Credit union · NCUA insured
UPSTATE TELCO Federal Credit Union
A $4.3M credit union headquartered in Gloversville, NY, with 518 members and 1 branch in New York. Best rates: savings 0.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings640.10%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UPSTATE TELCO Federal Credit Union
Upstate Telco Federal Credit Union was organized in 1956 and is owned and operated entirely by its members.
The credit union is based in Gloversville, New York.
- Headquarters
- 137 Harrison St, Gloversville, NY 12078
- NCUA charter
- 10746
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active or retired employees of Frontier Communications who work or are supervised from the Gloversville or Middletown offices are eligible for membership.
Family and household
- Immediate family and household members of existing credit union members are eligible to join.
Branches
1 branch in New York
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New York
1 branch
- Main BranchMain office137 Harrison St, Gloversville, NY 12078Directions
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 | 16.06% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.28% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.27% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $30 | $59 | — |
- CapitalNet worth ratio16.06%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.28%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$30Peers’ 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 UPSTATE TELCO 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.