STATE EMPLOYEES

700 PATROON CREEK BLVD
Albany, NY 12206

Phone: 1-518-464-5331

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
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 - June 18, 2019

Your Current Location: Washington, WA 98109

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:

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Loan Rates - June 18, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	5.250%	5.250%	0.00	$0	$1,381	Learn More
NMLS ID: 3030	4.500%	4.500%	0.00	$0	$1,267	Learn More

See More Mortgage Rates →

Featured - Washington 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
Figure Home Equity Line	5.490 %	N/A	Learn More More Info
Approval is contingent upon a full application, and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. The loan amounts, rates, and terms available to you are dependent on many factors, including your credit profile, debt and income at the time of application, and your current loan-to-value (LTV) for the property which you are using as collateral. Annual percentage rates (APRs) will be higher for longer-term loans and properties that are not your primary residence. Loans are only available for single-family residences, townhomes, PUDs, and condos; we are unable to extend loans for other types of dwellings, including but not limited to: multi-family dwellings, co-ops, and manufactured homes. Our APRs range from 4.99% to 14.00%. The lowest APR is only available to consumers with excellent credit. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-3% of your initial draw depending on the state in which your property is located. Five-day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or if the 5-day period includes a weekend or holiday. Funding in 5 days is not available for first lien loans secured by owner-occupied properties in Vermont. Low fixed loan rate. Borrow $15,000-$100,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Low origination fee (included in the loan amount) Potentially tax deductible
Third Federal Savings and Loans	4.490 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 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:
Seattle,Washington

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.

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.

STATE EMPLOYEES

2019 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - June 18, 2019

We do not yet have rates for State Employees

Loan Rates - June 18, 2019

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Featured - Washington Home Equity Line Of Credit Rates 2019

Branches

State Employees Locations

Financial Details

State Employees Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About State Employees

Branches and Savings

What is State Employees?

Is State Employees FDIC insured?

Who can join State Employees?

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

How big is State Employees?

Who owns State Employees?

Where are State Employees branches located?

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?

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

Does State Employees offer auto and RV loans?

Does State Employees offer student loans or personal loans?

Customer Reviews for State Employees