SECNY Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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 48^th largest credit union in the state of New York. It is also the 1,039^th 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

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	20496
Year Chartered	1971
Employees	63
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	4.3%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$298.3MM$290.1MM
Loans	Q1 2025vs Q1 2024	$156.1MM$154.9MM
Deposits	Q1 2025vs Q1 2024	$273MM$265.8MM
Equity Capital	Q1 2025vs Q1 2024	$22.4MM$21MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$686K$586K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.4MM$1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.00%	$0	-	Save2Own Club
3.00%^*	$100^*	$500	Save2Grow
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	2235 Downer Street Rd	Baldwinsville, NY 13027-2359
Branch Office	32 Fennell St	Skaneateles, NY 13152
Branch Office	115 Fayette St	Manlius, NY 13104
Branch Office	3819 Brewerton Rd	North Syracuse, NY 13212
Branch Office	4727 W Seneca Tpke	Syracuse, NY 13215-2119
Branch Office	3508 W Genesee St	Syracuse, NY 13219-2021

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