Overview / Commentary
1 South Family Drive
Albany, NY 12205

Directors Choice Credit Union is headquartered in Albany and is the 242nd largest credit union in the state of New York. It is also the 4,210th largest credit union in the nation. It was established in 1999 and as of September of 2018, it had grown to 3 employees and 840 members at 1 location. Directors Choice Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Directors Choice Credit Union of New York is open to the member funeral firms, the owners, and the employees of these credit union affiliated Associations: New York State Funeral Directors, Connecticut Funeral Directors, North Carolina Funeral Directors, Wyoming Funeral Directors, Indiana Funeral Directors, New Jersey Funeral Directors, Massachusetts Funeral Directors, and Montana Funeral Directors along with their family 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. Directors Choice Credit Union has a very low asset base.

Health Grade Components

NCUA #68420
Year Chartered1999
Primary Regulator
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD8.37%
Annual Interest Income$225.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$8.8MM$8.8MM
LoansQ3 2018vs Q3 2017$7.0MM$6.4MM
DepositsQ3 2018vs Q3 2017$7.3MM$7.5MM
Equity CapitalQ3 2018vs Q3 2017$1.5MM$1.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$60.00K$34.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$120.00K$130.00K
Real Estate OwnedQ3 2018vs Q3 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.

Directors Choice Credit Union Savings Account Rates

0.30%$25-Choice Share Savings
0.30%$25-Young Saver Choice Share
0.30%$25-Holiday Club
0.30%$25-Auto Club Account
0.30%$25-Vacation Club
0.30%$25-IRA Savings

Directors Choice Credit Union Money Market Rates

0.95%*$25k*-Tiered Money Market Savings
OTHER TIERS: 0.75% $2k - $10k | 0.85% $10k - $25k

Directors Choice Credit Union CD Rates

2.53%$500-60 Month Share Certificate
2.48%$500-48 Month Share Certificate
2.43%$500-36 Month Share Certificate
2.38%$500-24 Month Share Certificate
2.38%$500-24 Month Add On Certificate
2.32%$500-18 Month Share Certificate
2.27%$500-12 Month Share Certificate
2.27%$500-12 Month Step-Up Share Certificate
1.16%$500-6 Month Share Certificate

Directors Choice Credit Union IRA Rates

2.53%$500-60 Month IRA Certificate
2.48%$500-48 Month IRA Certificate
2.43%$500-36 Month IRA Certificate
2.38%$500-24 Month IRA Certificate
2.32%$500-18 Month IRA Certificate
2.27%$500-12 Month IRA Certificate

Directors Choice Credit Union Locations
Branch Office1 South Family DriveAlbany, NY 12205

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