SECNY Federal Credit Union

Overview / Commentary
4727 W Seneca Tpke
Syracuse, NY 13215

SECNY Federal Credit Union is headquartered in Syracuse and is the 49th largest credit union in the state of New York. It is also the 1,043rd largest credit union in the nation. It was established in 1971 and as of March of 2024, it had grown to 63 employees and 15,959 members at 6 locations. SECNY Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in SECNY Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Cayuga, Madison, Onondaga, or Oswego. Immediate family/household members of current members also qualify.
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Health Grade Components

NCUA #20496
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.76%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$290.1MM$283.1MM
LoansQ1 2024vs Q1 2023$154.9MM$144.5MM
DepositsQ1 2024vs Q1 2023$265.8MM$260.5MM
Equity CapitalQ1 2024vs Q1 2023$21MM$20MM
Loan Loss AllowanceQ1 2024vs Q1 2023$586K$470K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1MM$755K
Real Estate OwnedQ1 2024vs Q1 2023$0$27K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SECNY Federal Credit Union Savings Account Rates

3.00%$0-Save2Own Club
1.00%$100-HSA Savings
0.20%*$10k*-IRA Activity Account
OTHER TIERS: 0.10% $100 - $10k
0.20%*$10k*-Roth IRA
OTHER TIERS: 0.10% $100 - $10k
0.20%*$10k*-Coverdell ESA
OTHER TIERS: 0.10% $100 - $10k
0.20%*$5k*-HSA Checking
OTHER TIERS: 0.10% $1k - $5k
0.05%$100-Regular Share
0.05%$100-Holiday Club
0.05%$100-Vacation Club
0.05%$100-Business Share

SECNY Federal Credit Union Money Market Rates

1.00%*$75k*-Cash Management
OTHER TIERS: 0.20% $2k - $10k | 0.30% $10k - $25k | 0.50% $25k - $50k | 0.75% $50k - $75k

SECNY Federal Credit Union CD Rates

4.50%$5k-6 Month CD Special with Checking-New Money
4.50%$5k-Business 6 Month CD Special with Checking-New Money
4.50%$5k-12 Month CD Special with Checking-New Money
4.50%$5k-Business 12 Month CD Special with Checking-New Money
4.10%$50k-60 Month Jumbo CD
4.00%$50k-36 Month Jumbo CD
4.00%$50k-48 Month Jumbo CD
3.85%$1k-60 Month CD
3.75%$50k-24 Month Jumbo CD
3.75%$50k-30 Month Jumbo CD
3.75%$1k-36 Month CD
3.75%$1k-48 Month CD
3.50%$50k-12 Month Jumbo CD
3.50%$1k-24 Month CD
3.50%$1k-30 Month CD
3.25%$50k-6 Month Jumbo CD
3.25%$1k-12 Month CD
3.00%$1k-6 Month CD
2.35%$2.5k-3 Month CD
2.25%$2.5k-30 Day CD

SECNY Federal Credit Union IRA Rates

4.10%$500-60 Month IRA
4.10%$500-60 Month Roth IRA
4.00%$500-36 Month IRA
4.00%$500-48 Month IRA
4.00%$500-36 Month Roth IRA
4.00%$500-48 Month Roth IRA
3.75%$500-24 Month IRA
3.75%$500-30 Month IRA
3.75%$500-24 Month Roth IRA
3.75%$500-30 Month Roth IRA
3.50%$500-12 Month IRA
3.50%$500-12 Month Roth IRA
3.25%$500-6 Month IRA
3.25%$500-6 Month Roth IRA

SECNY Federal Credit Union Locations
Branch Office2235 Downer Street RdBaldwinsville, NY 13027-2359
Branch Office32 Fennell StSkaneateles, NY 13152
Branch Office115 Fayette StManlius, NY 13104
Branch Office3819 Brewerton RdNorth Syracuse, NY 13212
Branch Office4727 W Seneca TpkeSyracuse, NY 13215-2119
Branch Office3508 W Genesee StSyracuse, NY 13219-2021

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