Credit union · NCUA insured
Southern Chautauqua Federal Credit Union
A $166.3M credit union headquartered in Lakewood, NY, with 21,346 members and 9 branches in New York. Best rates: CDs 3.23% and savings 0.25% APY.
Southern Chautauqua Federal Credit Union Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#11 of 14 in Jamestown, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern Chautauqua Federal Credit Union
Southern Chautauqua Federal Credit Union is located in Lakewood, New York.
- Headquarters
- 168 E Fairmount Ave, Lakewood, NY 14750
- NCUA charter
- 9107
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This may be incomplete or out of date, so check with the credit union before you apply.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
- People who live, work, worship, attend school, do business and any other entities within Chautauqua County, New York are eligible for membership.
Employers and groups
- Employees of the credit union and volunteers in the community are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adopted individuals) and household members of eligible persons or joined members are eligible to join.
Other ways
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Branches
9 branches in New York
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New York
9 branches
- LakewoodMain office168 E Fairmount Ave, Lakewood, NY 14750Directions
- Cherry Creek6834 Main St, Cherry Creek, NY 14723Directions
- Clymer562 Clymer Sherman Rd, Clymer, NY 14724Directions
- Dunkirk3877 Vineyard Dr, Dunkirk, NY 14048Directions
- Falconer High School2 East Ave N, Falconer, NY 14733Directions
- Frewsburg High School26 Institute St, Frewsburg, NY 14738Directions
- Jamestown1283 E 2nd St, Jamestown, NY 14701Directions
- Jamestown High School350 E 2nd St, Jamestown, NY 14701Directions
- Southwestern Central School600 Hunt Rd # WE, Jamestown, NY 14701Directions
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 | 17.58% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.61% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.62% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio17.58%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.61%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.62%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ 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 Southern Chautauqua 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.