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Featured Accounts

State CS Employees Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.26%1-year CD1 Year Share Certificate
0.95%1-year CD12 Month Lucky Savers CD
0.35%SavingsSavings Account

Overview / Commentary
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 189th largest credit union in the state of New York. It is also the 3,501st largest credit union in the nation. It was established in 1964 and as of March of 2018, it had grown to 8 employees and 2,195 members at 2 locations. State CS Employees Federal Credit Union's CD rates are 40% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of State CS, the City of Watertown and the Watertown School District.
See current membership details

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

Health Grade Components

Overall
NCUA #16207
Year Chartered1964
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.92%
Annual Interest Income$174.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$18.4MM$17.2MM
LoansQ1 2018vs Q1 2017$12.1MM$11.5MM
DepositsQ1 2018vs Q1 2017$16.2MM$15.2MM
Equity CapitalQ1 2018vs Q1 2017$2.1MM$2.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$79.00K$58.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$9.00K$54.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$20k*-Savings Account
OTHER TIERS: 0.05% $50 - $5k | 0.15% $5k - $10k | 0.25% $10k - $20k

State CS Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%--1 Year Share Certificate
1.00%--6 Month Share Certificate
0.95%$25-12 Month Lucky Savers CD
Locations


State CS Employees Federal Credit Union Locations
Branch Office144 Eastern BoulevardWATERTOWN, NY 13601
Main OfficeDulles State Office Building 317 Washington StreetWATERTOWN, NY 13601

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