State Employees Federal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by Credit Guide
Review based on 12 criteria Rating: 3.5 out of 5

700 Patroon Creek Blvd, Albany, NY 12206

Website

(518) 464-5331

Data Source: NCUA, December 31, 2016


State Employees Federal Credit Union was founded in 1934. Headquartered in Albany, New York, State Employees Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the National Credit Union Association (NCUA) and being insured through the National Credit Union Share Insurance Fund (NCUSIF). State Employees Federal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, State Employees Federal Credit Union services 349,136 members through its 47 offices and branches and 836 full-time and 30 part-time employees. It has $3,328,515,261 of total assets and $242,277,263 of net worth. Based on its asset size and net worth ratio, State Employees Federal Credit Union is classified as a Well Capitalized large credit union.

State Employees Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. State Employees Federal Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of State Employees Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in New York and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of New York
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.1000
0.1500
0.1200
Money Market
0.4000
0.2500
0.2500
Certificate Deplit
0.2000
0.6000
0.5800
IRA
0.2000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of New York
National Median Rates
Credit Cards
8.4900
9.9000
9.9900
Unsecured Line of Credits
9.2500
9.9400
10.9500
Short-term Small Amount
n/a
24.0000
25.0000
Student Loans
9.2500
6.0000
6.0200
New Car Loans
1.9900
3.0000
3.3300
Used Car Loans
2.4900
4.2500
4.5000
1st Mortgage Real Estates
4.3800
4.0000
4.2500
Other Real Estates
2.5000
4.4700
4.7000

State Employees Federal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by State Employees Federal Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
Yes
View Account History
Yes
No

As a community financial institution, State Employees Federal Credit Union actively involves in local communities by prliding services such as financial education, financial literacy workshops, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
Yes
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Albany St
920 Albany St
Schenectady, NY 12307
Phone:518-452-8234

Altamont
763 Main St RT 146
Altamont, NY 12009-9900
Phone:518-452-8234

Amherst
3155 Niagara Falls Blvd
Amherst, NY 14228
Phone:518-452-8234

Amsterdam
5003 State Highway 30
Amsterdam, NY 12010
Phone:518-452-8234

Arbor Hill
388 Clinton Ave
Albany, NY 12206
Phone:518-452-8234

BDC Automated Branch
249 Glenwood Rd
Binghamton, NY 13905-1603
Phone:518-452-8234

Buffalo
598 Main St
Buffalo, NY 14202
Phone:518-452-8234

Cicero
8086 Brewerton Rd
Cicero, NY 13039
Phone:518-452-8234

Clarence
4375 Transit Rd
Williamsville, NY 14221
Phone:518-452-8234

Clifton Park
16 Park Ave
Clifton Park, NY 12065
Phone:518-452-8234

Cobleskill
567 Main St
Cobleskill, NY 12043
Phone:518-452-8234

Cooperstown
169 Main St
Cooperstown, NY 13326
Phone:518-452-8234

Court St
82 Court St # 84
Binghamton, NY 13901-3301
Phone:518-452-8234

East Greenbush
120 Troy Rd # Rt
East Greenbush, NY 12061-1025
Phone:518-452-8234

Empire State Plaza
5 Empire State Plz Ste 110 Main Concourse
Albany, NY 12223-1500
Phone:518-452-8234

Glenmont
384 Route 9w
Glenmont, NY 12077
Phone:518-452-8234

Glenville
290 Saratoga Rd Inside Price Chopper
Glenville, NY 12302
Phone:518-452-8234

Guilderland
2114 Western Ave
Guilderland, NY 12084
Phone:518-452-8234

Headquarters
Main Office

575 Broadway
Albany, NY 12207
Phone:518-464-5331

Hoosick Vrc
256 Hoosick St
Troy, NY 12180
Phone:518-274-2711

Kirkwood Drc
4 Crescent Dr
Kirkwood, NY 13795
Phone:607-775-6010

Latham
935 New Loudon Rd
Latham, NY 12110
Phone:518-452-8234

Malta
2537 Rt 9
Malta, NY 12020
Phone:518-452-8234

Mobile
700 Patroon Creek Blvd
Albany, NY 12206
Phone:518-464-5347

Nanotech
257 Fuller Rd
Albany, NY 12203
Phone:518-452-8234

Niskayuna
3200 Balltown Rd
Schenectady, NY 12304
Phone:518-452-8234

Onecommerce Plaza
99 Washington Ave
Albany, NY 12210
Phone:518-452-8234

Park South
16 New Scotland Ave
Albany, NY 12208
Phone:518-452-8234

Patroon Creek
655 Patroon Creek Blvd
Albany, NY 12206
Phone:518-452-8234

RPI
110 8th St
Troy, NY 12180
Phone:518-874-4531

S Pearl St
200 S Pearl St Albany Housing Authority Bldg
Albany, NY 12202
Phone:518-452-8234

Schodack
89 Miller Rd
Castleton, NY 12033
Phone:518-452-8234

Sefcu Square
469 State St
Schenectady, NY 12305
Phone:518-452-8234

Skidmore
815 N Broadway Jonsson Tower
Saratoga Springs, NY 12866-1632
Phone:518-452-8234

Slingerlands
1395 New Scotland Rd Price Chopper Plaza
Slingerlands, NY 12159
Phone:518-452-8234

State St
110 State St
Albany, NY 12207
Phone:518-452-8234

Suny Albany
1400 Washington Ave Albany Campus Center
Albany, NY 12222
Phone:518-452-8234

Suny Buffalo
520 Lee Entrance Ste 101a
Amherst, NY 14228
Phone:518-452-8234

Syr Deys Bldg
401 S Salina St
Syracuse, NY 13202-2584
Phone:518-452-8234

Syr S Crouse
721 S Crouse Ave
Syracuse, NY 13210-1712
Phone:518-452-8234

Syr Simon Dr
107 Simon Dr
Syracuse, NY 13224
Phone:518-452-8234

Troy
65 Vandenburgh Ave
Troy, NY 12180
Phone:518-452-8234

Upper Front St
1137 Upper Front St
Binghamton, NY 13905
Phone:518-452-8234

Vestal
3640 Vestal Rd
Vestal, NY 13850-2227
Phone:518-452-8234

Vista
12 Vista Blvd
Slingerlands, NY 12159
Phone:518-452-8234

Wilton
7 Lowes Dr
Saratoga Springs, NY 12866-9441
Phone:518-452-8234

Wolf Rd
40 Wolf Rd
Albany, NY 12205
Phone:518-452-8234

(518) 464-5227

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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