State Employees Federal Credit Union
700 Patroon Creek Blvd
Albany, NY 12206
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Phone 1-518-464-5331
2022 Overview
General Credit Union Information
State Employees is an NCUA insured institution located in Albany, NY. It was founded in 1934 and has approximately $5447.07 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.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 51 |
| Date Established | 1934 |
| Assets | $5,447.07 million |
| Loans | $2,795.20 million |
| Deposits | $5,033.28 million |
| Capital | $387.65 million |
Field of Membership Restrictions
Deposit Rates - June 28, 2022
Your Current Location: California, CA 92111
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
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Loan Rates - June 28, 2022
Your Current Location: California, CA 92111
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 - California 30 Year Fixed Mortgage Rates 2022
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 330511 |
5.579% | 5.500% | 0.88 | $2,178 | $1,420 | Learn More |
NMLS ID: 1708856 License#: 02058287 |
5.348% | 5.250% | 0.63 | $2,758 | $1,381 | Learn More |
NMLS ID: 2890 License#: 413-0477 |
5.483% | 5.375% | 0.75 | $3,012 | $1,400 | Learn More |
|
NMLS ID: 330511 |
5.579% | 5.500% | 0.88 | $2,178 | $1,420 | Learn More |
Featured - California Home Equity Line Of Credit Rates 2022
| Lender | APR (%)? | Monthly Payment? | 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:
San Diego,California
Climate Initiatives
STATE EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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 |
|---|---|
| 4.35% | 4.85 |
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, 2021, State Employees had $16,260,865 in non-current loans and $2,250,423 in owned assets. To cover these potential losses it had $387,652,173 in net worth and $37,832,644 in loans loss reserves. That gives it a Texas Ratio of 4.35%.
Net Worth
| State Employees | U.S. Average |
|---|---|
| 7.22% | 12.36% |
State Employees FCU has a net worth of 7.22% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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