Directors Choice Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.46%	5-year CD	60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD
0.55%	1-year CD	12 Month Step-Up Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.10%	Savings	Choice Share Savings 1.00% - Ally Bank Online Savings Account

View all Directors Choice Credit Union rates »

Overview / Commentary

www.directorschoicecu.com

800-593-5920

1 South Family Drive
Albany, NY 12205

Directors Choice Credit Union is headquartered in Albany and is the 259^th largest credit union in the state of New York. It is also the 4,566^th largest credit union in the nation. It was established in 1999 and as of June of 2016, it had grown to 1 employees and 776 members at 1 location. Directors Choice Credit Union 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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Health

B

Data as of Q2 2016

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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

Overall
NCUA #	68420
Year Chartered	1999
Employees	1
Primary Regulator

Profit Margin
Return on Assets - YTD	1.4%
Return on Equity - YTD	8.44%
Annual Interest Income	$125.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$7.5MM$7.0MM
Loans	Q2 2016vs Q2 2015	$6.0MM$5.2MM
Deposits	Q2 2016vs Q2 2015	$6.2MM$5.9MM
Equity Capital	Q2 2016vs Q2 2015	$1.2MM$1.1MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$14.00K$19.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$45.00K$36.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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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

APY	MIN	MAX	ACCOUNT NAME
0.10%	$25	-	Choice Share Savings
0.10%	$25	-	Young Saver Choice Share
0.10%	$25	-	Holiday Club
0.10%	$25	-	Auto Club Account
0.10%	$25	-	Vacation Club
0.05%	$25	-	Traditional IRA Account
0.05%	$25	-	Tax-Free Roth IRA
0.05%	$25	-	Education IRA Account

Directors Choice Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Tiered Money Market Savings
OTHER TIERS: 0.15% → $2k - $10k \| 0.20% → $10k - $25k

Directors Choice Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.46%	$500	-	60 Month Share Certificate
1.21%	$500	-	48 Month Share Certificate
1.05%	$500	-	36 Month Share Certificate
0.80%	$500	-	24 Month Share Certificate
0.80%	$500	-	24 Month Add On Certificate
0.75%	$500	-	18 Month Share Certificate
0.55%	$500	-	12 Month Share Certificate
0.55%	$500	-	12 Month Step-Up Share Certificate
0.30%	$500	-	6 Month Share Certificate

Directors Choice Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.46%	$500	-	60 Month Education IRA Certificate
1.46%	$500	-	60 Month IRA Certificate
1.46%	$500	-	60 Month Roth IRA Certificate
1.21%	$500	-	48 Month Education IRA Certificate
1.21%	$500	-	48 Month IRA Certificate
1.21%	$500	-	48 Month Roth IRA Certificate
1.05%	$500	-	36 Month IRA Certificate
1.05%	$500	-	36 Month Roth IRA Certificate
1.05%	$500	-	36 Month Education IRA Certificate
0.80%	$500	-	24 Month IRA Certificate
0.80%	$500	-	24 Month Roth IRA Certificate
0.80%	$500	-	24 Month Education IRA Certificate
0.75%	$500	-	18 Month IRA Certificate
0.75%	$500	-	18 Month Roth IRA Certificate
0.75%	$500	-	18 Month Education IRA Certificate
0.55%	$500	-	12 Month IRA Certificate
0.55%	$500	-	12 Month Roth IRA Certificate
0.55%	$500	-	12 Month Education IRA Certificate

Locations

Directors Choice Credit Union Locations
Branch Office	1 South Family Drive	Albany, NY 12205