State CS Employees Federal Credit Union

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12 Month CD

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1.40% APY

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Up to $400 Cash Bonus
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1.15% APY

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 194^th largest credit union in the state of New York. It is also the 3,632^nd largest credit union in the nation. It was established in 1964 and as of March of 2017, it had grown to 7 employees and 2,176 members at 2 locations. State CS Employees Federal Credit Union 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+

Data as of Q1 2017

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	7
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.02%
Return on Equity - YTD	-0.2%
Annual Interest Income	$153.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$17.2MM$16.2MM
Loans	Q1 2017vs Q1 2016	$11.5MM$10.6MM
Deposits	Q1 2017vs Q1 2016	$15.2MM$14.2MM
Equity Capital	Q1 2017vs Q1 2016	$2.0MM$2.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$58.00K$46.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$54.00K$0
Real Estate Owned	Q1 2017vs Q1 2016	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.47%	-	-	6 Month Share Certificate
0.47%	-	-	1 Year Share Certificate

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