State Employees
700 Patroon Creek Blvd
Albany, NY 12206
See all branch locations →
Phone 1-518-464-5331
2021 Overview
General Credit Union Information
State Employees is an NCUA insured institution located in Albany, NY. It was founded in 1934 and has approximately $5262.79 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 | $5,262.79 million |
| Loans | $2,667.85 million |
| Deposits | $4,848.13 million |
| Capital | $357.70 million |
Field of Membership Restrictions
Deposit Rates - July 26, 2021
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
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It is free to register and add rates.
Loan Rates - July 26, 2021
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 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.349% | 3.250% | 0.75 | $3,125 | $1,089 | Learn More |
NMLS ID: 1799947 |
2.656% | 2.625% | 0.38 | $1,008 | $1,005 | Learn More |
NMLS ID: 3030 |
3.465% | 3.375% | 0.63 | $2,812 | $1,106 | Learn More |
|
NMLS ID: 3030 |
3.349% | 3.250% | 0.75 | $3,125 | $1,089 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
BMO Harris Bank See Table |
4.840 %
|
$0 |
Learn More
More Info |
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 See Table |
2.240 %
|
$0 |
Learn More
More Info |
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
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 |
|---|---|
| 3.43% | 4.38 |
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 March 31, 2021, State Employees had $10,169,055 in non-current loans and $3,402,705 in owned assets. To cover these potential losses it had $357,702,563 in net worth and $37,426,396 in loans loss reserves. That gives it a Texas Ratio of 3.43%.
Net Worth
| State Employees | U.S. Average |
|---|---|
| 7.33% | 12.20% |
State Employees FCU has a net worth of 7.33% versus the BestCashCow average of 12.20. 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 State Employees
Branches and Savings
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. 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. State Employees is insured by the NCUA.
Who can join State Employees?
Please see Field of Membership information above for information on who is eligible to join.
How big is State Employees?
State Employees has total capital of $357.70 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 home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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