Flower City


1225 Jefferson Rd Ste A21
Rochester, NY 14623
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 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

Flower City is an NCUA insured institution located in Rochester, NY. It was founded in 1961 and has approximately $3.7 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 14627
Date Established 1961
Assets $3.70 million
Loans $2.81 million
Deposits $3.14 million
Capital $0.37 million

Deposit Rates - April 14, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Flower City

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Loan Rates - April 14, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FLOWER CITY

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Test Advertiser QA
2.450% 2.375% 1.00 $2,500 $972 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
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
More Info
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 Flower City 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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Flower City Locations

Financial Details

Flower City Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Flower City. 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
Flower City U.S. Average
25.80% 5.40

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, 2020, Flower City had $156,829 in non-current loans and $0 in owned assets. To cover these potential losses it had $374,461 in net worth and $233,316 in loans loss reserves. That gives it a Texas Ratio of 25.80%.

Net Worth
Flower City U.S. Average
10.12% 12.67%

Flower City FCU has a net worth of 10.12% versus the BestCashCow average of 12.67. 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 Flower City

Branches and Savings

What is Flower City?

A federal credit union, registered with the NCUA under certificate #14627.
Learn more about credit unions here.

Is Flower City 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. Flower City is insured by the NCUA.

Who can join Flower City?

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

What are Flower City's share account and share certificate rates?

Flower City'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 Flower City?

Flower City has total capital of $0.37 million. Full information on Flower City's financial position is located above.

Who owns Flower City?

Credit Unions are owned by their members.

Where are Flower City branches located?

See branch locations nearby.

Are Flower City ATMs Open 24/7?

Do Flower City ATMs accept cash deposits?

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

Does Flower City have a mobile app?

Does Flower City have mobile deposit?

Does Flower City have quick pay?

How can Flower City transfer money to other banks or credit unions?

Does Flower City report to credit bureaus?

Does Flower City use Chexsystems?

Does Flower City use Equifax?

What is Flower City's toll free phone number?

What is Flower City's ACH Routing Number?

What is Flower City's SWIFT code?

Where can I find Flower City's wire transfer form?

What is the Flower City address for deposits?

What Products Does Flower City Offer

Does Flower City offer mortgages?

Compare mortgage rates here.

Does Flower City offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Flower City offer auto and RV loans?

Compare auto loan rates here.

Does Flower City offer student loans or personal loans?

Compare personal loan rates here.

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