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 58th largest credit union in the state of New York. It is also the 1,383rd largest credit union in the nation. It was established in 1950 and as of December of 2022, it had grown to 23 employees and 13,595 members at 6 locations. Financial Trust Federal Credit Union's money market rates are 4X the national average, and it boasts 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 - YTD0.9%
Return on Equity - YTD7.41%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$169.7MM$159.3MM
LoansQ4 2022vs Q4 2021$83.5MM$76.4MM
DepositsQ4 2022vs Q4 2021$148.3MM$139.8MM
Equity CapitalQ4 2022vs Q4 2021$20.6MM$19.1MM
Loan Loss AllowanceQ4 2022vs Q4 2021$502.00K$542.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$510.00K$330.00K
Real Estate OwnedQ4 2022vs Q4 2021$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

1.26%*$50k*-IRA Share Account
OTHER TIERS: 0.50% Up to $3k | 0.75% $3k - $20k | 1.00% $20k - $50k
0.10%-$100kHoliday Club
0.10%-$100kVacation Club
0.10%-$100kScotties Club for Kids
0.05%$250-Regular Shares Account

Financial Trust Federal Credit Union Money Market Rates

1.76%$10k-Growth Savings Money Market Account
1.50%$2.5k-Money Market Account

Financial Trust Federal Credit Union CD Rates

4.32%$1k$50k60 Month CD
4.21%$1k$50k48 Month CD
3.55%$1k$50k36 Month CD
3.29%$1k-25 Month CD - Retain Account Only
3.03%$1k-24 Month CD
2.78%$1k-18 Month CD
2.52%$1k-12 Month CD
2.02%$1k-6 Month CD

Financial Trust Federal Credit Union Locations
Branch Office3333 Harlem RdCheektowaga, NY 14225
Branch Office4257 Seneca StWest Seneca, NY 14224
Branch Office2014 Grand Island BlvdGrand Island, NY 14072
Corporate Office6520 Webster RdOrchard Park, NY 14127
Branch Office3291 Lake Shore RdBlasdell, NY 14219
Branch Office604 Main RdIrving, NY 14081

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