Credit union · NCUA insured
St. Lawrence FCU
A $267.7M credit union headquartered in Ogdensburg, NY, with 13,338 members and 6 branches in New York. Best rates: CDs 3.56% and savings 0.30% APY.
St. Lawrence FCU Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#2 of 9 in Massena, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Lawrence FCU
St. Lawrence Federal Credit Union is a financial cooperative with six branches that supports organizations throughout the St. Lawrence County region.
- Headquarters
- 800 Commerce Park Dr, Ogdensburg, NY 13669-2208
- NCUA charter
- 9871
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This may be incomplete or out of date, so check with the credit union before you apply.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 St. Lawrence, Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, or Warren County in New York state are eligible to join.
Branches
6 branches in New York
Loading map…
New York
6 branches
- Commerce Park DriveMain office800 Commerce Park Dr, Ogdensburg, NY 13669Directions
- Court Street33 Court St, Canton, NY 13617Directions
- 111 Church Street111 Church St, Hermon, NY 13652Directions
- 81 State Street81 State St, Heuvelton, NY 13654Directions
- State Street333 State St, Ogdensburg, NY 13669Directions
- State Highway 566585 State Highway 56, Potsdam, NY 13676Directions
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 | 11.47% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.54% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.84% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio11.47%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.54%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ 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 St. Lawrence FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.