Ellafi Federal Credit Union
Headquarters
524 South Main Street
Middletown, CT 06457
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2025 Overview
General Credit Union Information
Ellafi is an NCUA insured institution located in Middletown, CT. It was founded in 1935 and has approximately $175.4 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 854 |
| Date Established | 1935 |
| Assets | $175.40 million |
| Loans | $113.52 million |
| Deposits | $158.72 million |
| Capital | $13.65 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, attend school, or volunteer in Middlesex County and the towns of Cheshire, East Haven, Branford, Madison, Guilford, Meriden, North Haven, North Branford, or Wallingford.
Deposit Rates - November 8, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.10% | $10,000 | $14,999 |
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|
|
Premium Money Market Account
|
0.10% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
Loan Rates - November 8, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for Ellafi
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1907 |
0.000% | 0.000% | 0.00 | $0 | $0 | Learn More |
NMLS ID: 3030 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
PenFed Credit Union See Table |
0.000 %
|
$0 |
Learn More
More Info |
Figure Home Equity See Table |
Intro APR 6.850 % After Intro: 6.850 % |
$15,000 |
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More Info |
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Four Leaf Federal Credit Union See Table |
Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Note to Ellafi
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Ellafi 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:
New York City,New York
Ellafi Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 86.81 | A | View Lobby Hours | |
| 91.81 | B | View Lobby Hours | |
| 91.86 | C | View Lobby Hours | |
| 92.14 | D | View Lobby Hours | |
| 93.46 | E | View Lobby Hours |
Climate Policy and Initiatives
ELLAFI is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Ellafi Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ellafi. 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
| Ellafi | U.S. Average |
|---|---|
| 2.79% | 5.63 |
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, 2025, Ellafi had $352,347 in non-current loans and $41,274 in owned assets. To cover these potential losses it had $13,646,169 in net worth and $471,275 in loans loss reserves. That gives it a Texas Ratio of 2.79%.
Net Worth
| Ellafi | U.S. Average |
|---|---|
| 7.88% | 14.29% |
Ellafi FCU has a net worth of 7.88% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Ellafi
Robert
October 9, 2019 |
POOR CUSTOMER SERVICE ,ATTITUDES , NO CALL BACK WHEN YOU LEAVE A VOICEMAIL , AND ABUSIVE TO A SENIOR CITIZEN ,NO COMMON COURTESY
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