Credit union · NCUA insured
SNIFCU
A $9.8M credit union headquartered in Irving, NY, with 2,657 members and 2 branches in New York. Best rates: CDs 3.55% and savings 1.50% APY.
SNIFCU Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#30 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SNIFCU
The Seneca Nation of Indians Federal Credit Union is a member-owned cooperative financial institution headquartered in Irving, New York.
- Headquarters
- 12837 Route 438, Irving, NY 14081
- NCUA charter
- 24863
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This may be incomplete or out of date, so check with the credit union before you apply.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 of Seneca Gaming and Entertainment, Seneca Nation Enterprises, or Seneca Construction Management Corporation are eligible for membership.
- Employees of the Seneca Gaming Corporation and its subsidiaries are eligible for membership.
- Enrolled members of the Seneca Nation of Indians are eligible for membership.
Military, government and schools
- Employees of the Seneca Nation of Indians are eligible for membership.
Family and household
- Immediate family or household members of a current SNIFCU member are eligible for membership.
Cost to join
- A minimum deposit of at least $5 is required to open a share account.
Branches
2 branches in New York
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New York
2 branches
Buffalo area · 1
- Seneca Nation of Indians FCUMain office12837 Route 438, Irving, NY 14081Directions
Olean area · 1
- Seneca Nation of Indians FCU90 Ohiyo Way, Salamanca, NY 14779Directions
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 | 13.47% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.43% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio13.47%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.43%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ 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 SNIFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.