School Systems


150 Defreest Dr
Troy, NY 12180
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
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

School Systems is an NCUA insured institution located in Troy, NY. It was founded in 1954 and has approximately $106.66 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9486
Date Established 1954
Assets $106.66 million
Loans $36.44 million
Deposits $98.56 million
Capital $8.04 million

Field of Membership Restrictions

Membership is open to employees of Averill Park School District, East Greenbush Central School District, Latham Christian Academy, Berlin School District Menands Union-Free School, Albany College of Pharmacy, Siena College, and other select organizations.

Deposit Rates - June 13, 2021

Your Current Location: California, CA 92111

We do not yet have rates for School Systems

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Loan Rates - June 13, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for SCHOOL SYSTEMS

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

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
2.652% 2.625% 0.38 $898 $1,005 Learn More
Morty, Inc.
NMLS ID: 1429243
2.472% 2.375% 0.88 $3,215 $972 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.686% 2.625% 0.75 $2,008 $1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$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 School Systems 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:
San Diego,California

School Systems Locations

Financial Details

School Systems Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of School Systems. 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
School Systems U.S. Average
1.97% 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, School Systems had $161,237 in non-current loans and $0 in owned assets. To cover these potential losses it had $8,043,661 in net worth and $151,268 in loans loss reserves. That gives it a Texas Ratio of 1.97%.

Net Worth
School Systems U.S. Average
7.84% 12.67%

School Systems FCU has a net worth of 7.84% 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 School Systems

Branches and Savings

What is School Systems?

A federal credit union, registered with the NCUA under certificate #9486.
Learn more about credit unions here.

Is School Systems 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. School Systems is insured by the NCUA.

Who can join School Systems?

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

What are School Systems's share account and share certificate rates?

School Systems'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 School Systems?

School Systems has total capital of $8.04 million. Full information on School Systems's financial position is located above.

Who owns School Systems?

Credit Unions are owned by their members.

Where are School Systems branches located?

See branch locations nearby.

Are School Systems ATMs Open 24/7?

Do School Systems ATMs accept cash deposits?

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

Does School Systems have a mobile app?

Does School Systems have mobile deposit?

Does School Systems have quick pay?

How can School Systems transfer money to other banks or credit unions?

Does School Systems report to credit bureaus?

Does School Systems use Chexsystems?

Does School Systems use Equifax?

What is School Systems's toll free phone number?

What is School Systems's ACH Routing Number?

What is School Systems's SWIFT code?

Where can I find School Systems's wire transfer form?

What is the School Systems address for deposits?

What Products Does School Systems Offer

Does School Systems offer mortgages?

Compare mortgage rates here.

Does School Systems offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does School Systems offer auto and RV loans?

Compare auto loan rates here.

Does School Systems offer student loans or personal loans?

Compare personal loan rates here.

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