Credit union · NCUA insured
Money Federal Credit Union
A $52.5M credit union headquartered in Syracuse, NY, with 3,189 members and 1 branch in New York. Best rates: CDs 2.75% and savings 0.35% APY.
Money Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#19 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Money Federal Credit Union
Money Federal Credit Union is a not-for-profit credit union headquartered in Syracuse, New York.
The credit union offers business accounts to individuals and businesses demonstrating residency and business ownership in Onondaga, Oswego, Cayuga, or Madison County.
- Headquarters
- 125 E Jefferson St, Sute 110, Syracuse, NY 13202
- NCUA charter
- 22566
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This may be incomplete or out of date, so check with the credit union before you apply.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
- To qualify for a business bank account, applicants must prove residency and business ownership in Onondaga, Oswego, Cayuga, or Madison county.
Cost to join
- The minimum deposit to open a business bank account is $5.
Branches
1 branch in New York
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New York
1 branch
- Money FCUMain office125 E Jefferson St, Sute 110, Syracuse, NY 13202Directions
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 | 13.78% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.43% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio13.78%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ 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 Money 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.