Saint Lawrence Federal Credit Union
Headquarters
800 Commerce Park Dr
Ogdensburg, NY 13669
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2024 Overview
General Credit Union Information
Saint Lawrence is an NCUA insured institution located in Ogdensburg, NY. It was founded in 1954 and has approximately $242.02 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9871 |
| Date Established | 1954 |
| Assets | $242.02 million |
| Loans | $175.71 million |
| Deposits | $209.88 million |
| Capital | $26.69 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, attend school in St. Lawrence County.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Junior Saver
|
2.02% | $0 | $4,999 |
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|
| SAV
|
0.10% | $1 | - |
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|
| Junior Saver
|
0.25% | $5,000 | - |
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|
|
Money Market
|
0.10% | $0 | $4,999 |
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|
|
Money Market
|
0.30% | $5,000 | $24,999 |
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|
|
Money Market
|
0.42% | $25,000 | $74,999 |
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|
|
Money Market
|
0.60% | $75,000 | $199,999 |
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|
|
Money Market
|
0.70% | $200,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month
|
0.80% | $0 | $24,999 |
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|
| Special - 6 Month
|
4.85% | $1,000 | - |
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|
| 6 Month
|
0.90% | $25,000 | $74,999 |
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|
| 6 Month
|
1.00% | $75,000 | $199,999 |
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|
| 6 Month
|
0.85% | $200,000 | - |
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|
| 12 Month
|
0.90% | $0 | $24,999 |
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|
| 12 Mo CD
|
1.00% | $25,000 | $74,999 |
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|
| 12 Month
|
1.11% | $75,000 | $199,999 |
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|
| 12 Mo CD
|
0.95% | $200,000 | - |
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|
| 24 Month
|
1.00% | $0 | $24,999 |
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|
| 24 Mo CD
|
1.11% | $25,000 | $74,999 |
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|
| 24 Month
|
1.21% | $75,999 | $199,999 |
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|
| 24 Mo CD
|
1.41% | $200,000 | - |
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|
| 36 Month
|
1.51% | $0 | $24,999 |
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|
| 36 Mo CD
|
1.61% | $25,000 | $74,999 |
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|
| 36 Month
|
1.71% | $75,000 | $199,999 |
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|
| 36 Mo CD
|
1.51% | $200,000 | - |
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|
| 48 Month
|
1.61% | $0 | $24,999 |
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|
| 48 Mo CD
|
1.71% | $25,000 | $74,999 |
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|
| 48 Month
|
1.82% | $75,000 | $199,999 |
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|
| 48 Mo CD
|
1.71% | $200,000 | - |
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|
| 60 Month
|
1.82% | $0 | $24,999 |
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|
| 60 Mo CD
|
2.02% | $25,000 | $74,999 |
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|
| 60 Month
|
2.02% | $75,000 | $199,999 |
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|
| 60 Mo CD
|
1.92% | $200,000 | - |
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|
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Saint Lawrence
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: 491986 |
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 |
Learn More
More Info |
Note to Saint Lawrence
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Branches
Below are Saint Lawrence 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
Saint Lawrence Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 515.11 | A | View Lobby Hours | |
| 517.74 | B | View Lobby Hours | |
| 524.19 | C | View Lobby Hours |
Climate Policy and Initiatives
SAINT LAWRENCE 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
Saint Lawrence Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Saint Lawrence. 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
| Saint Lawrence | U.S. Average |
|---|---|
| 8.80% | 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, Saint Lawrence had $2,342,622 in non-current loans and $61,559 in owned assets. To cover these potential losses it had $26,687,710 in net worth and $638,803 in loans loss reserves. That gives it a Texas Ratio of 8.80%.
Net Worth
| Saint Lawrence | U.S. Average |
|---|---|
| 11.02% | 13.93% |
Saint Lawrence FCU has a net worth of 11.02% 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 Saint Lawrence
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