2025 Overview
General Credit Union Information
Uncle Sam is an NCUA insured institution located in Troy, NY. It was founded in 1974 and has approximately $0.4 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 21838 |
| Date Established | 1974 |
| Assets | $0.40 million |
| Loans | $0.10 million |
| Deposits | $0.31 million |
| Capital | $0.08 million |
Deposit Rates - December 15, 2025
Your Current Location: Vermont, VT 10007
We do not yet have rates for Uncle Sam
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Loan Rates - December 15, 2025
Your Current Location: Vermont, VT 10007
There are currently no loan rates available for Uncle Sam
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Vermont 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1907 |
0.000% | 0.000% | 0.00 | $0 | $0 | Learn More |
NMLS ID: 408902 |
5.849% | 5.750% | 0.75 | $3,457 | $1,868 | Learn More |
NMLS ID: 1067 |
5.958% | 5.875% | 0.88 | $2,867 | $1,893 | Learn More |
NMLS ID: 447490 |
5.982% | 5.875% | 0.75 | $3,699 | $1,893 | Learn More |
Featured - Vermont Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
PenFed Credit Union See Table |
0.000 %
|
$0 |
Learn More
More Info |
Figure Home Equity See Table |
Intro APR 6.850 % After Intro: 6.850 % |
$15,000 |
Learn More
More Info |
Valley Strong Credit Union See Table |
Intro APR 6.850 % After Intro: 6.850 % |
$15,000 |
Learn More
More Info |
Note to Uncle Sam
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Uncle Sam 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:
Essex Junction,Vermont
Uncle Sam Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
UNCLE SAM is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Uncle Sam Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Uncle Sam. 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
| Uncle Sam | U.S. Average |
|---|---|
| 1.21% | 5.63 |
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 June 30, 2025, Uncle Sam had $1,131 in non-current loans and $0 in owned assets. To cover these potential losses it had $83,225 in net worth and $10,000 in loans loss reserves. That gives it a Texas Ratio of 1.21%.
Net Worth
| Uncle Sam | U.S. Average |
|---|---|
| 20.99% | 14.29% |
Uncle Sam FCU has a net worth of 20.99% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Uncle Sam
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