Overview / Commentary
197 Broadway
Saranac Lake, NY 12983

Tri-Lakes Federal Credit Union is headquartered in Saranac Lake and is the 187th largest credit union in the state of New York. It is also the 3,509th largest credit union in the nation. It was established in 1978 and as of December of 2018, it had grown to 8 employees and 2,258 members at 2 locations. Tri-Lakes Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Altamont, Franklin, Harrietstown, Santa Clara, Brighton, St. Armand, Wilmington, Keene or North Elba, 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. Tri-Lakes Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23198
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD11.84%
Annual Interest Income$663.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$17.2MM$16.8MM
LoansQ4 2018vs Q4 2017$10.1MM$8.9MM
DepositsQ4 2018vs Q4 2017$15.7MM$15.4MM
Equity CapitalQ4 2018vs Q4 2017$1.4MM$1.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$51.00K$50.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$51.00K$52.00K
Real Estate OwnedQ4 2018vs Q4 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-Lakes Federal Credit Union Savings Account Rates

0.05%$5$100Regular Shares
0.05%-- IRA Regular Shares
0.05%--All Club Account

Tri-Lakes Federal Credit Union Money Market Rates

0.20%*$25k*-Money Market Account
OTHER TIERS: 0.10% $2.5k - $10k | 0.15% $10k - $25k

Tri-Lakes Federal Credit Union CD Rates

0.55%$500-48 Month CD
0.30%$500-36 Month CD
0.20%$500-24 Month CD
0.15%$500-18 Month CD
0.10%$500-12 Month CD

Tri-Lakes Federal Credit Union IRA Rates

0.55%$500-48 Month Share IRA
0.45%$500-36 Month Share IRA
0.35%$500-24 Month Share IRA

Tri-Lakes Federal Credit Union Locations
Branch Office197 BroadwaySaranac Lake, NY 12983
Branch Office453 Wesvalley RdLake Placid, NY 12946-1371

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