300 N Middletown Rd, Ste 6
Pearl River, NY 10965
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.04% 0.91% →
1-Year CD 0.90% 1.01% →
2-Year CD 1.31% 0.95% →
5-Year CD 1.21% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Palisades is an NCUA insured institution located in Pearl River, NY. It was founded in 1941 and has approximately $191.32 millions in assets.

Who can join?

Individuals who live, work, worship, volunteers or attend school in Rockland County, New York can join.

Immediate family members of current members can join too; including your spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings, adopted children, and non-related household members that share expenses.

NCUA Insured Yes
Charter Number # # 4480
Date Established 1941
Assets $191.32 million
Loans $132.57 million
Deposits $150.00 million
Capital $18.55 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer, or attend school in Rockland County, New York. Immediate family of current members are also eligible.

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.04% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.40% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.95% $100,000 $199,999 Learn More
24 Mo CD
1.11% $10,000 $14,999 Learn More
24 Mo CD
1.31% $100,000 $199,999 Learn More
36 Mo CD
1.01% $10,000 $14,999 Learn More
36 Mo CD
1.21% $100,000 $199,999 Learn More
48 Mo CD
1.01% $10,000 $14,999 Learn More
48 Mo CD
1.21% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.21% $100,000 $199,999 Learn More

Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PALISADES

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
First Internet Bank
NMLS ID: 424182
2.562% 2.500% 0.75 $2,030 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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Below are Palisades 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:

Palisades Locations

Financial Details

Palisades Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Palisades. 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
Palisades U.S. Average
7.86% 6.71

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 30, 2020, Palisades had $1,605,386 in non-current loans and $3,443 in owned assets. To cover these potential losses it had $18,545,651 in net worth and $1,920,942 in loans loss reserves. That gives it a Texas Ratio of 7.86%.

Net Worth
Palisades U.S. Average
9.69% 13.61%

Palisades FCU has a net worth of 9.69% versus the BestCashCow average of 13.61. 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 Palisades

Branches and Savings

What is Palisades?

A federal credit union, registered with the NCUA under certificate #4480.
Learn more about credit unions here.

Is Palisades FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Palisades?

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

What are Palisades's share account and share certificate rates?

Palisades'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 Palisades?

Palisades has total capital of $18.55 million. Full information on Palisades's financial position is located above.

Who owns Palisades?

Credit Unions are owned by their members.

Where are Palisades branches located?

See branch locations nearby.

Are Palisades ATMs Open 24/7?

Do Palisades ATMs accept cash deposits?

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

Does Palisades have a mobile app?

Does Palisades have mobile deposit?

Does Palisades have quick pay?

How can Palisades transfer money to other banks or credit unions?

Does Palisades report to credit bureaus?

Does Palisades use Chexsystems?

Does Palisades use Equifax?

What is Palisades's toll free phone number?

What is Palisades's ACH Routing Number?

What is Palisades's SWIFT code?

Where can I find Palisades's wire transfer form?

What is the Palisades address for deposits?

What Products Does Palisades Offer

Does Palisades offer mortgages?

Compare mortgage rates here.

Does Palisades offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Palisades offer auto and RV loans?

Compare auto loan rates here.

Does Palisades offer student loans or personal loans?

Compare personal loan rates here.

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