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Hoosick Federal Credit Union

Popular Accounts at this Credit Union

1.75%5-year CD60 Month Share Certificate
0.50%1-year CD12 - 23 Month Share Certificate
0.15%SavingsRegular Savings Account

Overview / Commentary
28 Church St
Hoosick Falls, NY 12090-1644

Hoosick Federal Credit Union is headquartered in Hoosick Falls and is the 173rd largest credit union in the state of New York. It is also the 3,293rd largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 6 employees and 2,571 members at 1 location. Hoosick Federal Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the towns of Hoosick, Berlin, Pittstown, Grafton, Petersburgh, Stephentown, New York. Membership is also open to employees of Strato, Inc. who work in Hoosick or Eagle Bridge, New York.
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. Hoosick Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8885
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD1.56%
Annual Interest Income$729.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$22.4MM$21.9MM
LoansQ4 2016vs Q4 2015$12.0MM$10.5MM
DepositsQ4 2016vs Q4 2015$19.2MM$18.9MM
Equity CapitalQ4 2016vs Q4 2015$3.1MM$3.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$21.00K$17.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.00K$53.00K
Real Estate OwnedQ4 2016vs Q4 2015$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.

Hoosick Federal Credit Union Savings Account Rates

0.80%--IRA Savings Account
0.20%--Other Savings Account
0.15%--Regular Savings Account

Hoosick Federal Credit Union Money Market Rates

0.90%*$100k*-Money Market
OTHER TIERS: 0.25% $2,500 - $50k | 0.30% $50k - $100k

Hoosick Federal Credit Union CD Rates

1.75%$500-60 Month Share Certificate
1.25%$500-24 - 35 Month Share Certificate
1.25%$500-36 - 47 Month Share Certificate
1.25%$500-48 - 59 Month Share Certificate
0.50%$500-6 - 11 Month Share Certificate
0.50%$500-12 - 23 Month Share Certificate

Hoosick Federal Credit Union IRA Rates

1.75%$500-60 Month IRA Certificate
1.25%$500-24 - 35 Month IRA Certificate
1.25%$500-36 - 47 Month IRA Certificate
1.25%$500-48 - 59 Month IRA Certificate
0.50%$500-6 - 11 Month IRA Certificate
0.50%$500-12 - 23 Month IRA Certificate

Hoosick Federal Credit Union Locations
Branch Office28 Church StHoosick Falls, NY 12090-1644