Union Locations
Branch Office3031 William StCheektowaga, NY 14227
Branch Office971 Kenmore AveKenmore, NY 14217

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