Credit union · NCUA insured
Mohawk Valley Federal Credit Union
A $61.3M credit union headquartered in Marcy, NY, with 3,255 members and 2 branches in New York. Best rates: CDs 3.90% and savings 1.01% APY.
Mohawk Valley Federal Credit Union Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#9 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mohawk Valley Federal Credit Union
Mohawk Valley Federal Credit Union was established in 1971 to provide low-cost financial services to local public employees, workers, retirees, and their families.
Headquartered in Marcy, New York, with a branch in Utica, the member-owned credit union serves members across Central New York.
- Headquarters
- 9212 River Rd, Marcy, NY 13403
- NCUA charter
- 20823
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This may be incomplete or out of date, so check with the credit union before you apply.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, retirees, and family members of Moody's Polaris or Inserra's Flooring are eligible to join.
Military, government and schools
- Employees, retirees, and family members of SUNY POLY and SUNY Morrisville are eligible to join.
- Employees, retirees, and family members of the Town of Marcy, Town of New Hartford, or Village of New Hartford are eligible to join.
- Employees and retirees of the State of New York working in Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida, or Otsego Counties, NY, as well as their immediate family members and organizations of such persons, are eligible to join.
Family and household
- Immediate family members (parent, spouse, child, sibling, grandparent, grandchild, aunt, uncle, cousin, or in-law) of an existing member are eligible to join.
Cost to join
- An initial $5 Share Savings deposit is required to open an account.
Branches
2 branches in New York
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New York
2 branches
- 9212 River RdMain office9212 River Rd, Marcy, NY 13403Directions
- 207 Genesee St207 Genesee St, Utica, NY 13501Directions
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 | 12.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.86% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio12.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.86%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ 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 Mohawk Valley 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.