Financial Trust Federal Credit Union
Headquarters
3333 Harlem Rd
Cheektowaga, NY 14225
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2025 Overview
General Credit Union Information
Financial Trust is an NCUA insured institution located in Cheektowaga, NY. It was founded in 1950 and has approximately $175.41 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6870 |
| Date Established | 1950 |
| Assets | $175.41 million |
| Loans | $99.55 million |
| Deposits | $149.27 million |
| Capital | $25.53 million |
Field of Membership Restrictions
Must be an employee of the West Seneca Central School, Town of Seneca, Rich Products, the Teamsters, UAW or other select group.
Deposit Rates - March 28, 2025
Your Current Location: New York, NY 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $1,000 | - |
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|
| 12 Mo CD
|
0.40% | $1,000 | - |
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|
| 18 Mo CD
|
0.50% | $1,000 | - |
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|
| 24 Mo CD
|
0.55% | $1,000 | - |
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|
| 36 Mo CD
|
0.65% | $1,000 | - |
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|
| 48 Mo CD
|
0.75% | $1,000 | - |
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|
| 60 Mo CD
|
0.90% | $1,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - March 28, 2025
Your Current Location: New York, NY 10007
There are currently no loan rates available for Financial Trust
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.253% | 6.125% | 0.75 | $4,366 | $1,945 | Learn More |
NMLS ID: 399799 |
6.614% | 6.500% | 0.88 | $3,964 | $2,023 | Learn More |
NMLS ID: 401822 |
6.644% | 6.500% | 0.88 | $4,795 | $2,023 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Reliant Home Funding, Inc See Table |
Intro APR 7.250 % After Intro: 7.250 % |
$15,000 |
Learn More
More Info |
Note to Financial Trust
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Branches
Below are Financial Trust 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:
New Rochelle,New York
Financial Trust Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 294.27 | A | View Lobby Hours | |
| 299.34 | B | View Lobby Hours | |
| 304.19 | C | View Lobby Hours |
Climate Policy and Initiatives
FINANCIAL TRUST 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
Financial Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Financial Trust. 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
| Financial Trust | U.S. Average |
|---|---|
| 1.13% | 5.69 |
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 September 30, 2024, Financial Trust had $294,389 in non-current loans and $0 in owned assets. To cover these potential losses it had $25,531,586 in net worth and $502,475 in loans loss reserves. That gives it a Texas Ratio of 1.13%.
Net Worth
| Financial Trust | U.S. Average |
|---|---|
| 14.56% | 14.16% |
Financial Trust FCU has a net worth of 14.56% versus the BestCashCow average of 14.16. 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 Financial Trust
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