Financial Trust Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	5-year CD	60 Month CD 2.90% - Goldman Sachs Bank USA High-yield 5 Year CD
0.30%	1-year CD	12 Month CD 1.80% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Regular Shares Account 1.65% - Barclays 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 Orchard Park and is the 92^nd largest credit union in the state of New York. It is also the 1,857^th largest credit union in the nation. It was established in 1950 and as of March of 2018, it had grown to 17 employees and 8,801 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.
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Health

A

Data as of Q1 2018

Learn why bank health matters

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	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	7.27%
Annual Interest Income	$617.00K

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$78.3MM$75.7MM
Loans	Q1 2018vs Q1 2017	$49.6MM$46.1MM
Deposits	Q1 2018vs Q1 2017	$68.4MM$66.6MM
Equity Capital	Q1 2018vs Q1 2017	$9.6MM$9.0MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$289.00K$223.00K
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$186.00K$384.00K
Real Estate Owned	Q1 2018vs Q1 2017	$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
0.10%	$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
1.70%	$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

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
Corporate Office	6520 Webster Rd	Orchard Park, NY 14127

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