Financial Trust


3333 Harlem Rd
Cheektowaga, NY 14225
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.40% 0.70% →
2-Year CD 0.55% 0.75% →
5-Year CD 0.90% 1.15% →
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

Financial Trust is an NCUA insured institution located in Cheektowaga, NY. It was founded in 1950 and has approximately $156.38 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6870
Date Established 1950
Assets $156.38 million
Loans $74.87 million
Deposits $138.44 million
Capital $17.34 million

Field of Membership Restrictions

Must be an employee of the West Seneca Central School, Town of Seneca, Rich Products, the Teamsters, UAW or other select group.

Deposit Rates - August 1, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $1,000 - Learn More
12 Mo CD
0.40% $1,000 - Learn More
18 Mo CD
0.50% $1,000 - Learn More
24 Mo CD
0.55% $1,000 - Learn More
36 Mo CD
0.65% $1,000 - Learn More
48 Mo CD
0.75% $1,000 - Learn More
60 Mo CD
0.90% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less

Loan Rates - August 1, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FINANCIAL TRUST

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.812% 2.750% 0.75 $2,015 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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4.840 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Below are Financial Trust 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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Financial Trust Locations

Financial Details

Financial Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Financial Trust. 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
Financial Trust U.S. Average
1.14% 4.38

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 March 31, 2021, Financial Trust had $204,415 in non-current loans and $0 in owned assets. To cover these potential losses it had $17,335,400 in net worth and $523,292 in loans loss reserves. That gives it a Texas Ratio of 1.14%.

Net Worth
Financial Trust U.S. Average
11.08% 12.20%

Financial Trust FCU has a net worth of 11.08% versus the BestCashCow average of 12.20. 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 Financial Trust

Branches and Savings

What is Financial Trust?

A federal credit union, registered with the NCUA under certificate #6870.
Learn more about credit unions here.

Is Financial Trust 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. Financial Trust is insured by the NCUA.

Who can join Financial Trust?

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

What are Financial Trust's share account and share certificate rates?

Financial Trust'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 Financial Trust?

Financial Trust has total capital of $17.34 million. Full information on Financial Trust's financial position is located above.

Who owns Financial Trust?

Credit Unions are owned by their members.

Where are Financial Trust branches located?

See branch locations nearby.

Are Financial Trust ATMs Open 24/7?

Do Financial Trust ATMs accept cash deposits?

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

Does Financial Trust have a mobile app?

Does Financial Trust have mobile deposit?

Does Financial Trust have quick pay?

How can Financial Trust transfer money to other banks or credit unions?

Does Financial Trust report to credit bureaus?

Does Financial Trust use Chexsystems?

Does Financial Trust use Equifax?

What is Financial Trust's toll free phone number?

What is Financial Trust's ACH Routing Number?

What is Financial Trust's SWIFT code?

Where can I find Financial Trust's wire transfer form?

What is the Financial Trust address for deposits?

What Products Does Financial Trust Offer

Does Financial Trust offer mortgages?

Compare mortgage rates here.

Does Financial Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Financial Trust offer auto and RV loans?

Compare auto loan rates here.

Does Financial Trust offer student loans or personal loans?

Compare personal loan rates here.

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