Garden City Par, NY 11040

Notable Rates APY Vs.Others
Savings 0.15% 2.25% →
1-Year CD 1.65% 2.25% →
2-Year CD 1.90% 2.50% →
5-Year CD 2.15% 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

Sperry Associates is an NCUA insured institution located in Garden City Par, NY. It was founded in 1936 and has approximately $265.98 millions in assets.

Who can join?

If you live, work, worship, attend school, belong to a club, or conduct business in Nassau County, you are eligible for membership. Once you're a member, your parents, siblings, children, grandparents, grandchildren, and household members are also eligible for membership, even if they reside outside of Nassau County.
Sperry Federal Credit Union welcomes businesses and local organizations to join Sperry. Interested parties in Nassau County may request a free presentation for all employees and members to learn about Sperry's benefits.

NCUA Insured Yes
Charter Number # # 1787
Date Established 1936
Assets $265.98 million
Loans $175.38 million
Deposits $243.85 million
Capital $21.65 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, belong to a club, or conduct business in Nassau County.

Deposit Rates - December 16, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $2,500 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.65% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.30% $500 - Learn MoreShow Less
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.65% $500 - Learn MoreShow Less
18 Mo CD
1.75% $500 - Learn MoreShow Less
24 Mo CD
1.90% $500 - Learn MoreShow Less
30 Mo CD
1.95% $500 - Learn MoreShow Less
36 Mo CD
2.00% $500 - Learn MoreShow Less
48 Mo CD
2.10% $500 - Learn MoreShow Less
60 Mo CD
2.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.40% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.35% $5,000 - Learn MoreShow Less

Loan Rates - December 16, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPERRY ASSOCIATES

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 2019

Lender APR Rate (%) Points Fees Monthly
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#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut 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
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$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 Sperry Associates 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:

Sperry Associates Locations

Financial Details

Sperry Associates Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sperry Associates. 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
Sperry Associates U.S. Average
4.04% 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, Sperry Associates had $880,581 in non-current loans and $77,888 in owned assets. To cover these potential losses it had $21,650,742 in net worth and $2,056,808 in loans loss reserves. That gives it a Texas Ratio of 4.04%.

Net Worth
Sperry Associates U.S. Average
8.47% 13.65%

Sperry Associates FCU has a net worth of 8.47% 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 Sperry Associates

Branches and Savings

What is Sperry Associates?

A federal credit union, registered with the NCUA under certificate #1787.
Learn more about credit unions here.

Is Sperry Associates 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 Sperry Associates?

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

What are Sperry Associates's share account and share certificate rates?

Sperry Associates'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 Sperry Associates?

Sperry Associates has total capital of $21.65 million. Full information on Sperry Associates's financial position is located above.

Who owns Sperry Associates?

Credit Unions are owned by their members.

Where are Sperry Associates branches located?

See branch locations nearby.

Are Sperry Associates ATMs Open 24/7?

Do Sperry Associates ATMs accept cash deposits?

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

Does Sperry Associates have a mobile app?

Does Sperry Associates have mobile deposit?

Does Sperry Associates have quick pay?

How can Sperry Associates transfer money to other banks or credit unions?

Does Sperry Associates report to credit bureaus?

Does Sperry Associates use Chexsystems?

Does Sperry Associates use Equifax?

What is Sperry Associates's toll free phone number?

What is Sperry Associates's ACH Routing Number?

What is Sperry Associates's SWIFT code?

Where can I find Sperry Associates's wire transfer form?

What is the Sperry Associates address for deposits?

What Products Does Sperry Associates Offer

Does Sperry Associates offer mortgages?

Compare mortgage rates here.

Does Sperry Associates offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sperry Associates offer auto and RV loans?

Compare auto loan rates here.

Does Sperry Associates offer student loans or personal loans?

Compare personal loan rates here.

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