Southern Chautauqua Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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

www.665-7000.com

716-665-7000

168 E Fairmount Ave
Lakewood, NY 14750

Southern Chautauqua Federal Credit Union is headquartered in Lakewood and is the 69^th largest credit union in the state of New York. It is also the 1,481^st largest credit union in the nation. It was established in 1954 and as of December of 2024, it had grown to 70 employees and 19,791 members at 10 locations. Southern Chautauqua Federal Credit Union's CD rates are 4X the national average, and it boasts an A+ 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

Reviews

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Health

A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9107
Year Chartered	1954
Employees	70
Primary Regulator

Profit Margin
Return on Assets - YTD	2.02%
Return on Equity - YTD	15.96%
Annual Interest Income	$9.6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$151.4MM$141.1MM
Loans	Q4 2024vs Q4 2023	$117.8MM$112.7MM
Deposits	Q4 2024vs Q4 2023	$126.9MM$118.3MM
Equity Capital	Q4 2024vs Q4 2023	$19MM$15.9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.3MM$1.7MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$894K$1.4MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

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

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.

Southern Chautauqua Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%^*	$75k^*	$125k	Health Savings Accounts
OTHER TIERS: 0.15% → $125k+ \| 0.25% → $2.5k - $10k \| 0.50% → $10k - $50k \| 0.65% → $50k - $75k
0.20%^*	$0	$3.5k	Christmas Club
OTHER TIERS: 0.05% → $3.5k+
0.20%^*	$0	$3.5k	Tax Savings Club
OTHER TIERS: 0.05% → $3.5k+
0.20%^*	$0	$3.5k	Vacation Club
OTHER TIERS: 0.05% → $3.5k+
0.05%	$25	-	Membership Savings Account

Southern Chautauqua Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.95%^*	$75k^*	$125k	Money Market Savings Account
OTHER TIERS: 0.15% → $125k+ \| 0.25% → $2.5k - $10k \| 0.50% → $10k - $50k \| 0.65% → $50k - $75k

Southern Chautauqua Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.74%	$250	-	12 Month CD
3.74%	$250	-	24 Month CD
3.74%	$250	-	36 Month CD
3.74%	$250	-	48 Month CD
3.56%	$250	-	60 Month CD
2.74%	$250	-	3 Month CD

Southern Chautauqua Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.74%	$2k	-	12 Month Roth IRA
3.74%	$2k	-	24 Month Roth IRA
3.74%	$2k	-	36 Month Roth IRA
3.74%	$2k	-	48 Month Roth IRA
3.74%	$2k	-	12 Month Traditional IRA
3.74%	$2k	-	24 Month Traditional IRA
3.74%	$2k	-	36 Month Traditional IRA
3.74%	$2k	-	48 Month Traditional IRA
3.56%	$2k	-	60 Month Roth IRA
3.56%	$2k	-	60 Month Traditional IRA
2.74%	$2k	-	3 Month Roth IRA
2.74%	$2k	-	3 Month Traditional IRA
0.10%	$0	-	IRA Accumulation Account

Locations

Cities: Cherry Creek, Clymer, Dunkirk, Falconer, Frewsburg, Jamestown, Lakewood

Cherry Creek Branches
Branch Office	6834 Main St	Cherry Creek, NY 14723

Clymer Branches
Branch Office	562 Clymer Sherman Rd	Clymer, NY 14724-9521

Dunkirk Branches
Branch Office	3877 Vineyard Dr	Dunkirk, NY 14048

Falconer Branches
Branch Office	2 East Ave N	Falconer, NY 14733-1302

Frewsburg Branches
Branch Office	26 Institute St	Frewsburg, NY 14738

Jamestown Branches
Branch Office	1283 E 2nd St	Jamestown, NY 14701
Branch Office	350 E 2nd St	Jamestown, NY 14701
Branch Office	600 Hunt Rd # WE	Jamestown, NY 14701

Lakewood Branches
Branch Office	168 E Fairmount Ave	Lakewood, NY 14750
Corporate Office	110 Mall Blvd	Lakewood, NY 14750

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