1030 Craft Road
Ithaca, NY 14850
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ACH 221380172
Beginnings is an NCUA insured institution located in Ithaca, NY. It was founded in 1953 and has approximately $1505.84 millions in assets.
Who can join?
Anyone who lives, works or attends school in Tompkins or Cortland Counties, as well as any business or organization located in Tompkins or Cortland Counties, is eligible to join. In each instance where a person is eligible for membership, his or her spouse, and their lineal ancestors and descendants, including persons related by adoption, are also eligible for membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68322 |
| Date Established | 1953 |
| Assets | $1,505.84 million |
| Loans | $1,047.16 million |
| Deposits | $1,281.89 million |
| Capital | $206.20 million |
Your Current Location: Montana, MT
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.22% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
Your Current Location: Montana, MT
There are currently no loan rates available for Beginnings
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to Beginnings
To upload and update your bank's rates please register.
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Below are Beginnings 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:
Livingston,Montana
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1817.69 | A | View Lobby Hours | |
| 1818.10 | B | View Lobby Hours | |
| 1818.14 | C | View Lobby Hours | |
| 1818.19 | D | View Lobby Hours | |
| 1818.25 | E | View Lobby Hours | |
| 1818.48 | F | View Lobby Hours | |
| 1818.61 | G | View Lobby Hours | |
| 1818.83 | H | View Lobby Hours | |
| 1819.85 | I | View Lobby Hours | |
| 1832.04 | J | View Lobby Hours | |
| 1832.21 | K | View Lobby Hours | |
| 1834.14 | L | View Lobby Hours | |
| 1837.95 | M | View Lobby Hours | |
| 1858.94 | N | View Lobby Hours |
BEGINNINGS 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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The following ratios and data are available to help you better understand the financial condition of Beginnings. 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.
| Beginnings | U.S. Average |
|---|---|
| 4.46% | 6.78 |
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 December 31, 2025, Beginnings had $9,224,447 in non-current loans and $252,472 in owned assets. To cover these potential losses it had $206,198,231 in net worth and $6,234,794 in loans loss reserves. That gives it a Texas Ratio of 4.46%.
| Beginnings | U.S. Average |
|---|---|
| 13.69% | 14.48% |
Beginnings FCU has a net worth of 13.69% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 30, 2026
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