Saint Lawrence


800 Commerce Park Dr
Ogdensburg, NY 13669
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.66% →
1-Year CD 0.60% 0.67% →
2-Year CD 0.90% 0.75% →
5-Year CD 1.61% 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

Saint Lawrence is an NCUA insured institution located in Ogdensburg, NY. It was founded in 1954 and has approximately $191.25 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9871
Date Established 1954
Assets $191.25 million
Loans $129.51 million
Deposits $166.43 million
Capital $19.05 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school in St. Lawrence County.

Deposit Rates - April 11, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.42% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.40% $25,000 - Learn More
12 Mo CD
0.60% $200,000 - Learn More
24 Mo CD
0.60% $25,000 - Learn More
24 Mo CD
0.90% $200,000 - Learn More
36 Mo CD
1.11% $25,000 - Learn More
36 Mo CD
1.31% $200,000 - Learn More
48 Mo CD
1.21% $25,000 - Learn More
48 Mo CD
1.41% $200,000 - Learn More
60 Mo CD
1.41% $25,000 - Learn More
60 Mo CD
1.61% $200,000 - Learn More

Loan Rates - April 11, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SAINT LAWRENCE

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
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 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 Saint Lawrence 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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Saint Lawrence Locations

Financial Details

Saint Lawrence Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Saint Lawrence. 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
Saint Lawrence U.S. Average
5.58% 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, Saint Lawrence had $1,076,821 in non-current loans and $30,000 in owned assets. To cover these potential losses it had $19,054,197 in net worth and $782,162 in loans loss reserves. That gives it a Texas Ratio of 5.58%.

Net Worth
Saint Lawrence U.S. Average
9.96% 12.67%

Saint Lawrence FCU has a net worth of 9.96% 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 Saint Lawrence

Branches and Savings

What is Saint Lawrence?

A federal credit union, registered with the NCUA under certificate #9871.
Learn more about credit unions here.

Is Saint Lawrence 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. Saint Lawrence is insured by the NCUA.

Who can join Saint Lawrence?

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

What are Saint Lawrence's share account and share certificate rates?

Saint Lawrence'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 Saint Lawrence?

Saint Lawrence has total capital of $19.05 million. Full information on Saint Lawrence's financial position is located above.

Who owns Saint Lawrence?

Credit Unions are owned by their members.

Where are Saint Lawrence branches located?

See branch locations nearby.

Are Saint Lawrence ATMs Open 24/7?

Do Saint Lawrence ATMs accept cash deposits?

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

Does Saint Lawrence have a mobile app?

Does Saint Lawrence have mobile deposit?

Does Saint Lawrence have quick pay?

How can Saint Lawrence transfer money to other banks or credit unions?

Does Saint Lawrence report to credit bureaus?

Does Saint Lawrence use Chexsystems?

Does Saint Lawrence use Equifax?

What is Saint Lawrence's toll free phone number?

What is Saint Lawrence's ACH Routing Number?

What is Saint Lawrence's SWIFT code?

Where can I find Saint Lawrence's wire transfer form?

What is the Saint Lawrence address for deposits?

What Products Does Saint Lawrence Offer

Does Saint Lawrence offer mortgages?

Compare mortgage rates here.

Does Saint Lawrence offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Saint Lawrence offer auto and RV loans?

Compare auto loan rates here.

Does Saint Lawrence offer student loans or personal loans?

Compare personal loan rates here.

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