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 967th largest credit union in the nation. It was established in 1983 and as of September of 2020, it had grown to 46 employees and 21,007 members at 11 locations. Scient Federal Credit Union's savings rates are 92% higher than the national average, and it 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.
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Health Grade Components

NCUA #24029
Year Chartered1983
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.44%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$267.9MM$249.0MM
LoansQ3 2020vs Q3 2019$232.1MM$219.7MM
DepositsQ3 2020vs Q3 2019$239.2MM$222.9MM
Equity CapitalQ3 2020vs Q3 2019$24.9MM$23.4MM
Loan Loss AllowanceQ3 2020vs Q3 2019$1.2MM$1.4MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$171.00K$481.00K
Real Estate OwnedQ3 2020vs Q3 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

0.40%*$100k*$250kPremium Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $25k | 0.20% $25k - $100k | 0.25% $250k+
0.25%*$250k*-Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.10% $2.5k - $25k | 0.15% $25k - $75k | 0.20% $75k - $250k

Scient Federal Credit Union Checking Account Rates

0.10%$2.5k-Interest Checking

Scient Federal Credit Union CD Rates

0.90%$500-60 Month Term Certificate
0.70%$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

1.00%$500-60 Month IRA
0.80%$500-48 Month IRA
0.70%$500-36 Month IRA
0.50%$500-24 Month IRA
0.30%$500-12 Month IRA


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