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Suffolk Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.suffolkfcu.org
631-924-8000
3681 Horseblock Rd
Medford, NY 11763

Suffolk Federal Credit Union is headquartered in Medford and is the 15th largest credit union in the state of New York. It is also the 260th largest credit union in the nation. It was established in 1967 and as of March of 2025, it had grown to 211 employees and 75,449 members at 10 locations. Suffolk Federal Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Suffolk Federal Credit Union is open to those who live, work, worship, attend school, or regularly conduct business in Nassau County or the towns of Babylon, Brookhaven, Huntington, Islip, Riverhead, Smithtown, or Southold, or the Poospatuck Reservation, Suffolk County, New York. Immediate family members of existing members may also join.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #17914
Year Chartered1967
Employees211
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD4.71%
Annual Interest Income$21MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.93B$1.8B
LoansQ1 2025vs Q1 2024$1.27B$1.17B
DepositsQ1 2025vs Q1 2024$1.73B$1.58B
Equity CapitalQ1 2025vs Q1 2024$113.3MM$93.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.7MM$7.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.3MM$2.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Suffolk Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Suffolk Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*$100*$2.5kYouth Savings
OTHER TIERS: 0.10% → $2.5k+
0.05%$100-Share Savings
0.05%$100-First Time Homebuyers Club
0.05%$100-Save Your Way Account

Suffolk Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$1m*-Insured Money Market
OTHER TIERS: 0.25% → $2.5k - $25k | 0.50% → $25k - $100k | 0.70% → $100k - $250k | 0.75% → $250k - $1m

Suffolk Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$0$20kMomentum Checking
OTHER TIERS: 0.05% → $20k+
0.10%$0-Deluxe Business Checking

Suffolk Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month Certificate
3.50%$500-13 Month Certificate
3.30%$500-24 Month Certificate
3.10%$500-36 Month Certificate
2.75%$500-18 Month Certificate
2.50%$500-48 Month Certificate
2.50%$500-60 Month Certificate
2.10%$10k-11 Month Liquid Certificate
1.70%$500-3 Month Certificate
1.25%$500-12 Month Certificate

Suffolk Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month IRA
3.50%$500-13 Month IRA
3.30%$500-24 Month IRA
3.10%$500-36 Month IRA
2.75%$500-18 Month IRA
2.50%$500-48 Month IRA
2.50%$500-60 Month IRA
1.70%$500-3 Month IRA
1.25%$500-12 Month IRA
0.10%$0-IRA Savings
Locations


Cities: Commack, Eastport, Islandia, Medford, Miller Place, Port Jefferson, Riverhead, Sayville, Southampton, West Babylon

Commack Branches
Branch Office6150 Jericho TpkeCommack, NY 11725-2802

Eastport Branches
Branch Office5 Eastport Manor Rd # 25Eastport, NY 11941-1410

Islandia Branches
Branch Office1282 Motor PkwyIslandia, NY 11749-1405

Medford Branches
Branch Office3681 Horseblock RdMedford, NY 11763-2242

Miller Place Branches
Branch Office691 Route 25AMiller Place, NY 11764-2643

Port Jefferson Branches
Branch Office200 Belle Terre RdPort Jefferson, NY 11777-1928

Riverhead Branches
Branch Office2 Enterprise Zone DrRiverhead, NY 11901-3707

Sayville Branches
Branch Office213 N Main StSayville, NY 11782

Southampton Branches
Branch Office850 County Road 39Southampton, NY 11968

West Babylon Branches
Branch Office50 Route 109 # 110West Babylon, NY 11704-6208

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