Twin Rivers Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.twinriversfcu.org

315-764-0240

23 Phillips St
Massena, NY 13662

Twin Rivers Federal Credit Union is headquartered in Massena and is the 148^th largest credit union in the state of New York. It is also the 2,683^rd largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 8 employees and 2,627 members at 1 location. Twin Rivers Federal Credit Union's CD rates are 68% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or work in, or businesses located in St. Lawrence County in New York.
See current membership details

Reviews

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Health

Data as of Q1 2025

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. Twin Rivers Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	20290
Year Chartered	1970
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	8.26%
Annual Interest Income	$409K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$38.2MM$37.9MM
Loans	Q1 2025vs Q1 2024	$15.7MM$16.3MM
Deposits	Q1 2025vs Q1 2024	$35.3MM$35.6MM
Equity Capital	Q1 2025vs Q1 2024	$2.7MM$1.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$177K$181K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$8K$32K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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Twin Rivers Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Share Account
0.05%	$0	-	Christmas Club Account

Twin Rivers Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$1k	-	36 Month CD
2.63%	$1k	-	24 Month CD
1.51%	$1k	-	12 Month CD
1.00%	$1k	-	6 Month CD

Twin Rivers Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%	$500	-	12 Month IRA
0.05%	$0	-	Variable Rate IRA

Locations

Twin Rivers Federal Credit Union Locations
Branch Office	23 Phillips St	Massena, NY 13662

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