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Southern Chautauqua Federal Credit Union

Popular Accounts at this Credit Union

1.82%5-year CD60 Month CD
0.70%1-year CD12 Month CD
0.10%SavingsMembership Savings Account

Overview / Commentary
168 E Fairmount Ave
Lakewood, NY 14750

Southern Chautauqua Federal Credit Union is headquartered in Lakewood and is the 88th largest credit union in the state of New York. It is also the 1,820th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 46 employees and 15,789 members at 6 locations. Southern Chautauqua Federal Credit Union's money market rates are 36% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, do business and any other entities in Chautauqua County, New York
See current membership details

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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. Southern Chautauqua Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #9107
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD4.12%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$79.3MM$75.5MM
LoansQ4 2017vs Q4 2016$64.2MM$60.6MM
DepositsQ4 2017vs Q4 2016$71.4MM$69.1MM
Equity CapitalQ4 2017vs Q4 2016$6.3MM$6.1MM
Secondary CapitalQ4 2017vs Q4 2016$1,000.00K
Loan Loss AllowanceQ4 2017vs Q4 2016$1.1MM$567.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.4MM$1.2MM
Real Estate OwnedQ4 2017vs Q4 2016$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.

Southern Chautauqua Federal Credit Union Savings Account Rates

0.60%--Christmas Club
0.60%--Tax Savings Club
0.60%--Vacation Club
0.10%$25-Membership Savings Account
0.10%--IRA Accumulation Account

Southern Chautauqua Federal Credit Union Money Market Rates

0.60%*$75k*$125kMoney Market Savings Account
OTHER TIERS: 0.20% $2,500+ | 0.25% $10k - $50k | 0.30% $50k - $75k

Southern Chautauqua Federal Credit Union CD Rates

1.82%$250-60 Month CD
1.41%$250-48 Month CD
1.21%$250-36 Month CD
0.80%$250-24 Month CD
0.70%$250-12 Month CD

Southern Chautauqua Federal Credit Union IRA Rates

1.82%$2k-5 Year Roth IRA
1.82%$250-5 Year Traditional IRA
1.41%$2k-4 Year Roth IRA
1.41%$250-4 Year Traditional IRA
1.21%$2k-3 Year Roth IRA
1.21%$250-3 Year Traditional IRA
0.80%$2k-2 Year Roth IRA
0.80%$250-2 Year Traditional IRA
0.70%$2k-1 Year Roth IRA
0.70%$250-1 Year Traditional IRA

Southern Chautauqua Federal Credit Union Locations
Branch Office7 Elm StWestfield, NY 14787
Branch Office6834 Main StCherry Creek, NY 14723
Branch Office562 Clymer Sherman RdClymer, NY 14724-9671
Branch Office168 E Fairmount AveLakewood, NY 14750
Branch Office13 W Main StBrocton, NY 14716
Branch Office1283 E 2nd StJamestown, NY 14701