Credit union · NCUA insured
Spencerport Federal Credit Union
A $42.7M credit union headquartered in Spencerport, NY, with 4,442 members and 1 branch in New York. Best rates: CDs 4.21% and savings 0.75% APY.
Spencerport Federal Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#11 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Spencerport Federal Credit Union
Founded in 1962 as a member-owned financial cooperative, Spencerport Federal Credit Union originally served employees of the Spencerport School District.
Headquartered in Spencerport, New York, the credit union expanded its community charter in 2017 to serve Monroe and Orleans counties.
- Headquarters
- 2775 Spencerport rd, Spencerport, NY 14559
- NCUA charter
- 14884
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Monroe or Orleans Counties, NY are eligible for membership.
Family and household
- Immediate family members (spouse, child, parent, grandparent, grandchild, sibling, step-parent, step-child, step-sibling) of current members are eligible for membership.
- Household members of current members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- The spouse of someone who died while part of the Spencerport Federal Credit Union field of membership is eligible to join.
Other ways
- Individuals who actively volunteer within communities in Monroe or Orleans Counties, NY are eligible for membership.
Cost to join
- Requires opening a Share Savings Account with an initial deposit of at least $20.
Branches
1 branch in New York
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New York
1 branch
- Main OfficeMain office2775 Spencerport rd, Spencerport, NY 14559Directions
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 | 9.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.49% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.01% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $58 | $59 | — |
- CapitalNet worth ratio9.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.49%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$58Peers’ 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 Spencerport 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.