Credit union · NCUA insured
Town of Hempstead Employees Federal Credit Union
Top CarrotA $149.1M credit union headquartered in North Baldwin, NY, with 9,703 members and 2 branches in New York. Best rates: CDs 4.07% and savings 0.20% APY.
Town of Hempstead Employees Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#22 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Town of Hempstead Employees Federal Credit Union
Town of Hempstead Employees Federal Credit Union is headquartered in Baldwin, New York, and has been serving its members since 1963.
- Headquarters
- 1830 Grand Ave, North Baldwin, NY 11510
- NCUA charter
- 15539
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members or employees of the Baldwin Chamber of Commerce.
- Membership is open to employees of South Shore Association For Independent Living, Inc.
Military, government and schools
- Membership is open to members or employees of the Bellerose Terrace Fire District.
- Membership is open to employees of the Library districts within the Town of Hempstead.
- Membership is open to employees of the Sanitary districts within the Town of Hempstead.
- Membership is open to employees of the Town of Hempstead, New York.
8 more ways to join
Military, government and schools
- Membership is open to employees of the Village of Atlantic Beach, New York.
- Membership is open to employees of the Village of East Rockaway, New York.
- Membership is open to employees of the Village of Freeport, New York.
- Membership is open to employees of the Village of Hempstead, New York.
- Membership is open to employees of the Village of Island Park, New York.
- Membership is open to employees of the Village of Lynbrook, New York.
- Membership is open to volunteer firefighters within the Town of Hempstead.
Family and household
- All family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, sisters and their spouses and children, are eligible for membership.
Branches
2 branches in New York
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New York
2 branches
- Main OfficeMain office1830 Grand Ave, North Baldwin, NY 11510Directions
- Town Hall Branch350 Front St, Hempstead, NY 11550Directions
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 | 8.04% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.69% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $40 | $76 | — |
- CapitalNet worth ratio8.04%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$40Peers’ 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 Town of Hempstead Employees 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.