Financial Trust Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 59^th largest credit union in the state of New York. It is also the 1,339^th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 26 employees and 13,735 members at 7 locations. Financial Trust Federal Credit Union has an A+ 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.
See current membership details

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	6870
Year Chartered	1950
Employees	26
Primary Regulator

Profit Margin
Return on Assets - YTD	1.54%
Return on Equity - YTD	10.25%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$183.2MM$170.3MM
Loans	Q1 2025vs Q1 2024	$102.2MM$89.1MM
Deposits	Q1 2025vs Q1 2024	$155.6MM$145.4MM
Equity Capital	Q1 2025vs Q1 2024	$27.1MM$24MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$500K$484K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$313K$330K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Financial Trust Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.06%	$1k	-	24 Month 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	2014 Grand Island Blvd	Grand Island, NY 14072
Corporate Office	6520 Webster Rd	Orchard Park, NY 14127
Branch Office	3291 Lake Shore Rd	Blasdell, NY 14219
Branch Office	604 Main Rd	Irving, NY 14081
Branch Office	4040 Baker Rd	Orchard Park, NY 14127

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