Featured Savings Rates
Featured Accounts

School Systems Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.05%5-year CD60 Month Share Certificate
0.20%1-year CD12 Month Share Certificate
0.10%SavingsSummer Share Account

Overview / Commentary
518-286-1611
150 Defreest Dr
Troy, NY 12180

School Systems Federal Credit Union is headquartered in Troy and is the 84th largest credit union in the state of New York. It is also the 1,753rd largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 15 employees and 5,767 members at 2 locations. School Systems Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Averill Park School District, East Greenbush Central School District, Latham Christian Academy, Berlin School District Menands Union-Free School, Albany College of Pharmacy, Siena College, and other select organizations.
See current membership details

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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. School Systems Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #9486
Year Chartered1954
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD3.13%
Annual Interest Income$898.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$83.6MM$81.2MM
LoansQ2 2016vs Q2 2015$31.2MM$31.3MM
DepositsQ2 2016vs Q2 2015$77.3MM$75.1MM
Equity CapitalQ2 2016vs Q2 2015$6.1MM$5.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$48.00K$51.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$581.00K$355.00K
Real Estate OwnedQ2 2016vs Q2 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.

School Systems Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$150k*-Savings Account
OTHER TIERS: 0.10% $2k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.40% $50k - $150k
0.40%*$50k*-Traditional Individual Retirement Account
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.10%--Regular Savings Account
0.10%--Summer Share Account
0.10%--Vacation Share Account
0.10%--Holiday Club Account

School Systems Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$150k*-Money Market Checking
OTHER TIERS: 0.10% $2k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.40% $50k - $150k

School Systems Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$500-60 Month Share Certificate
0.95%$500-48 Month Share Certificate
0.65%$500-36 Month Share Certificate
0.50%$500-15 Month Share Certificate Special
0.45%$500-24 Month Share Certificate
0.45%$500-30 Month Share Certificate
0.40%$500-18 Month Share Certificate
0.20%$500-12 Month Share Certificate
0.15%$500-3 Month Share Certificate
0.15%$500-6 Month Share Certificate
Locations


School Systems Federal Credit Union Locations
Branch Office325 Washington Avenue ExtAlbany, NY 12205-5581
Branch Office150 Defreest DrTroy, NY 12180