Credit union · NCUA insured
Auburn Community Federal Credit Union
Top CarrotA $123.5M credit union headquartered in Auburn, NY, with 7,831 members and 4 branches in New York. Best rates: CDs 4.00% and savings 0.15% APY.
Auburn Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#2 of 11 in Auburn, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Auburn Community Federal Credit Union
Founded on January 27, 1936, as Auburn Prison Employees Federal Credit Union, the credit union was initially established to serve local prison employees.
After renaming to Auburn Correctional in 1978 and Auburn New York in 1986, it adopted a federal community charter in 2001 and became Auburn Community Federal Credit Union in 2004.
Headquartered in Auburn, New York, the member-owned credit union serves Cayuga, Onondaga, Oswego, and Madison counties.
- Headquarters
- 65 Wright Cir, Auburn, NY 13021-3135
- NCUA charter
- 988
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, attends school, or operates a business in Cayuga County, Onondaga County, Madison County, or Oswego County.
Family and household
- Family members of Auburn Community FCU members and surviving family members (including immediate family members or spouses) of deceased members are eligible for membership.
Cost to join
- A savings account with a minimum deposit of $5 is required to establish membership.
Branches
4 branches in New York
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New York
4 branches
Auburn area · 3
- Main Office - 65 Wright CircleMain office65 Wright Cir, Auburn, NY 13021Directions
- Branch - 101 Prospect St101 Prospect St, Auburn, NY 13021Directions
- Weedsport2651 Erie Dr Route 31, Weedsport, NY 13166Directions
Syracuse area · 1
- Liverpool Branch7538 Oswego Rd, Liverpool, NY 13090Directions
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 | 12.28% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.02% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $37 | $76 | — |
- CapitalNet worth ratio12.28%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.02%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$37Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Auburn Community 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.