Credit union · NCUA insured
Local 804 Federal Credit Union
A $21.7M credit union headquartered in Port Washington, NY, with 3,166 members and 2 branches in New York. Best rates: CDs 2.93% and savings 2.52% APY.
Local 804 Federal Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#88 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 Local 804 Federal Credit Union
Local 804 Federal Credit Union is a financial institution based in Port Washington, New York, formed in the late 1970s to help union members finance essential expenses.
The member-owned credit union initially served Local 804 IBT delivery and warehouse employees before expanding to include members of Local 447 IAMAW and Local 808 IBT.
- Headquarters
- 44 S Bayles Ave Ste 204, Port Washington, NY 11050-3765
- NCUA charter
- 23144
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members and employees of Local 447 IAMAW.
- Membership is open to members and employees of Local 804 IBT.
- Membership is open to members and employees of Local 808 IBT.
Family and household
- Membership is open to family members of Local 804 FCU members / eligible union members and employees.
Cost to join
- A minimum deposit of $5.00 is required to open an account.
Branches
2 branches in New York
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New York
2 branches
- Local 804 FCUMain office44 S Bayles Ave Ste 204, Port Washington, NY 11050Directions
- Q-Side FCU21131 Jamaica Ave, Queens Village, NY 11428Directions
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 | 30.73% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.71% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio30.73%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.71%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ 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 Local 804 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.