Credit union · NCUA insured
Steuben Citizens FCU
A $35.8M credit union headquartered in Bath, NY, with 2,575 members and 1 branch in New York. Best rates: CDs 3.05% APY.
Steuben Citizens FCU Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#5 of 7 in Corning, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Steuben Citizens FCU
Originally chartered in 1949 as VAC Employees Federal Credit Union, the institution expanded into a community charter credit union in 2018.
Headquartered in Bath, New York, Steuben Citizens Federal Credit Union serves individuals and businesses in Steuben County.
- Headquarters
- 2 Wilson Ave, Bath, NY 14810-1634
- NCUA charter
- 6225
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Steuben County, as well as businesses and other legal entities located in Steuben County, are eligible for membership.
Family and household
- Immediate family and household of existing members are eligible for membership.
Cost to join
- Opening a membership/savings account requires a one-time $1 entrance fee.
- Savings accounts require a $5 minimum balance.
Branches
1 branch in New York
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New York
1 branch
- Steuben Citizens Federal Credit UnionMain office2 Wilson Ave, Bath, NY 14810Directions
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 | 12.19% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.15% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $31 | $59 | — |
- CapitalNet worth ratio12.19%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.15%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$31Peers’ 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 Steuben Citizens FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.