Credit union · NCUA insured
SECNY Federal Credit Union
A $318M credit union headquartered in Syracuse, NY, with 15,923 members and 6 branches in New York. Best rates: CDs 4.50% and savings 0.05% APY.
SECNY Federal Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#21 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SECNY Federal Credit Union
Chartered in May 1971, SECNY Federal Credit Union is a member-owned financial institution headquartered in Syracuse, New York.
Designated as a community credit union in September 2001, it serves residents, workers, students, and organizations across Onondaga, Madison, Oswego, and Cayuga counties.
- Headquarters
- 4727 W Seneca Tpke, Syracuse, NY 13215-2119
- NCUA charter
- 20496
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons working, living, worshipping, attending school, businesses, and legal entities in Onondaga, Madison, Oswego, and Cayuga counties.
Family and household
- Membership is open to immediate family of current members (including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household members living in the same residence and maintaining a single economic unit.
Branches
6 branches in New York
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New York
6 branches
- Onondaga HillMain office4727 W Seneca Tpke, Syracuse, NY 13215Directions
- Baldwinsville2235 Downer Street Rd, Baldwinsville, NY 13027Directions
- Manlius115 Fayette St, Manlius, NY 13104Directions
- North Syracuse3819 Brewerton Rd, North Syracuse, NY 13212Directions
- Skaneateles32 Fennell St, Skaneateles, NY 13152Directions
- Fairmount3508 W Genesee St, Syracuse, NY 13219Directions
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 | 7.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.93% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $54 | $76 | — |
- CapitalNet worth ratio7.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.93%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$54Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 SECNY 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.