Bct Federal Credit Union


47 Broad Avenue
Binghamton, NY 13904
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Bct is an NCUA insured institution located in Binghamton, NY. It was founded in 1941 and has approximately $38.14 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4507
Date Established 1941
Assets $38.14 million
Loans $21.08 million
Deposits $41.33 million
Capital $-3.22 million

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BCT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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3.172% 3.100% 0.88 $2,315 $1,068 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Below are Bct branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Climate Initiatives

BCT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Bct Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bct. 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
Bct U.S. Average
-8.07% 3.79

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, 2021, Bct had $240,782 in non-current loans and $0 in owned assets. To cover these potential losses it had $-3,222,382 in net worth and $239,258 in loans loss reserves. That gives it a Texas Ratio of -8.07%.

Net Worth
Bct U.S. Average
-8.44% 12.22%

Bct FCU has a net worth of -8.44% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Bct

Branches and Savings

What is Bct?

A federal credit union, registered with the NCUA under certificate #4507.
Learn more about credit unions here.

Is Bct FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Bct is insured by the NCUA.

Who can join Bct?

Please see Field of Membership information above for information on who is eligible to join.

What are Bct's share account and share certificate rates?

Bct's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Bct?

Bct has total capital of $-3.22 million. Full information on Bct's financial position is located above.

Who owns Bct?

Credit Unions are owned by their members.

Where are Bct branches located?

See branch locations nearby.

Are Bct ATMs Open 24/7?

Do Bct ATMs accept cash deposits?

Can Bct customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Bct have a mobile app?

Does Bct have mobile deposit?

Does Bct have quick pay?

How can Bct transfer money to other banks or credit unions?

Does Bct report to credit bureaus?

Does Bct use Chexsystems?

Does Bct use Equifax?

What is Bct's toll free phone number?

What is Bct's ACH Routing Number?

What is Bct's SWIFT code?

Where can I find Bct's wire transfer form?

What is the Bct address for deposits?

What Products Does Bct Offer

Does Bct offer mortgages?

Compare mortgage rates here.

Does Bct offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bct offer auto and RV loans?

Compare auto loan rates here.

Does Bct offer student loans or personal loans?

Compare personal loan rates here.

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