Credit union · NCUA insured
Academic Federal Credit Union
A $36.1M credit union headquartered in Briarcliff Manor, NY, with 2,358 members and 1 branch in New York. Best rates: CDs 2.50% APY.
Academic Federal Credit Union Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#97 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Academic Federal Credit Union
Chartered in 1979 as Pace University Federal Credit Union, Academic Federal Credit Union is based in Briarcliff Manor, New York.
The credit union was founded by university employees to provide loan and savings products to Pace University faculty and staff.
- Headquarters
- 425 N State Rd, Briarcliff Manor, NY 10510-1469
- NCUA charter
- 23425
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees in the field of education (elementary, secondary, or post-secondary schools) within the Bronx, Brooklyn, Manhattan, Queens, Staten Island, Westchester County, and Rockland County.
- Persons retired as pensioners or annuitants from eligible education employment, as well as volunteers.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) or household members of eligible persons.
Other ways
- Spouses of persons who died while within the field of membership, and organizations of eligible persons.
Cost to join
- A $20.00 balance in a primary share account and at least one transaction per year are required to remain a member in good standing.
Branches
1 branch in New York
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New York
1 branch
- Academic Federal Credit UnionMain office425 N State Rd, Briarcliff Manor, NY 10510Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.34% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.20% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $36 | $59 | — |
- CapitalNet worth ratio11.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.34%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$36Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Academic Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.