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SECNY Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
secny.org
315-469-5599
4727 W Seneca Tpke
Syracuse, NY 13215

SECNY Federal Credit Union is headquartered in Syracuse and is the 48th largest credit union in the state of New York. It is also the 1,039th largest credit union in the nation. It was established in 1971 and as of March of 2025, it had grown to 63 employees and 15,868 members at 6 locations. SECNY Federal Credit Union's CD rates are 5X 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.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #20496
Year Chartered1971
Employees63
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD4.3%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$298.3MM$290.1MM
LoansQ1 2025vs Q1 2024$156.1MM$154.9MM
DepositsQ1 2025vs Q1 2024$273MM$265.8MM
Equity CapitalQ1 2025vs Q1 2024$22.4MM$21MM
Loan Loss AllowanceQ1 2025vs Q1 2024$686K$586K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.4MM$1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not SECNY 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.

SECNY Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$0-Save2Own Club
3.00%*$100*$500Save2Grow
OTHER TIERS: 0.05% → $500+
1.50%$100-HSA Savings
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$75k*-Cash Management
OTHER TIERS: 0.30% → $2k - $10k | 0.40% → $10k - $25k | 0.60% → $25k - $50k | 0.85% → $50k - $75k

SECNY Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$50k-6 Month Jumbo CD
4.25%$1k-12 Month CD
4.00%$50k-12 Month Jumbo CD
4.00%$1k-6 Month CD
3.75%$50k-60 Month Jumbo CD
3.60%$50k-24 Month Jumbo CD
3.60%$50k-30 Month Jumbo CD
3.60%$50k-36 Month Jumbo CD
3.60%$50k-48 Month Jumbo CD
3.60%$1k-60 Month CD
3.50%$1k-24 Month CD
3.50%$1k-30 Month CD
3.50%$1k-36 Month CD
3.50%$1k-48 Month CD
2.35%$2.5k-3 Month CD
2.25%$2.5k-30 Day CD

SECNY Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-12 Month IRA
4.25%$500-12 Month Roth IRA
4.00%$500-6 Month IRA
4.00%$500-6 Month Roth IRA
3.75%$500-60 Month IRA
3.75%$500-60 Month Roth IRA
3.60%$500-24 Month IRA
3.60%$500-30 Month IRA
3.60%$500-36 Month IRA
3.60%$500-48 Month IRA
3.60%$500-24 Month Roth IRA
3.60%$500-36 Month Roth IRA
3.60%$500-48 Month Roth IRA
3.60%$500-30 Month Roth IRA
0.20%*$10k*-IRA Activity Account
OTHER TIERS: 0.10% → $100 - $10k
0.20%*$10k*-Roth IRA
OTHER TIERS: 0.10% → $100 - $10k
Locations


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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