State CS Employees Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.02%	1-year CD	2.65% - Barclays 12 Month Online CD
0.95%	1-year CD	2.65% - Barclays 12 Month Online CD
0.45%	Savings	2.00% - Ally Bank Online Savings Account

View all State CS Employees Federal Credit Union rates »

Overview / Commentary

www.statecs.org

315-785-2400

4th Floor, Dulles State Office Building 317 Washington St.
Watertown, NY 13601

State CS Employees Federal Credit Union is headquartered in WATERTOWN and is the 183^rd largest credit union in the state of New York. It is also the 3,432^nd largest credit union in the nation. It was established in 1964 and as of September of 2018, it had grown to 6 employees and 2,232 members at 2 locations. State CS Employees Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

State CS Employees Federal Credit Union offers membership to employees and retirees of the City of Watertown, New York State Civil Service and Watertown City School District .
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Health

B+

Data as of Q3 2018

Learn why bank health matters

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. State CS Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	16207
Year Chartered	1964
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	6.57%
Annual Interest Income	$557.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$18.8MM$17.5MM
Loans	Q3 2018vs Q3 2017	$13.5MM$12.4MM
Deposits	Q3 2018vs Q3 2017	$16.6MM$15.4MM
Equity Capital	Q3 2018vs Q3 2017	$2.2MM$2.0MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$83.00K$82.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$42.00K$20.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Savings
CD

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

State CS Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$20k^*	-	Savings Account
OTHER TIERS: 0.10% → $50 - $5k \| 0.25% → $5k - $10k \| 0.35% → $10k - $20k

State CS Employees Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	-	-	1 Year Term Share Certificate
1.51%	-	-	6 Month Term Share Certificate
0.95%	$25	-	12 Month Lucky Savers CD

Locations

State CS Employees Federal Credit Union Locations
Branch Office	144 Eastern Boulevard	WATERTOWN, NY 13601
Main Office	Dulles State Office Building 317 Washington Street	WATERTOWN, NY 13601

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