Crossroads Community Federal Credit Union
Headquarters
3031 William Street
Cheektowaga, NY 14227
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2024 Overview
General Credit Union Information
Crossroads Community is an NCUA insured institution located in Cheektowaga, NY. It was founded in 1938 and has approximately $89.51 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2508 |
| Date Established | 1938 |
| Assets | $89.51 million |
| Loans | $25.32 million |
| Deposits | $77.55 million |
| Capital | $11.71 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, volunteer, or go to school in Amherst, Blasdell, Buffalo, Cheektowaga, Clarence, Depew, East Aurora, Elma, Grand Island, Hamburg, Kenmore, Lackawanna, Lancaster, Orchard Park, Tonawanda, West Seneca, and Williamsville, New York and immediate family of existing members.
Deposit Rates - December 15, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.07% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
Loan Rates - December 15, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Crossroads Community
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2592312 License#: RM.805266.000 |
6.622% | 6.500% | 0.88 | $4,275 | $2,023 | Learn More |
NMLS ID: 1907 |
6.686% | 6.500% | 1.00 | $6,202 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.716% | 6.625% | 0.75 | $3,023 | $2,049 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.750 % After Intro: 7.750 % |
$25,000 |
Learn More
More Info |
Note to Crossroads Community
To upload and update your bank's rates please register.
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Branches
Below are Crossroads Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Crossroads Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 301.93 | A | View Lobby Hours | |
| 302.18 | B | View Lobby Hours |
Climate Policy and Initiatives
CROSSROADS COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Crossroads Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Crossroads Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Crossroads Community | U.S. Average |
|---|---|
| 0.62% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Crossroads Community had $46,570 in non-current loans and $26,481 in owned assets. To cover these potential losses it had $11,710,646 in net worth and $133,558 in loans loss reserves. That gives it a Texas Ratio of 0.62%.
Net Worth
| Crossroads Community | U.S. Average |
|---|---|
| 13.08% | 13.93% |
Crossroads Community FCU has a net worth of 13.08% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Crossroads Community
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