C C S E Federal Credit Union
Headquarters
417 Broad St
Salamanca, NY 14779
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2025 Overview
General Credit Union Information
C C S E is an NCUA insured institution located in Salamanca, NY. It was founded in 1977 and has approximately $61.64 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22754 |
| Date Established | 1977 |
| Assets | $61.64 million |
| Loans | $27.46 million |
| Deposits | $55.69 million |
| Capital | $5.93 million |
Deposit Rates - December 13, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $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 | |
|---|---|---|---|---|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
Loan Rates - December 13, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for C C S E
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: 401822 |
0.000% | 0.000% | 0.00 | $0 | $0 | Learn More |
NMLS ID: 3030 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
PenFed Credit Union See Table |
0.000 %
|
$0 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Note to C C S E
To upload and update your bank's rates please register.
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Branches
Below are C C S E 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 York City,New York
C C S E Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 269.59 | A | View Lobby Hours | |
| 269.77 | B | View Lobby Hours |
Climate Policy and Initiatives
C C S E 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
C C S E Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of C C S E. 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
| C C S E | U.S. Average |
|---|---|
| 0.89% | 5.63 |
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, 2025, C C S E had $53,495 in non-current loans and $0 in owned assets. To cover these potential losses it had $5,926,531 in net worth and $56,383 in loans loss reserves. That gives it a Texas Ratio of 0.89%.
Net Worth
| C C S E | U.S. Average |
|---|---|
| 9.61% | 14.29% |
C C S E FCU has a net worth of 9.61% versus the BestCashCow average of 14.29. 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 C C S E
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