Focal Point


6555 Ridings Road
Syracuse, NY 13206
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

Focal Point is an NCUA insured institution located in Syracuse, NY. It was founded in 1957 and has approximately $48.82 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12093
Date Established 1957
Assets $48.82 million
Loans $21.99 million
Deposits $42.16 million
Capital $6.88 million

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Focal Point

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Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FOCAL POINT

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
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.790% 2.750% 0.50 $1,290 $1,021 Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$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

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Focal Point 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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Focal Point Locations

Financial Details

Focal Point Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Focal Point. 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
Focal Point U.S. Average
6.26% 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, Focal Point had $446,135 in non-current loans and $0 in owned assets. To cover these potential losses it had $6,878,611 in net worth and $242,839 in loans loss reserves. That gives it a Texas Ratio of 6.26%.

Net Worth
Focal Point U.S. Average
14.08% 12.67%

Focal Point FCU has a net worth of 14.08% 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 Focal Point

Branches and Savings

What is Focal Point?

A federal credit union, registered with the NCUA under certificate #12093.
Learn more about credit unions here.

Is Focal Point 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. Focal Point is insured by the NCUA.

Who can join Focal Point?

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

What are Focal Point's share account and share certificate rates?

Focal Point'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 Focal Point?

Focal Point has total capital of $6.88 million. Full information on Focal Point's financial position is located above.

Who owns Focal Point?

Credit Unions are owned by their members.

Where are Focal Point branches located?

See branch locations nearby.

Are Focal Point ATMs Open 24/7?

Do Focal Point ATMs accept cash deposits?

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

Does Focal Point have a mobile app?

Does Focal Point have mobile deposit?

Does Focal Point have quick pay?

How can Focal Point transfer money to other banks or credit unions?

Does Focal Point report to credit bureaus?

Does Focal Point use Chexsystems?

Does Focal Point use Equifax?

What is Focal Point's toll free phone number?

What is Focal Point's ACH Routing Number?

What is Focal Point's SWIFT code?

Where can I find Focal Point's wire transfer form?

What is the Focal Point address for deposits?

What Products Does Focal Point Offer

Does Focal Point offer mortgages?

Compare mortgage rates here.

Does Focal Point offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Focal Point offer auto and RV loans?

Compare auto loan rates here.

Does Focal Point offer student loans or personal loans?

Compare personal loan rates here.

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