Po Box 86
Spencerport, NY 14559
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
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

Spencerport is an NCUA insured institution located in Spencerport, NY. It was founded in 1962 and has approximately $34.09 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 14884
Date Established 1962
Assets $34.09 million
Loans $17.81 million
Deposits $31.37 million
Capital $2.55 million

Field of Membership Restrictions

Membership is open to those who live, worship, work, attend school or volunteer in Ogden, Gates, Parma, Riga, Greece, Chili, or Sweden in Monroe County, New York.

Deposit Rates - April 18, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Spencerport

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Note to Spencerport
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Loan Rates - April 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPENCERPORT

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
Morty, Inc.
NMLS ID: 1429243
2.670% 2.625% 0.13 $1,455 $1,005 Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$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 Spencerport 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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Spencerport Locations

Financial Details

Spencerport Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spencerport. 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
Spencerport U.S. Average
6.20% 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, Spencerport had $165,107 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,553,362 in net worth and $109,719 in loans loss reserves. That gives it a Texas Ratio of 6.20%.

Net Worth
Spencerport U.S. Average
7.49% 12.67%

Spencerport FCU has a net worth of 7.49% 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 Spencerport

Branches and Savings

What is Spencerport?

A federal credit union, registered with the NCUA under certificate #14884.
Learn more about credit unions here.

Is Spencerport 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. Spencerport is insured by the NCUA.

Who can join Spencerport?

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

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

Spencerport'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 Spencerport?

Spencerport has total capital of $2.55 million. Full information on Spencerport's financial position is located above.

Who owns Spencerport?

Credit Unions are owned by their members.

Where are Spencerport branches located?

See branch locations nearby.

Are Spencerport ATMs Open 24/7?

Do Spencerport ATMs accept cash deposits?

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

Does Spencerport have a mobile app?

Does Spencerport have mobile deposit?

Does Spencerport have quick pay?

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

Does Spencerport report to credit bureaus?

Does Spencerport use Chexsystems?

Does Spencerport use Equifax?

What is Spencerport's toll free phone number?

What is Spencerport's ACH Routing Number?

What is Spencerport's SWIFT code?

Where can I find Spencerport's wire transfer form?

What is the Spencerport address for deposits?

What Products Does Spencerport Offer

Does Spencerport offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Spencerport offer auto and RV loans?

Compare auto loan rates here.

Does Spencerport offer student loans or personal loans?

Compare personal loan rates here.

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