Credit union · NCUA insured
SUNY Fredonia Federal Credit Union
A $48.2M credit union headquartered in Fredonia, NY, with 3,330 members and 1 branch in New York. Best rates: CDs 3.50% and savings 1.00% APY.
SUNY Fredonia Federal Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#5 of 14 in Jamestown, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SUNY Fredonia Federal Credit Union
Founded in 1975, SUNY Fredonia Federal Credit Union is a member-owned cooperative financial institution.
The credit union serves university employees, students, alumni, and affiliated community organizations.
- Headquarters
- 280 Central Ave, G139 Williams Center, Fredonia, NY 14063-1127
- NCUA charter
- 21851
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This may be incomplete or out of date, so check with the credit union before you apply.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 the New York Medical Center in Irving, New York are eligible for membership.
- Individuals with Fredonia Faculty Student Association are eligible for membership.
- Employees of the SUNY Fredonia Research Foundation are eligible for membership.
- Employees of the Campus and Community Children’s Center are eligible for membership.
Military, government and schools
- Employees of Fredonia State University of New York are eligible for membership.
- Students attending Fredonia State University in Fredonia, New York are eligible for membership.
8 more ways to join
Military, government and schools
- Alumni of Fredonia State University of New York (individuals who previously attended or graduated) are eligible for membership.
Family and household
- Immediate family members of alumni of Fredonia State University of New York are eligible for membership.
- Immediate family members of students attending Fredonia State University in Fredonia, New York are eligible for membership.
- Immediate family members of employees of the New York Medical Center in Irving, New York are eligible for membership.
- Immediate family members of Fredonia State University of New York employees are eligible for membership.
- Immediate family members of individuals with the Fredonia Faculty Student Association are eligible for membership.
- Immediate family members of employees of the SUNY Fredonia Research Foundation are eligible for membership.
- Immediate family members of employees of the Campus and Community Children’s Center are eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- Suny Fredonia FcuMain office280 Central Ave, G139, G139 Williams Center, Fredonia, NY 14063Directions
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 | 18.74% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.63% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio18.74%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.63%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ 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 SUNY Fredonia 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.