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Leatherstocking Region Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD60 Month Share Certificate
0.50%1-year CD12-23 Month Share Certificate
0.03%SavingsShare Savings

Overview / Commentary
877-378-6466
24 Glen Ave
Cooperstown, NY 13326-1122

Leatherstocking Region Federal Credit Union is headquartered in Cooperstown and is the 118th largest credit union in the state of New York. It is also the 2,417th largest credit union in the nation. It was established in 1977 and as of March of 2016, it had grown to 10 employees and 4,527 members at 1 location. Leatherstocking Region Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Otsego County, New York.
See current membership details

Reviews (1)

Competitive with other Banks, Friendly with Customers

Posted by: NewInTown | Nov 14, 2014

We chose to move our bank accounts to Leatherstocking Credit Union when we moved to New York State because we wanted the experience of knowing the people at our bank. We were tired of dealing with huge national banks and having to explain everything to a different person every time we called.

We were pleasantly surprised to discover that Leatherstocking offers competitive products with reasonable fees for checking, savings, and loans. We were also grateful for the friendly atmosphere in the bank. Last Saturday they had a bowl of fresh apples out for everyone to share.

The only drawback to working with this credit union so far is the web site. It works, in the sense that it's possible to figure out how to make it do what you want, but it's clunky and not very intuitive. For example, when you go to bill pay, you can't get back to the home page directly.

Overall, we are grateful to be part of the Leatherstocking Credit Union. We would recommend it to anyone in the region.



Health
B+
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. Leatherstocking Region Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #22625
Year Chartered1977
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD8.29%
Annual Interest Income$318.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$45.6MM$44.2MM
LoansQ1 2016vs Q1 2015$20.5MM$20.0MM
DepositsQ1 2016vs Q1 2015$41.2MM$40.1MM
Equity CapitalQ1 2016vs Q1 2015$4.3MM$4.0MM
Loan Loss AllowanceQ1 2016vs Q1 2015$74.00K$137.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$168.00K$251.00K
Real Estate OwnedQ1 2016vs Q1 2015$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.

Leatherstocking Region Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*-Preferred Savings
OTHER TIERS: 0.03% $10k - $25k
0.03%$500-Share Savings
0.03%$500$5kIRA Shares
0.03%$500$5kRoth IRA Shares
0.03%$500$5kCoverdell Education Savings Shares
0.03%$500$5kSEP IRA Shares

Leatherstocking Region Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$2,500-Money Market Account

Leatherstocking Region Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month Share Certificate
1.25%$1k-48-59 Month Share Certificate
1.00%$1k-36-47 Month Share Certificate
0.75%$1k-24-35 Month Share Certificate
0.50%$25-12 Month Smart Start Certificate
0.50%$1k-12-23 Month Share Certificate
0.20%$1k-6-11 Month Share Certificate

Leatherstocking Region Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k$5k60 Month IRA Certificate
1.25%$1k$5k48 Month IRA Certificate
0.75%$1k$5k24 Month IRA Certificate
0.50%$25$5k12 Month Roth IRA Start Smart Certificate
Locations


Leatherstocking Region Federal Credit Union Locations
Branch Office24 Glen AveCooperstown, NY 13326-1122