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Overview / Commentary
716-833-9670
341 Englewood Ave
Buffalo, NY 14223-2819

SJP Federal Credit Union is headquartered in Buffalo and is the 101st largest credit union in the state of New York. It is also the 2,045th largest credit union in the nation. It was established in 1939 and as of September of 2017, it had grown to 10 employees and 5,736 members at 1 location. SJP Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in SJP Buffalo Federal Credit Union is open to parishioners of St. Joseph (Buffalo), St. Amelia (Towanda), and Blessed Sacrament (Buffalo) parishes, as well as members of the Knights of Columbus #3875.
See current membership details

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Excellent Rates, Limited Field Of Membership - 11/15/2017

Some of the best CD rates in the Buffalo, NY area, if you qualify for membership (parishioners of St. Joseph, St. Amelia, and Blessed Sacrament parishes, and members of the Knights of Columbus #3875). 12 months: 1.85% APY 24 months: 2.05% APY 36 months: 2.30% APY 48 months: 2.40% APY 60 months: 2.50% APY 84 months: 2.80% APY

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. SJP Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #3306
Year Chartered1939
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD1.67%
Return on Equity - YTD18.2%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$64.9MM$57.1MM
LoansQ3 2017vs Q3 2016$58.8MM$51.5MM
DepositsQ3 2017vs Q3 2016$58.5MM$51.9MM
Equity CapitalQ3 2017vs Q3 2016$5.9MM$4.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$194.00K$236.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$390.00K$565.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Excellent Rates, Limited Field Of Membership

Carpline   |  
Some of the best CD rates in the Buffalo, NY area, if you qualify for membership (parishioners of St. Joseph, St. Amelia, and Blessed Sacrament parishes, and members of the Knights of Columbus #3875).

12 months: 1.85% APY
24 months: 2.05% APY
36 months: 2.30% APY
48 months: 2.40% APY
60 months: 2.50% APY
84 months: 2.80% APY

Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SJP Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.04%*$75k*-IRA
OTHER TIERS: 1.00% $2,500 - $12,500 | 1.01% $12,500 - $25k | 1.02% $25k - $50k | 1.03% $50k - $75k

SJP Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$75k*-Money Market
OTHER TIERS: 1.26% $2,500 - $12,500 | 1.27% $12,500 - $25k | 1.28% $25k - $50k | 1.29% $50k - $75k

SJP Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%--84 Month CD
2.50%--60 Month CD
2.40%--48 Month CD
2.30%--36 Month CD
2.05%--24 Month CD
1.85%--12 Month CD
Locations


SJP Federal Credit Union Locations
Branch Office341 Englewood AveBuffalo, NY 14223-2819