Featured Savings Rates
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Financial Trust Federal Credit Union

Popular Accounts at this Credit Union

1.26%5-year CD60 Month CD
0.30%1-year CD12 Month CD
0.10%SavingsRegular Shares Account

Overview / Commentary
3333 Harlem Rd
Cheektowaga, NY 14225

Financial Trust Federal Credit Union is headquartered in Cheektowaga and is the 92nd largest credit union in the state of New York. It is also the 1,872nd largest credit union in the nation. It was established in 1950 and as of June of 2017, it had grown to 18 employees and 8,741 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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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 - YTD0.58%
Return on Equity - YTD4.86%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$76.6MM$72.0MM
LoansQ2 2017vs Q2 2016$47.6MM$43.7MM
DepositsQ2 2017vs Q2 2016$67.3MM$63.2MM
Equity CapitalQ2 2017vs Q2 2016$9.1MM$8.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$243.00K$154.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$274.00K$507.00K
Real Estate OwnedQ2 2017vs Q2 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

1.51%$10k-60 Month CD Special
1.26%$10k$100k60 Month CD
1.26%$10k-48 Month CD Special
1.25%$1k-24 Month CD Special (New Money)
1.25%$500-24 Month Young Adult CD Special
1.25%$500-24 Month Youth CD Special
1.16%$10k-36 Month CD Specail
1.00%$10k$100k48 Month CD
0.90%$10k$50k25 Month CD - Retain Account Only Special
0.80%$10k$100k36 Month CD
0.75%$10k-24 Month CD Special
0.70%$1k$100k25 Month CD - Retain Account Only
0.50%$1k$100k24 Month CD
0.50%$500-24 Month Youth CD
0.50%$500-24 Month Young Adult CD
0.50%$10k-12 Month CD Special
0.40%$1k$100k18 Month CD
0.30%$1k$100k12 Month CD
0.30%$500-12 Month Youth CD
0.30%$500-12 Month Young Adult CD
0.20%$1k$100k6 Month CD
0.20%$500-6 Month Youth CD
0.20%$500-6 Month Young Adult 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