PO BOX 503
Westfield, NY 14787
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Notable Rates APY Vs.Others
Savings N.A. 1.60% →
1-Year CD N.A. 1.55% →
2-Year CD N.A. 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Westfield Area is an NCUA insured institution located in Westfield, NY. It was founded in 1953 and has approximately $3.58 millions in assets.

NCUA Insured Yes
Charter Number # # 8529
Date Established 1953
Assets $3.58 million
Loans $1.66 million
Deposits $3.33 million
Capital $0.25 million

Deposit Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Westfield Area

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Loan Rates - June 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WESTFIELD AREA

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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Below are Westfield Area branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Westfield Area Locations

Financial Details

Westfield Area Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Westfield Area. 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
Westfield Area U.S. Average
25.87% 5.92

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 September 30, 2019, Westfield Area had $67,633 in non-current loans and $0 in owned assets. To cover these potential losses it had $252,978 in net worth and $8,438 in loans loss reserves. That gives it a Texas Ratio of 25.87%.

Net Worth
Westfield Area U.S. Average
7.56% 13.86%

Westfield Area FCU has a net worth of 7.56% versus the BestCashCow average of 13.86. 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 Westfield Area

Branches and Savings

What is Westfield Area?

A federal credit union, registered with the NCUA under certificate #8529.
Learn more about credit unions here.

Is Westfield Area FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Westfield Area?

Please see Field of Membership information above for information on who is eligible to join.

What are Westfield Area's share account and share certificate rates?

Westfield Area's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Westfield Area?

Westfield Area has total capital of $0.25 million. Full information on Westfield Area's financial position is located above.

Who owns Westfield Area?

Credit Unions are owned by their members.

Where are Westfield Area branches located?

See branch locations nearby.

Are Westfield Area ATMs Open 24/7?

Do Westfield Area ATMs accept cash deposits?

Can Westfield Area customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Westfield Area have a mobile app?

Does Westfield Area have mobile deposit?

Does Westfield Area have quick pay?

How can Westfield Area transfer money to other banks or credit unions?

Does Westfield Area report to credit bureaus?

Does Westfield Area use Chexsystems?

Does Westfield Area use Equifax?

What is Westfield Area's toll free phone number?

What is Westfield Area's ACH Routing Number?

What is Westfield Area's SWIFT code?

Where can I find Westfield Area's wire transfer form?

What is the Westfield Area address for deposits?

What Products Does Westfield Area Offer

Does Westfield Area offer mortgages?

Compare mortgage rates here.

Does Westfield Area offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Westfield Area offer auto and RV loans?

Compare auto loan rates here.

Does Westfield Area offer student loans or personal loans?

Compare personal loan rates here.

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