Credit union · NCUA insured
Beginnings Credit Union
A $1.5B credit union, the 325th largest of 4,329, headquartered in Ithaca, NY, with 75,357 members and 16 branches in New York. Best rates: CDs 3.75% and savings 0.40% APY.
Beginnings Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#1 of 10 in Ithaca, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Beginnings Credit Union
- Headquarters
- 1030 Craft Rd, Ithaca, NY 14850
- NCUA charter
- 68322
Branches
16 branches in New York
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New York
16 branches
Ithaca area · 8
- 1030 Craft RoadMain office1030 Craft Rd, Ithaca, NY 14850Directions
- 1050 Craft Rd1050 Craft Rd, Ithaca, NY 14850Directions
- Campus Store15 Central Ave, Ithaca, NY 14853Directions
- Commons Branch200-204 E. State Street, Ithaca, NY 14850Directions
- East Hill1022 Ellis Hollow Rd, Ithaca, NY 14850Directions
- Ithaca College953 Danby Rd, Egbert Hall Rm 328-329, Ithaca College, Ithaca, NY 14850Directions
- Meadow Street409 N Meadow St # 13, Ithaca, NY 14850Directions
- Triphammer99 Sheraton Dr, Ithaca, NY 14850Directions
Syracuse area · 5
- Camillus2565 Hambletonian Way, Camillus, NY 13031Directions
- C-NS Northstars Branch6002 E Seymour St, Cicero, NY 13039Directions
- ESM Spartan Branch6400 Fremont Rd, East Syracuse, NY 13057Directions
- East Syracuse7200 Kirkville Rd, East Syracuse, NY 13057Directions
- North Syracuse651 Centerville Pl, North Syracuse, NY 13212Directions
Cortland area · 2
- Port Watson Street182 Port Watson St, Cortland, NY 13045Directions
- Route 281 Cortland3910 State Route 281, Tops Plaza, Cortland, NY 13045Directions
Seneca Falls area · 1
- Kingdom Plaza1959 Route 5 and 20, Waterloo, NY 13165Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.01% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.69% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.73% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio14.01%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.69%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.73%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Beginnings Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.