Palisades Federal Credit Union
Headquarters
300 N Middletown Rd, Ste 6
Pearl River, NY 10965
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2024 Overview
General Credit Union Information
Palisades is an NCUA insured institution located in Pearl River, NY. It was founded in 1941 and has approximately $207.75 millions in assets.
Who can join?
Individuals who live, work, worship, volunteers or attend school in Rockland County, New York can join.
Immediate family members of current members can join too; including your spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings, adopted children, and non-related household members that share expenses.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4480 |
| Date Established | 1941 |
| Assets | $207.75 million |
| Loans | $157.76 million |
| Deposits | $181.01 million |
| Capital | $19.59 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, volunteer, or attend school in Rockland County, New York. Immediate family of current members are also eligible.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.04% | $50 | - |
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|
|
Money Market
|
0.05% | $2,500 | $9,999 |
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|
|
Money Market
|
0.10% | $10,000 | $24,999 |
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|
|
Money Market
|
0.15% | $25,000 | $49,999 |
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|
|
Money Market
|
0.20% | $50,000 | $99,999 |
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|
|
Money Market
|
0.25% | $100,000 | $249,999 |
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|
|
Money Market
|
0.30% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $49,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
| 12 Mo CD
|
0.20% | $10,000 | $49,999 |
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|
| 12 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
| 18 Mo CD
|
0.10% | $10,000 | $49,999 |
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|
| 18 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
| 24 Mo CD
|
0.10% | $10,000 | $49,999 |
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|
| 24 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
| 36 Mo CD
|
0.10% | $10,000 | $49,999 |
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|
| 36 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
| 48 Mo CD
|
0.10% | $10,000 | $49,999 |
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|
| 48 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
| 60 Mo CD
|
0.05% | $500 | $9,999 |
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|
| 60 Mo CD
|
0.20% | $100,000 | $149,999 |
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|
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Palisades
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: 2578474 |
6.584% | 6.500% | 0.50 | $2,810 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: 3029 |
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 7.490 % After Intro: 7.490 % |
$0 |
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More Info |
Note to Palisades
To upload and update your bank's rates please register.
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Branches
Below are Palisades 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
Palisades Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 482.42 | A | View Lobby Hours | |
| 483.17 | B | View Lobby Hours | |
| 484.36 | C | View Lobby Hours | |
| 485.18 | D | View Lobby Hours |
Climate Policy and Initiatives
PALISADES 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
Palisades Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Palisades. 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
| Palisades | U.S. Average |
|---|---|
| 6.79% | 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, Palisades had $912,766 in non-current loans and $510,070 in owned assets. To cover these potential losses it had $19,586,143 in net worth and $1,365,978 in loans loss reserves. That gives it a Texas Ratio of 6.79%.
Net Worth
| Palisades | U.S. Average |
|---|---|
| 9.42% | 13.93% |
Palisades FCU has a net worth of 9.42% 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 Palisades
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