Directors Choice Credit Union

Overview / Commentary
1 South Family Drive
Albany, NY 12205

Directors Choice Credit Union is headquartered in Albany and is the 233rd largest credit union in the state of New York. It is also the 4,053rd largest credit union in the nation. It was established in 1999 and as of December of 2018, it had grown to 3 employees and 850 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 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.
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 very low asset base.

Health Grade Components

NCUA #68420
Year Chartered1999
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD8.03%
Annual Interest Income$311.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$9.9MM$9.6MM
LoansQ4 2018vs Q4 2017$7.9MM$6.3MM
DepositsQ4 2018vs Q4 2017$8.4MM$8.2MM
Equity CapitalQ4 2018vs Q4 2017$1.5MM$1.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$68.00K$41.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$115.00K$142.00K
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.

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

3.04%$500-48 Month Share Certificate
2.32%$500-18 Month Share Certificate
2.02%$500-60 Month Share Certificate
1.76%$500-36 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

3.04%$500-48 Month IRA Certificate
2.32%$500-18 Month IRA Certificate
2.02%$500-60 Month IRA Certificate
1.76%$500-36 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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