STATE EMPLOYEES

700 PATROON CREEK BLVD
Albany, NY 12206

Phone: 1-518-464-5331

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
Reviews

2019 Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 51
Date Established	1934
Assets	$3,755.48 million
Loans	$2,358.23 million
Deposits	$3,412.55 million
Capital	$296.36 million

State Employees is an NCUA insured institution located in Albany, NY. It was founded in 1934 and has approximately $3755.48 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 - April 21, 2019

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.

Back to State Employees

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:

2.25% APY Platinum Online Savings Account from Northfield Bank

Advertiser Disclosure

Loan Rates - April 21, 2019

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 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	5.375%	5.375%	0.00	$0	$1,400	Learn More
NMLS ID: 2925 License#: MC-1875	4.030%	4.000%	0.38	$892	$1,194	Learn More

See More Mortgage Rates →

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union	5.500 %	$0	Learn More More Info
Variable APR of Prime + 0% (Floor 3.75%). APR based on LTV of 80% or lower, for loan amounts $10,000 - $400,000. Save when you borrow from PenFed! Equal housing lender. Available to members online seven days a week, 24 hours a day Federally insured by NCUA
Third Federal Savings and Loans	4.490 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in OH/FL; Prime minus .76% in all other states. Min loan amount $10,000. Max loan amount $150,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

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
9.91%	7.49

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, 2018, State Employees had $27,776,749 in non-current loans and $4,313,776 in owned assets. To cover these potential losses it had $296,357,318 in net worth and $27,397,350 in loans loss reserves. That gives it a Texas Ratio of 9.91%.

Net Worth

State Employees	U.S. Average
7.9%	13.61%

State Employees FCU has a net worth of 7.9% versus the BestCashCow average of 13.61. 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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