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Scient Federal Credit Union

Popular Accounts at this Credit Union

3.00%4-year CD50 Month Term Certificate Special
1.30%5-year CD60 Month Term Certificate
0.30%1-year CD12 Month Term Certificate

Overview / Commentary
60 Colver Ave
Groton, CT 06340-3808

Scient Federal Credit Union is headquartered in Groton and is the 9th largest credit union in the state of Connecticut. It is also the 880th largest credit union in the nation. It was established in 1983 and as of March of 2018, it had grown to 53 employees and 19,916 members at 11 locations. Scient Federal Credit Union's money market rates are 4X the national average, and it has a B+ 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

Related Posts

Scient FCU (CT/MA/NY/RI) Has Limited-Time 50-Month CD - 5/14/2018

Scient FCU (CT/MA/NY/RI) has a 50-month Special Rate CD, 3.00% APY, through May 31, 2018. $500 min deposit, capped at $10k for existing money and $250k for new money.

Connecticut Share Certificate Specials - 1.80% 24Mo / 1.40% 9Mo - 7/21/2017

Scient Federal Credit Union special rates 1.80% apy - 24 month term 1.40% apy - 9 month term $5,000 minimum $250,000 maximum Limit one set of special Share Certificate per social security number New money only APY is effective July 20 to September 5, 2017 only https://www.scientfcu.org/certificates/

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Health Grade Components

NCUA #24029
Year Chartered1983
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD4.37%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$257.5MM$251.3MM
LoansQ1 2018vs Q1 2017$221.6MM$210.6MM
DepositsQ1 2018vs Q1 2017$234.0MM$228.4MM
Equity CapitalQ1 2018vs Q1 2017$20.3MM$20.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.9MM$1.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$785.00K$280.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* 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

0.10%--Traditional IRA Share Savings
0.10%--Roth IRA Share Savings
0.10%--Coverdell Educational Share Savings
0.05%--Regular Savings
0.05%--Club Account

Scient Federal Credit Union Money Market Rates

1.70%*$100k*$250kPremium Money Market
OTHER TIERS: 0.05% Up to $25k | 0.25% $250k+ | 0.50% $25k - $100k
0.45%*$250k*-Money Market
OTHER TIERS: 0.05% Up to $2,500 | 0.15% $2,500 - $25k | 0.20% $25k - $75k | 0.30% $75k - $250k

Scient Federal Credit Union CD Rates

3.00%$500$250k50 Month Term Certificate Special
2.40%$1k$250k12 Month Term Certificate Special
1.30%$500$250k60 Month Term Certificate
1.10%$500$250k48 Month Term Certificate
0.94%$500$250k36 Month Term Certificate
0.50%$500$250k24 Month Term Certificate
0.30%$500$250k12 Month Term Certificate
0.20%$500$250k9 Month Term Certificate
0.15%$500$250k6 Month Term Certificate
0.10%$500$250k3 Month Term Certificate

Scient Federal Credit Union IRA Rates

1.60%$500-60 Month IRA Certificate
1.35%$500-48 Month IRA Certificate
1.15%$500-36 Month IRA Certificate
0.60%$500-24 Month IRA Certificate
0.40%$500-12 Month IRA Certificate


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