Southern Chautauqua Federal Credit Union

Overview / Commentary
168 E Fairmount Ave
Lakewood, NY 14750

Southern Chautauqua Federal Credit Union is headquartered in Lakewood and is the 84th largest credit union in the state of New York. It is also the 1,758th largest credit union in the nation. It was established in 1954 and as of June of 2019, it had grown to 43 employees and 15,602 members at 9 locations. Southern Chautauqua Federal Credit Union's CD rates are 79% 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 - YTD1.84%
Return on Equity - YTD20.11%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$87.3MM$85.7MM
LoansQ2 2019vs Q2 2018$73.8MM$64.8MM
DepositsQ2 2019vs Q2 2018$77.4MM$77.3MM
Equity CapitalQ2 2019vs Q2 2018$7.9MM$6.5MM
Secondary CapitalQ2 2019vs Q2 2018$1,000.00K
Loan Loss AllowanceQ2 2019vs Q2 2018$1.1MM$1.3MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$600.00K$1.1MM
Real Estate OwnedQ2 2019vs Q2 2018$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%$5-Vacation Club
0.60%*$75k*$125kHealth Savings Accounts
OTHER TIERS: 0.30% $2.5k+ | 0.35% $10k - $50k | 0.40% $50k - $75k
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: 0.30% $2.5k+ | 0.35% $10k - $50k | 0.40% $50k - $75k

Southern Chautauqua Federal Credit Union CD Rates

2.63%$250-60 Month CD
2.48%$250-48 Month CD
2.38%$250-36 Month CD
2.02%$250-24 Month CD
1.61%$250-12 Month CD

Southern Chautauqua Federal Credit Union IRA Rates

2.63%--5 Year Roth IRA
2.63%--5 Year Traditional IRA
2.48%--4 Year Roth IRA
2.48%--4 Year Traditional IRA
2.38%--3 Year Roth IRA
2.38%--3 Year Traditional IRA
2.02%--2 Year Roth IRA
2.02%--2 Year Traditional IRA
1.61%--1 Year Roth IRA
1.61%--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
Branch Office26 Institute StFrewsburg, NY 14738
Branch Office350 E 2nd StJamestown, NY 14701
Branch Office600 Hunt Rd # WEJamestown, NY 14701

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