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Advertiser Disclosure
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 Directors Choice Credit Union Rates & Review April 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.
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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: April 19, 2026
Directors Choice Credit Union's 24 Month IRA CD rates are at 3.04%, 24 Month CD rates are at 3.04%, 36 Month IRA CD rates are at 2.78%, 36 Month CD rates are at 2.78%, 48 Month IRA CD rates are at 2.78%. Directors Choice Credit Union's savings rates are at 0.10%. Directors Choice Credit Union's Personal Loan Rates are at 7.00%. MonitorBankRates evaluates the financial stability of Directors Choice Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/19/2026. 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 
Directors Choice Credit Union CD Rates
Directors Choice Credit Union Savings Rates
Directors Choice Credit Union Personal Loan Rates
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
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
1.7083%
Return on Equity (ROE)
7.6805%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
12,090,878
Total Amount of Shares and Deposits
9,403,664
Total Shares and Deposits < 1 Year
3,690,540
Total Shares and Deposits 1 3 Years
5,247,567
Total Shares and Deposits > 3 Years
465,556
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,812,319
Total Uninsured Shares and Deposits > $250K (F+J)
1,931,319
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,472,345
Total Interest Expense (Sum of items 6 8)
156,994
Share Certificates
257
Number of Accounts for Share Drafts
130
IRA KEOGH Accounts
64
Number of Accounts for Regular Shares
751
All other shares
43
Non Member Deposits
2
Money Market Shares
47
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,200,199
Total Liabilities
9,404,320
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Directors Choice Credit UnionIs Directors Choice Credit Union a safe place to deposit money?Yes, Directors Choice Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Directors Choice Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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