State Employees Federal Credit Union

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A short history of State Employees FCU

Since its inception in 1934 the State Employees Federal Credit Union has been serving its members in the ALBANY, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Michael Castellana, the State Employees FCU has grown its membership to over 354,607 with assets of more than $3,550,873,556. They have a main office and 47 branch offices. Please see the credit unions website or contact them by phone at (518) 464-5331 or email them at sefcuhelp@sefcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ALBANY, NY.

General Information For State Employees FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 51
Address 700 PATROON CREEK BLVD 
City ALBANY 
State New York 
Zip-Code 12206
Phone Number (518) 464-5331
Fax Number (518) 464-5227
Email Address: sefcuhelp@sefcu.com
CEO/President Michael Castellana
Members 354,607 
Full-Time Employees 845 
Part-Time Employees 31 
Number of Branch Offices 47 
Total Assets 3,550,873,556 
Website http://www.sefcu.com 

Compare State Employees Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Albany City Lodge K Of P 540 CU Albany City Lodge 10 N RUSSELL RD STE 3 12206 (518) 438-2224 No 0.45
Albany Firemens CU Uncle Sam Branch 433 River St 12180 (518) 273-3444 No 0.81
Health Employees CU St. Peter's Hospital 315 S Manning Blvd 12208 (518) 525-1655 No 1.83
Fasny CU FASNY Federal Credit Union 107 Washington Ave 12210 (518) 434-3709 No 2.22
Capital Communications CU Niskayuna Branch 582 Balltown Rd 12205 (518) 458-2195 No 2.81

State Employees Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


State Employees Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.74 1.99 2.49 4.00 2.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 138 34 51 138 9
Rank Among All New York Credit Unions 19 12 19 48 4

State Employees Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.50 0.70 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 60 224 259
Rank Among All New York Credit Unions N/A 34 13 54 69
State Employees Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.74035,67454,960,513
All Other Unsecured Loans/Lines of Credit 9.75052,927255,714,784
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 9.0001,30210,495,047
New Vehicle Loans 1.99024,482413,253,818
Used Vehicle Loans 2.49013,160118,976,055
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00010,185800,283,827
Total Other Real Estate Loans/Lines of Credit 2.5005,632190,696,674
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.2404,646195,971,492
TOTAL LOANS & LEASES 148,0082,040,352,210

State Employees Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 44649,598,893616110,362,775
    b. 15 Years or less 6,635351,833,46237350,535,167
Balloon/Hybrid
    a. > 15 years 1029,801,885722,051,250
    b. 15 Years or less 7274,917,23963,889,672
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 2,318141,898,85111527,524,275
Adjustable Rate > 1 yr 704152,233,49711905,100

OTHER REAL ESTATE

Closed-End Fixed Rate 3,03987,540,35532512,336,800
Closed-End Adjustable Rate 138400
Open-End Adjustable Rate 2,592103,155,93529915,116,500
Open-End Fixed Rate 0000
TOTALS 15,817990,980,5011,752242,721,539

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

State Employees Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes