|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cadets Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Cadets Federal Credit Union's IRA CD 4 Year rates are at 4.06%, IRA CD 5 Year rates are at 4.06%, IRA CD 2 Year rates are at 3.93%, IRA CD 3 Year rates are at 3.93%, IRA CD 12 Month rates are at 3.80%. Cadets Federal Credit Union's checking rates are as high as 0.20%. Cadets Federal Credit Union's Mortgage - 10 Year rates are at 6.00%, Mortgage - 15 Year rates are at 6.50%, Mortgage - 20 Year rates are at 7.00%, Non-Owner Occupied 10 Year Mortgage rates are at 7.00%, Non-Owner Occupied 12 Year Mortgage rates are at 7.50%. Cadets Federal Credit Union's Personal Loan Rates are as low as 6.25%. Cadets Federal Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cadets Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.25%. Rates last updated and verified on 10/28/2026. Cadets Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cadets Federal Credit Union? Share your experience about Cadets Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cadets Federal Credit Union. Cadets Federal Credit Union
CADETS FEDERAL CREDIT UNION 1751 TRANSIT RD
https://cadetsfcu.com/ ELMA, NY 14059-9687  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Cadets Federal Credit Union CD Rates
Cadets Federal Credit Union Savings Rates
Cadets Federal Credit Union Checking Rates
Cadets Federal Credit Union Mortgage Rates
Cadets Federal Credit Union Home Equity & HELOC
Cadets Federal Credit Union Auto Loan Rates
Cadets Federal Credit Union Personal Loan Rates
Cadets Federal Credit Union Other Rates
Financial Health HistoryCadets Federal Credit Union’s Texas Ratio fell from 14.56% in Q3 2023 to 4.25% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cadets Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cadets Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cadets Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cadets Federal Credit Union
Website
https://cadetsfcu.com/
Address
1751 TRANSIT RD,
ELMA, NY 14059-9687
Phone
716-771-3434
Fax
716-771-3435
President
BRETT MCDERMOTT
CEO
SANDRA KOPACZ
Full-Time Employees
2
Part-Time Employees
6
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.25%
Return on Assets (ROA)
-0.0927%
Return on Equity (ROE)
-1.0795%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
17,695,273
Total Amount of Shares and Deposits
16,141,807
Total Shares and Deposits < 1 Year
13,302,237
Total Shares and Deposits 1 3 Years
2,782,337
Total Shares and Deposits > 3 Years
57,233
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
317,111
Total Uninsured Shares and Deposits > $250K (F+J)
317,111
Total Insured Shares and Deposits > $250K (item 17 less item K)
15,824,696
Total Interest Expense (Sum of items 6 8)
161,975
Share Certificates
203
Number of Accounts for Share Drafts
421
IRA KEOGH Accounts
41
Number of Accounts for Regular Shares
1,644
All other shares
33
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
984,198
Total Liabilities
16,175,083
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Cadets Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cadets Federal Credit Union
Frequently Asked Questions About Cadets Federal Credit UnionDoes Cadets Federal Credit Union offer CDs?Yes. Cadets Federal Credit Union current CD rates include its IRA CD 4 Year at 4.06% APY, its IRA CD 5 Year at 4.06% APY and its IRA CD 2 Year at 3.932% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Cadets Federal Credit Union NCUA insured?Yes. Cadets Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Cadets Federal Credit Union?The highest Cadets Federal Credit Union CD rate is its IRA CD 4 Year at 4.06% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Cadets Federal Credit Union offer?Cadets Federal Credit Union CD rates are 3.55% APY for a 12 month CD, 3.55% APY for an 18 month CD, 3.67% APY for a 2 year CD, 3.932% APY for a 3 year CD, 4.06% APY for a 4 year CD and 3.80% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Cadets Federal Credit Union for its full lineup. What is the highest checking rate at Cadets Federal Credit Union?The highest Cadets Federal Credit Union checking rate is its Premium Share Draft Checking at 0.20% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest mortgage rate at Cadets Federal Credit Union?The lowest Cadets Federal Credit Union mortgage rate is its Mortgage - 10 Year at 6.00% APR, verified by MonitorBankRates as of October 28, 2026. Cadets Federal Credit Union mortgage rates are 7.00% APR for a 20 year mortgage, 6.50% APR for a 15 year mortgage, 7.50% APR for a 12 year mortgage and 6.00% APR for a 10 year mortgage. What is the lowest auto loan rate at Cadets Federal Credit Union?The lowest Cadets Federal Credit Union auto loan rate is its New Autos (2026-2027) at 4.50% APR, verified by MonitorBankRates as of October 28, 2026. Cadets Federal Credit Union auto loan rates are 5.00% APR for a 36 month auto loan, 5.25% APR for a 48 month auto loan, 5.50% APR for a 54 month auto loan, 5.75% APR for a 60 month auto loan, 6.00% APR for a 66 month auto loan, 6.50% APR for a 72 month auto loan, 6.75% APR for a 78 month auto loan and 7.25% APR for an 84 month auto loan. What is the lowest personal loan rate at Cadets Federal Credit Union?The lowest Cadets Federal Credit Union personal loan rate is its Personal Loan - 48 Month at 7.25% APR, verified by MonitorBankRates as of October 28, 2026. Cadets Federal Credit Union personal loan rates are 7.25% APR for a 48 month personal loan and 8.25% APR for a 60 month personal loan. How many branches does Cadets Federal Credit Union operate?Cadets Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Cadets Federal Credit Union?Yes, to access services at Cadets Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Cadets Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cadets Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cadets Federal Credit Union offer online and mobile banking?Most modern institutions like Cadets Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://cadetsfcu.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Cadets Federal Credit Union rates compare?Cadets Federal Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. Cadets Federal Credit Union's top rates are its IRA CD 4 Year at 4.06% APY, its Premium Share Draft Checking at 0.20% APY, its Mortgage - 10 Year at 6.00% and its Debt Consolidation Loan at 6.25% APR, verified by MonitorBankRates on October 28, 2026. Current Cadets Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Numerica Credit Union
California Lithuanian Credit Union
Outreach Federal Credit Union
PrimeSource Credit Union
Skyward Credit Union
Charter Oak Federal Credit Union
Alltru Federal Credit Union
Artesia Credit Union
Southern Middlesex Co Tchrs Credit Union
OAS Staff Federal Credit Union
IBEW 317 Federal Credit Union
Chicago Avenue Garage Federal Credit Union
Denver Fire Department Federal Credit Union
Lower East Side Peoples Federal Credit Union
Fort Dodge Family Credit Union
Metropolitan Teachers Credit Union
Harrison County Federal Credit Union
City Credit Union
Mobile Government Emp Credit Union
Keesler Federal Credit Union
United Employees Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
