Directors Choice Credit Union

Overview / Commentary
1 South Family Drive
Albany, NY 12205

Directors Choice Credit Union is headquartered in Albany and is the 224th largest credit union in the state of New York. It is also the 3,921st largest credit union in the nation. It was established in 1999 and as of September of 2019, it had grown to 2 employees and 859 members at 1 location. Directors Choice Credit Union's CD rates are 40% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Directors Choice Credit Union of New York is open to members in good standing, whether individual or business, including their employees and family members, of a national, state or local funeral service trade association. Livery companies associated with the funeral service profession and can demonstrate an ongoing business relationship with a member of such an association are also eligible to join.
See current membership details


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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 low asset base.

Health Grade Components

NCUA #68420
Year Chartered1999
Primary Regulator
Profit Margin
Return on Assets - YTD1.21%
Return on Equity - YTD8.59%
Annual Interest Income$301.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$11.1MM$8.8MM
LoansQ3 2019vs Q3 2018$9.0MM$7.0MM
DepositsQ3 2019vs Q3 2018$9.5MM$7.3MM
Equity CapitalQ3 2019vs Q3 2018$1.6MM$1.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$81.00K$60.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$94.00K$120.00K
Real Estate OwnedQ3 2019vs Q3 2018$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

0.15%$25-Choice Share Savings
0.15%$25-Young Saver Choice Share
0.15%$25-Holiday Club
0.15%$25-Auto Club Account
0.15%$25-Vacation Club
0.15%$25-IRA Savings

Directors Choice Credit Union Money Market Rates

0.60%*$25k*-Tiered Money Market Savings
OTHER TIERS: 0.40% $2k - $10k | 0.50% $10k - $25k

Directors Choice Credit Union CD Rates

2.17%$500-60 Month Share Certificate
2.12%$500-48 Month Share Certificate
2.07%$500-36 Month Share Certificate
2.02%$500-18 Month Share Certificate
1.51%$500-24 Month Share Certificate
1.51%$500-24 Month Add On Certificate
1.26%$500-12 Month Share Certificate
1.26%$500-12 Month Step-Up Share Certificate
1.00%$500-6 Month Share Certificate

Directors Choice Credit Union IRA Rates

2.17%$500-60 Month IRA Certificate
2.12%$500-48 Month IRA Certificate
2.07%$500-36 Month IRA Certificate
2.02%$500-18 Month IRA Certificate
1.51%$500-24 Month IRA Certificate
1.26%$500-12 Month IRA Certificate

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

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