NY TEAM Federal Credit Union Reviews and Rates

NY TEAM Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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

teamfcu.org

516-822-1070

65 Broadway
Hicksville, NY 11801

NY TEAM Federal Credit Union is headquartered in Ronkonkoma and is the 140^th largest credit union in the state of New York. It is also the 2,587^th largest credit union in the nation. It was established in 1969 and as of March of 2025, it had grown to 14 employees and 5,192 members at 4 locations. NY TEAM Federal Credit Union's CD rates are 4X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in NY TEAM Federal Credit Union is open to employees or members of the Long Island Rail Road Company, Metropolitan Transportation Authority, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC, and White Rose. Any employee of a Credit Union Trade Association, including the NY TEAM Federal Credit Union, N.Y. Credit Union League, Credit Union National Association in Washington, and employees of the National Association of Federal Credit Unions also qualify for membership. Any relative, by blood or marriage, of any current NY TEAM Federal Credit Union member, no matter where they live or work, may join.
See current membership details

Reviews

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Health

C+

Data as of Q1 2025

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. NY TEAM Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	19216
Year Chartered	1969
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	7.27%
Annual Interest Income	$566K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$42.2MM$41.7MM
Loans	Q1 2025vs Q1 2024	$23MM$21.1MM
Deposits	Q1 2025vs Q1 2024	$39.5MM$39.5MM
Equity Capital	Q1 2025vs Q1 2024	$2.6MM$2.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$331K$231K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$171K$83K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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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Savings
Money Market
CD
IRA

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

NY TEAM Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%^*	$0	$2.5k	Educational Club
OTHER TIERS: 0.05% → $2.5k+
2.53%^*	$0	$1k	Youth Savings Account
OTHER TIERS: 0.05% → $1k+
0.05%	$2.5k	-	Share Account
0.05%	$2.5k	-	Vacation Club
0.05%	$2.5k	-	Holiday Club

NY TEAM Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.25% → $2.5k - $25k \| 0.50% → $25k - $100k

NY TEAM Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.40%	$1k	-	6 Month CD Special-New Money
4.20%	$1k	$100k	9 Month CD
4.00%	$1k	$100k	12 Month CD
3.75%	$1k	$100k	6 Month CD
3.50%	$1k	$100k	3 Month CD
3.00%	$1k	$100k	16 Month CD
3.00%	$1k	$100k	18 Month CD
2.75%	$1k	$100k	24 Month CD
2.50%	$1k	$100k	30 Month CD
2.50%	$1k	$100k	36 Month CD
2.50%	$1k	$100k	48 Month CD
2.50%	$1k	$100k	60 Month CD

NY TEAM Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	$100k	12 Month IRA
2.75%	$1k	$100k	24 Month IRA
2.50%	$1k	$100k	36 Month IRA
0.05%	$2.5k	-	IRA Share

Locations

NY TEAM Federal Credit Union Locations
Branch Office	14601 Archer Ave	Jamaica, NY 11435-4311
Branch Office	9359 183rd St	Hollis, NY 11423-2323
Corporate Office	4155 Veterans Memorial Hwy Ste 7	Ronkonkoma, NY 11779
Branch Office	9359 183rd St	Hollis, NY 11423

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