Financial Trust Federal Credit Union

Overview / Commentary
3333 Harlem Rd
Cheektowaga, NY 14225

Financial Trust Federal Credit Union is headquartered in Cheektowaga and is the 66th largest credit union in the state of New York. It is also the 1,479th largest credit union in the nation. It was established in 1950 and as of March of 2020, it had grown to 26 employees and 13,924 members at 6 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 Grade Components

NCUA #6870
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD8.18%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$125.5MM$80.9MM
LoansQ1 2020vs Q1 2019$71.2MM$51.5MM
DepositsQ1 2020vs Q1 2019$108.9MM$69.9MM
Equity CapitalQ1 2020vs Q1 2019$16.3MM$10.7MM
Loan Loss AllowanceQ1 2020vs Q1 2019$428.00K$211.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$327.00K$44.00K
Real Estate OwnedQ1 2020vs Q1 2019$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.

Financial Trust Federal Credit Union Savings Account Rates

0.40%*$50k*-IRA Share Account
OTHER TIERS: 0.10% Up to $3k | 0.20% $3k - $20k | 0.30% $20k - $50k
0.10%$250-Regular Shares Account
0.10%-$100kHoliday Club
0.10%-$100kVacation Club
0.10%-$100kScotties Club for Kids

Financial Trust Federal Credit Union Money Market Rates

0.40%$10k-Growth Savings Money Market Account
0.30%$2.5k-Money Market Account

Financial Trust Federal Credit Union CD Rates

1.76%$50k-60 Month Jumbo CD
1.51%$50k-48 Month Jumbo CD
1.41%$50k-36 Month Jumbo CD
1.36%$1k$50k60 Month CD
1.26%$1k$50k48 Month CD
1.16%$1k$50k36 Month CD
1.00%$1k-25 Month CD - Retain Account Only
0.65%$1k-24 Month CD
0.50%$1k-18 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD

Financial Trust Federal Credit Union Locations
Branch Office3333 Harlem RdCheektowaga, NY 14225
Branch Office4257 Seneca StWest Seneca, NY 14224
Branch Office3735 N Buffalo StOrchard Park, NY 14127
Branch Office2014 Grand Island BlvdGrand Island, NY 14072
Corporate Office6520 Webster RdOrchard Park, NY 14127
Branch Office3291 Lake Shore RdBlasdell, NY 14219

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