Overview / Commentary
28 Church St
Hoosick Falls, NY 12090-1644

Tri State Area Federal Credit Union is headquartered in Hoosick Falls and is the 160th largest credit union in the state of New York. It is also the 3,063rd largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 9 employees and 3,316 members at 1 location. Tri State Area Federal Credit Union's money market rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the towns of Hoosick, Berlin, Pittstown, Grafton, Petersburgh, Stephentown, New York. Membership is also open to employees of Strato, Inc. who work in Hoosick or Eagle Bridge, New York.
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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. Tri State Area Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8885
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.04%
Annual Interest Income$636.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$26.1MM$24.1MM
LoansQ3 2018vs Q3 2017$14.2MM$13.7MM
DepositsQ3 2018vs Q3 2017$23.0MM$20.9MM
Equity CapitalQ3 2018vs Q3 2017$3.0MM$3.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$12.00K$13.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$0
Real Estate OwnedQ3 2018vs Q3 2017$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.

Tri State Area Federal Credit Union Savings Account Rates

0.80%--IRA Savings
0.20%$25-Regular Savings
0.20%--Other Savings Account
0.20%--Christmas Club

Tri State Area Federal Credit Union Money Market Rates

1.75%*$100k*-Money Market
OTHER TIERS: 1.25% $2.5k - $50k | 1.50% $50k - $100k

Tri State Area Federal Credit Union CD Rates

2.75%$500-60 Month Share Certificate
2.70%$500-48 - 59 Month Share Certificate
2.60%$500-36 - 47 Month Share Certificate
2.50%$500-24 - 35 Month Share Certificate
2.25%$500-12 - 23 Month Share Certificate
1.25%$500-6 - 11 Month Share Certificate

Tri State Area Federal Credit Union Locations
Corporate Office28 Church StHoosick Falls, NY 12090

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