Scient Federal Credit Union

Overview / Commentary
60 Colver Ave
Groton, CT 06340

Scient Federal Credit Union is headquartered in Groton and is the 11th largest credit union in the state of Connecticut. It is also the 981st largest credit union in the nation. It was established in 1983 and as of December of 2020, it had grown to 44 employees and 20,705 members at 10 locations. Scient Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Scient Federal Credit Union is open to all residents of Connecticut, Massachusetts, New York, and Rhode Island by being a member of the American Consumer Council (ACC). Individuals who live, work, worship, or attend school in any of twelve Census tracts in New London County, CT also qualify for membership. Employees and retirees (and their immediate family members) of more than 90 SEGs are eligible for membership.
See current membership details

Reviews (1)

Change Maker Savings Account Is Just Click Bait

The Change maker Savings account can only be funded by using their debit card. Each purchase is rounded up to the next dollar and the pennies difference funds the account.


Health Grade Components

NCUA #24029
Year Chartered1983
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.83%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$272.6MM$253.2MM
LoansQ4 2020vs Q4 2019$224.9MM$225.8MM
DepositsQ4 2020vs Q4 2019$243.3MM$226.3MM
Equity CapitalQ4 2020vs Q4 2019$25.3MM$23.7MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.2MM$1.5MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$128.00K$329.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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Always verify rates and promotions with the bank or credit union. We are not Scient 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.

Scient Federal Credit Union Savings Account Rates

1.00%--Change Maker Savings Account
0.10%--Traditional IRA Share Savings
0.10%--Roth IRA Share Savings
0.10%--Coverdell Educational Share Savings
0.05%$5-Regular Savings
0.05%--Miscellaneous Club
0.05%--Christmas Club Account
0.05%--Tax Club Account
0.05%--Vacation Club Account
0.05%--All Purpose Club

Scient Federal Credit Union Money Market Rates

0.30%*$100k*$250kPremium Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $100k | 0.20% $250k+
0.20%*$250k*-Money Market
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $75k | 0.15% $75k - $250k

Scient Federal Credit Union Checking Account Rates

0.10%$2.5k-Interest Checking

Scient Federal Credit Union CD Rates

0.75%$500-60 Month Term Certificate
0.65%$500-48 Month Term Certificate
0.60%$500-36 Month Term Certificate
0.40%$500-24 Month Term Certificate
0.30%$500-12 Month Term Certificate
0.25%$500-9 Month Term Certificate
0.20%$500-6 Month Term Certificate
0.15%$500-3 Month Term Certificate

Scient Federal Credit Union IRA Rates

0.85%$500-60 Month IRA
0.75%$500-48 Month IRA
0.75%$1k$250k24 Month IRA Special - New Money
0.70%$500-36 Month IRA
0.60%$1k$250k12 Month IRA Special - New Money
0.50%$500-24 Month IRA
0.30%$500-12 Month IRA

Cities: Andover, Cambridge, Groton, Madison, New Haven, Parsippany, San Diego, South San Francisco

Andover Branches
Branch Office1 Burtt Rd Bldg FAndover, MA 01810
Branch Office66 Lowell Junction Rd Bldg JAndover, MA 01810-5916

Cambridge Branches
Branch Office610 Main StCambridge, MA 02139

Groton Branches
Branch Office60 Colver AveGroton, CT 06340-3808
Branch Office445 Eastern Point Rd Amenities Corridor Building 220Groton, CT 06340-5157

Madison Branches
Branch Office1 Giralda FarmsMadison, NJ 07940

New Haven Branches
Branch Office50 Brewery StNew Haven, CT 06511

Parsippany Branches
Branch Office400 Webro RdParsippany, NJ 07054-2826

San Diego Branches
Branch Office10646 Science Center DrSan Diego, CA 92121

South San Francisco Branches
Branch Office230 E Grand Ave Rinat Neuroscience CorporationSouth San Francisco, CA 94080-4811

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