Financial Trust Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.26%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.30%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.10%	Savings	Regular Shares Account 1.00% - Ally Bank Online Savings Account

View all Financial Trust Federal Credit Union rates »

Overview / Commentary

financialtrustfederalcreditunion.com

716-831-3007

3333 Harlem Rd
Cheektowaga, NY 14225

Financial Trust Federal Credit Union is headquartered in Cheektowaga and is the 95^th largest credit union in the state of New York. It is also the 1,912^th largest credit union in the nation. It was established in 1950 and as of June of 2016, it had grown to 16 employees and 8,661 members at 6 locations. Financial Trust Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the West Seneca Central School, Town of Seneca, Rich Products, the Teamsters, UAW or other select group.
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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. Financial Trust Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	6870
Year Chartered	1950
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.39%
Return on Equity - YTD	3.19%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$72.0MM$68.1MM
Loans	Q2 2016vs Q2 2015	$43.7MM$41.4MM
Deposits	Q2 2016vs Q2 2015	$63.2MM$59.6MM
Equity Capital	Q2 2016vs Q2 2015	$8.6MM$8.3MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$154.00K$126.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$507.00K$320.00K
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.

Financial Trust Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	IRA Share Account
OTHER TIERS: 0.35% → Up to $3k \| 0.40% → $3k - $20k \| 0.45% → $20k - $50k
0.50%^*	$50k^*	-	Roth IRA Shares Account
OTHER TIERS: 0.35% → Up to $3k \| 0.40% → $3k - $20k \| 0.45% → $20k - $50k
0.50%^*	$50k^*	-	CESA Share Account
OTHER TIERS: 0.35% → Up to $3k \| 0.40% → $3k - $20k \| 0.45% → $20k - $50k
0.10%	$250	-	Regular Shares Account
0.10%	-	$100k	Club Account

Financial Trust Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	Growth Savings Money Market Account
OTHER TIERS: 0.15% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k
0.15%	$2,500	-	Money Market Account

Financial Trust Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$10k	$100k	60 Month CD
1.00%	$10k	$100k	48 Month CD
0.90%	$10k	$50k	25 Month - Retain Account Only Special
0.80%	$10k	$100k	36 Month CD
0.75%	$10k	$50k	24 Month Special CD Special
0.70%	$1k	$100k	25 Month CD - Retain Account Only
0.50%	$1k	$100k	24 Month Special CD
0.50%	$500	-	24 Month Special Youth CD
0.50%	$500	-	24 Month Special Young Adult CD
0.40%	$1k	$100k	18 Month CD
0.30%	$1k	$100k	12 Month CD
0.30%	$500	-	12 Month Youth CD
0.30%	$500	-	12 Month Young Adult CD
0.20%	$1k	$100k	6 Month CD
0.20%	$500	-	6 Month Youth CD
0.20%	$500	-	6 Month Young Adult CD

Locations

Financial Trust Federal Credit Union Locations
Branch Office	3333 Harlem Rd	Cheektowaga, NY 14225
Branch Office	4257 Seneca St	West Seneca, NY 14224
Branch Office	1 Robert Rich Way	Buffalo, NY 14213
Branch Office	4040 Baker Rd	Orchard Park, NY 14127
Branch Office	3735 N Buffalo St	Orchard Park, NY 14127
Branch Office	2014 Grand Island Blvd	Grand Island, NY 14072