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Overview / Commentary
3333 Harlem Rd
Cheektowaga, NY 14225

Financial Trust Federal Credit Union is headquartered in Orchard Park and is the 91st largest credit union in the state of New York. It is also the 1,860th largest credit union in the nation. It was established in 1950 and as of December of 2017, it had grown to 17 employees and 8,785 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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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

NCUA #6870
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.55%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$76.2MM$73.2MM
LoansQ4 2017vs Q4 2016$49.9MM$45.1MM
DepositsQ4 2017vs Q4 2016$66.5MM$64.0MM
Equity CapitalQ4 2017vs Q4 2016$9.4MM$8.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$265.00K$130.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$318.00K$361.00K
Real Estate OwnedQ4 2017vs Q4 2016$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

0.50%*$50k*-IRA 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%-$100kClub Account

Financial Trust Federal Credit Union Money Market Rates

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

1.70%$1k-25 Month CD - Retain Account Only
1.60%$1k-24 Month CD Special (New Money)
1.25%$1k-60 Month CD
1.00%$1k-48 Month CD
0.80%$1k-36 Month CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD

Financial Trust Federal Credit Union Locations
Branch Office3333 Harlem RdCheektowaga, NY 14225
Branch Office4257 Seneca StWest Seneca, NY 14224
Branch Office1 Robert Rich WayBuffalo, NY 14213
Branch Office4040 Baker RdOrchard Park, NY 14127
Branch Office3735 N Buffalo StOrchard Park, NY 14127
Branch Office2014 Grand Island BlvdGrand Island, NY 14072
Corporate Office6520 Webster RdOrchard Park, NY 14127