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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.
 Directors Choice 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 30, 2026
Directors Choice Credit Union's 24 Month CD rates are at 3.04%, 36 Month CD rates are at 2.78%, 48 Month CD rates are at 2.78%, 60 Month CD rates are at 2.78%, 18 Month CD rates are at 2.02%. Directors Choice Credit Union's savings rates are at 0.10%. Directors Choice Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.00%. Directors Choice Credit Union's CD rates are 21% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Directors Choice Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.42%. Rates last updated and verified on 10/30/2026. Directors Choice 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 Directors Choice Credit Union? Share your experience about Directors Choice Credit Union by leaving a review below, or read customer reviews before you decide to use Directors Choice Credit Union. Directors Choice Credit Union
DCCU 1 South Family Drive
https://www.directorschoicecu.com Albany, NY 12205  Customer Reviews
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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. Directors Choice Credit Union CD Rates
Directors Choice Credit Union Savings Rates
Directors Choice Credit Union Auto Loan Rates
Directors Choice Credit Union RV, Boat and Powersport Loan Rates
Directors Choice Credit Union Personal Loan Rates
Financial Health HistoryDirectors Choice Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 9.42% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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 Directors Choice 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 Directors Choice 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 Directors Choice Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Directors Choice Credit Union
Address
1 South Family Drive,
Albany, NY 12205
Phone
518-456-2686
Fax
518-452-9065
President
Eugene Guarino
CEO
Linda Isabel
Full-Time Employees
2
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.42%
Return on Assets (ROA)
0.7580%
Return on Equity (ROE)
3.2121%
Non-Performing Loans Ratio (NPL)
4.58%
Total Assets
11,930,774
Total Amount of Shares and Deposits
9,115,800
Total Shares and Deposits < 1 Year
3,875,062
Total Shares and Deposits 1 3 Years
4,874,185
Total Shares and Deposits > 3 Years
366,552
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,699,362
Total Uninsured Shares and Deposits > $250K (F+J)
1,699,362
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,416,438
Total Interest Expense (Sum of items 6 8)
118,619
Share Certificates
241
Number of Accounts for Share Drafts
123
IRA KEOGH Accounts
60
Number of Accounts for Regular Shares
731
All other shares
38
Non Member Deposits
2
Money Market Shares
45
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)
3,362,920
Total Liabilities
9,116,553
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Directors Choice Credit UnionDoes Directors Choice Credit Union offer CDs?Yes. Directors Choice Credit Union current CD rates include its 24 Month CD at 3.04% APY, its 36 Month CD at 2.78% APY and its 48 Month CD at 2.78% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Directors Choice Credit Union NCUA insured?Yes. Directors Choice 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 Directors Choice Credit Union?The highest Directors Choice Credit Union CD rate is its 24 Month IRA CD at 3.04% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Directors Choice Credit Union offer?Directors Choice Credit Union CD rates are 0.70% APY for a 12 month CD, 2.02% APY for an 18 month CD, 3.04% APY for a 2 year CD, 2.78% APY for a 3 year CD, 2.78% APY for a 4 year CD and 2.78% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Directors Choice Credit Union for its full lineup. What is the highest savings rate at Directors Choice Credit Union?The highest Directors Choice Credit Union savings rate is its Basic Banking Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Directors Choice Credit Union?The lowest Directors Choice Credit Union auto loan rate is its New Auto Loan at 5.25% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Directors Choice Credit Union?The lowest Directors Choice Credit Union personal loan rate is its Motorcycles, RVs, Boats, Personal Watercraft, Snowmobiles & ATVs - New Loan at 7.00% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Directors Choice Credit Union operate?Directors Choice 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 Directors Choice Credit Union?Yes, to access services at Directors Choice 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, Directors Choice 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, Directors Choice Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Directors Choice Credit Union offer online and mobile banking?Most modern institutions like Directors Choice 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://www.directorschoicecu.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 Directors Choice Credit Union rates compare?Directors Choice Credit Union's CD rates are 21% lower than the MonitorBankRates national average, and it has an A health rating. Directors Choice Credit Union's top rates are its 24 Month IRA CD at 3.04% APY, its Basic Banking Savings at 0.10% APY and its Motorcycles, RVs, Boats, Personal Watercraft, Snowmobiles & ATVs - New Loan at 7.00% APR, verified by MonitorBankRates on October 30, 2026. Current Directors Choice Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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