State Employees

700 Patroon Creek Blvd
Albany, NY 12206

Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 51
Date Established 1934
Assets $3,508.81 million
Loans $2,109.66 million
Deposits $3,181.35 million
Capital $257.22 million

State Employees is an NCUA insured institution located in Albany, NY. It was founded in 1934 and has approximately $3508.81 millions in assets.

Who can become a SEFCU member?

You can, if you meet one of the following requirements:

You are an employee (current or retired), member, or volunteer of a participating SEFCU member group.
You live, work, attend school, or worship in one of these cities or towns:

Albany
Amherst
Barker - Binghamton
Barton
Berkshire
Binghamton
Buffalo
Candor
Cohoes
Colesville
Conklin
Dickinson
Green Island
Kirkwood
Lisle
Lackawanna
Maine
Mechanicville
Montgomery County
Nichols
Nanticoke
Otsego County
Rensselaer
Richford
Sanford
Schenectady
Spencer
Syracuse
Triangle
Troy
Union
Watervliet

A member of your immediate family is a SEFCU member or qualifies for membership.

Field of Membership Restrictions

Membership in State Employees Federal Credit Union is open to those who are employees (current or retired), member, or volunteer of a participating SEFCU member group or live, work, attend school, or worship in one of these cities or towns: Albany, Amherst, Barker - Binghamton, Barton, Berkshire, Binghamton, Buffalo, Candor, Cohoes, Colesville, Conklin, Dickinson, Green Island, Kirkwood, Lisle, Lackawanna, Maine, Mechanicville, Montgomery County, Nichols, Nanticoke, Otsego County, Rensselaer, Richford, Sanford, Schenectady, Spencer, Syracuse, Triangle, Troy, Union or Watervliet. Membership is also open to employees of the state of New York, New York Power Authority, and over 1,000 Select Employer Groups.

Deposit Rates

Your Current Location: Virginia, VA 20146

We do not yet have rates for State Employees

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to State Employees
To upload and update your credit union's rates please register. It is free to register and add rates.

There are currently no rates available for State Employees, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for STATE EMPLOYEES

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,190 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

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

Branches

Below are State Employees 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:
Ashburn,Virginia


State Employees Locations

Financial Details

State Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State Employees. 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
State Employees U.S. Average
4.50% 7.77

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 September 30, 2017, State Employees had $8,145,485 in non-current loans and $4,430,324 in owned assets. To cover these potential losses it had $257,218,834 in net worth and $22,511,730 in loans loss reserves. That gives it a Texas Ratio of 4.50%.

Net Worth
State Employees U.S. Average
7.43% 13.15%

State Employees FCU has a net worth of 7.43% versus the BestCashCow average of 13.15. 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 On State Employees

What is State Employees?

A federal credit union, registered with the NCUA under certificate #51.
Learn more about credit unions here.

Is State Employees 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 State Employees?

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

What are State Employees's share account and share certificate rates?

State Employees'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 State Employees?

State Employees has total capital of $257.22 million. Full information on State Employees's financial position is located above.

Who owns State Employees?

Credit Unions are owned by their members.

Where are State Employees branches located?

See branch locations nearby.

Are State Employees ATMs Open 24/7?

Do State Employees ATMs accept cash deposits?

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

Does State Employees have a mobile app?

Does State Employees have mobile deposit?

Does State Employees have quick pay?

How can State Employees transfer money to other banks or credit unions?

Does State Employees report to credit bureaus?

Does State Employees use Chexsystems?

Does State Employees use Equifax?

What is State Employees's toll free phone number?

What is State Employees's ACH Routing Number?

What is State Employees's SWIFT code?

Where can I find State Employees's wire transfer form?

What is the State Employees address for deposits?

What Products Does State Employees Offer

Does State Employees offer mortgages?

Compare mortgage rates here.

Does State Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does State Employees offer auto and RV loans?

Compare auto loan rates here.

Does State Employees offer student loans or personal loans?

Compare personal loan rates here.

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