60 Colver Avenue
Groton, CT 06340

Notable Rates APY Vs.Others
Savings 0.05% 2.25% →
1-Year CD 0.40% 2.25% →
2-Year CD 0.60% 2.50% →
5-Year CD 1.35% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Scient is an NCUA insured institution located in Groton, CT. It was founded in 1983 and has approximately $265.09 millions in assets.

Who can join?

There are several ways to qualify for membership with Scient Federal Credit Union.

Pharma family connection:

You are eligible to join if:

You currently work for or retired from Pfizer, Inc, or one of its contractors.
You have a family relationship with a member who currently works for or retired from Pfizer, Inc or one of its contractors.
You are the widow of someone who worked for or retired from Pfizer, Inc.
Strategic partner affiliation:

You are eligible to join if:

You currently belong to or join an organization on our strategic partner list.
You have a family relationship with a member who belongs to an organization on our strategic partner list.
Local community connection:

You are eligible to join if you live, work (or regularly conduct business in), worship or attend school in, businesses and other legal entities located in these 12 census tracts in New London, Connecticut (6901, 6902, 6903, 6904, 6905, 6907, 6908, 7022.01, 7022.02, 7023, 7025, 7027)

NCUA Insured Yes
Charter Number # # 24029
Date Established 1983
Assets $265.09 million
Loans $221.69 million
Deposits $239.13 million
Capital $23.19 million

Field of Membership Restrictions

Membership is open to those who live, work, regularly conduct business in, worship or attend school in Groton or New London, CT. (Membership requirements are listed in the credit union's online application)

Deposit Rates - December 12, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $2,500 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $74,999 Learn MoreShow Less
Fixed IRA
0.50% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.40% $500 - Learn MoreShow Less
24 Mo CD
0.60% $500 - Learn MoreShow Less
36 Mo CD
1.04% $500 - Learn MoreShow Less
48 Mo CD
1.20% $500 - Learn MoreShow Less
60 Mo CD
1.35% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.50% $2,500 - Learn MoreShow Less

Loan Rates - December 12, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SCIENT

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($252) $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

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


Below are Scient 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:

Scient Locations

Financial Details

Scient Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Scient. 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
Scient U.S. Average
10.41% 5.86

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 June 30, 2019, Scient had $2,507,072 in non-current loans and $58,225 in owned assets. To cover these potential losses it had $23,194,078 in net worth and $1,455,282 in loans loss reserves. That gives it a Texas Ratio of 10.41%.

Net Worth
Scient U.S. Average
8.74% 13.65%

Scient FCU has a net worth of 8.74% versus the BestCashCow average of 13.65. 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 Scient

Branches and Savings

What is Scient?

A federal credit union, registered with the NCUA under certificate #24029.
Learn more about credit unions here.

Is Scient 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 Scient?

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

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

Scient'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 Scient?

Scient has total capital of $23.19 million. Full information on Scient's financial position is located above.

Who owns Scient?

Credit Unions are owned by their members.

Where are Scient branches located?

See branch locations nearby.

Are Scient ATMs Open 24/7?

Do Scient ATMs accept cash deposits?

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

Does Scient have a mobile app?

Does Scient have mobile deposit?

Does Scient have quick pay?

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

Does Scient report to credit bureaus?

Does Scient use Chexsystems?

Does Scient use Equifax?

What is Scient's toll free phone number?

What is Scient's ACH Routing Number?

What is Scient's SWIFT code?

Where can I find Scient's wire transfer form?

What is the Scient address for deposits?

What Products Does Scient Offer

Does Scient offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Scient offer auto and RV loans?

Compare auto loan rates here.

Does Scient offer student loans or personal loans?

Compare personal loan rates here.

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