Credit union · NCUA insured
Gates Chili Federal Credit Union
A $31.4M credit union headquartered in Rochester, NY, with 2,222 members and 1 branch in New York. Best rates: CDs 1.50% and savings 0.05% APY.
Gates Chili Federal Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#8 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gates Chili Federal Credit Union
In 1964, seven teachers in the Gates Chili school district founded Gates Chili Federal Credit Union, originally named Gates Chili School District Federal Credit Union.
The member-owned credit union obtained an NCUA community charter in 1999 serving the Gates and Chili communities, and operates from its headquarters in Rochester, New York.
- Headquarters
- 2870 Buffalo Rd, Rochester, NY 14624-1340
- NCUA charter
- 16236
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, attends school, or actively volunteers in the towns of Gates or Chili.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Branches
1 branch in New York
Loading map…
New York
1 branch
- Main OfficeMain office2870 Buffalo Rd, Rochester, NY 14624Directions
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 | 7.68% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.51% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio7.68%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ 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 Gates Chili 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.