Credit union · NCUA insured
Generations United Federal Credit Union
A $6.9M credit union headquartered in New York, NY, with 264 members and 1 branch in New York. Best rates: CDs 4.34% and savings 2.53% APY.
Generations United Federal Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#47 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 Generations United Federal Credit Union
Generations United Federal Credit Union is based in New York, New York, and focuses on serving the United Church of Christ community.
- Headquarters
- 420 Lexington Ave Rm 850, New York, NY 10170-0033
- NCUA charter
- 24947
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or volunteers of the credit union, plus any organization of such persons, are eligible.
- Employees of the United Church of Christ are eligible for membership.
- Members of the United Church of Christ are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Members of the immediate family or household participating in the credit union are eligible.
Other ways
- Corporate or other legal entities in this charter are eligible for membership.
Cost to join
- Opening an account requires opening a share savings account with as little as $5.
Branches
1 branch in New York
Loading map…
New York
1 branch
- HeadquartersMain office420 Lexington Ave Rm 850, New York, NY 10170Directions
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 | 44.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.83% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -6.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $132 | $59 | — |
- CapitalNet worth ratio44.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.83%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-6.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$132Peers’ 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 Generations United 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.