Credit union · NCUA insured
NY Bravest Federal Credit Union
A $24.7M credit union headquartered in Albany, NY, with 4,744 members and 2 branches in New York. Best rates: CDs 3.82% and savings 3.30% APY.
NY Bravest Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#125 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 NY Bravest Federal Credit Union
Formed in September of 1935 by Albany Firemen, NY Bravest Federal Credit Union was established to help members control their financial future.
Headquartered in Albany, New York, the credit union operates two branch locations, including an additional branch in Manhattan.
The credit union focuses on serving firefighters and their families with their financial needs.
- Headquarters
- 532 central ave, Albany, NY 12206
- NCUA charter
- 609
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Non-profit foundations authorized by their organizing documents to be for the benefit and support of firefighters are eligible to join the credit union.
Military, government and schools
- Firefighters of the FDNY are eligible to join the credit union.
- Professional firefighters of New York State are eligible to join the credit union.
- Retired firefighters of New York State are eligible to join the credit union.
Family and household
- Immediate families or households of current members are eligible to join the credit union.
Branches
2 branches in New York
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New York
2 branches
Albany area · 1
- Main officeMain office532 central ave, Albany, NY 12206Directions
New York area · 1
- Manhattan Branch204 E 23RD St FL 3, New York, NY 10010Directions
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 | 12.04% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.42% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.56% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $90 | $59 | — |
- CapitalNet worth ratio12.04%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.42%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$90Peers’ 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 NY Bravest 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.