State Employees

700 Patroon Creek Blvd
Albany, NY 12206


General Credit Union Information

NCUA Insured Yes
Charter Number # # 51
Date Established 1934
Assets $3,550.87 million
Loans $2,040.35 million
Deposits $3,248.74 million
Capital $251.56 million

State Employees is an NCUA insured institution located in Albany, NY. It was founded in 1934 and has approximately $3550.87 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:

Barker - Binghamton
Green Island
Montgomery County
Otsego County

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.

Savings 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:

1.20% APY Online Savings Account from Ally Bank
1.50% APY 11 Month CD from Ally Bank

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
3.759% 3.750% 0.13 $286 $1,158 Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

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


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:

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
4.36% 6.15%

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. As of June 30, 2017, State Employees had $7,339,722 in non-current loans and $4,540,079 in owned assets. To cover these potential losses it had $251,562,762 in net worth and $20,597,863 in loans loss reserves. That gives it a Texas Ratio of 4.36%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth
State Employees U.S. Average
7.4% 13.03

State Employees FCU has a net worth of 7.4% versus the BestCashCow average of 13.03. 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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