MonitorBankRates
☰
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
  1. Home›
  2. Credit Unions›
  3. Griffith Institute Employees Federal Credit Union
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.

Griffith Institute Employees Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: September 21, 2026

Griffith Institute Employees Federal Credit Union's Personal Loan Rates are as low as 7.50%. MonitorBankRates evaluates the financial stability of Griffith Institute Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.70%. Rates last updated and verified on 09/21/2026.

Griffith Institute Employees 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 Griffith Institute Employees Federal Credit Union? Share your experience about Griffith Institute Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Griffith Institute Employees Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.70%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Griffith Institute Employees Federal Credit Union
Grifith Institute EFCU
64 E Main St Ste 3
Springville, NY 14141
https://www.springvillefcu.org/
Member NCUA

Griffith Institute Employees Federal Credit Union Savings Rates

Product Rate APY View More
Club Accounts - 0.55%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Griffith Institute Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle Loans - - 5.25%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Used Vehicle Loans - - 6.25%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Griffith Institute Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Recreational Loans - 6.25%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Used Recreational Loans - 7.25%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Griffith Institute Employees Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Refinanced Education Loans (with payroll deduction) - - 4.00%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Refinanced Education Loans - - 4.20%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Griffith Institute Employees Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 7.50%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Griffith Institute Employees Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of Credit Loans - - 11.00%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Share Accounts - - 0.55%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Griffith Institute Employees Federal Credit Union’s Texas Ratio fell from 9.66% in Q2 2023 to 2.70% in Q1 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 9.66% A Q2 2023 A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A+ Q3 2025 A+ Q4 2025 2.70% A+ Q1 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$6M2.70%5.0A+
December 31, 2025$6M3.01%5.0A+
September 30, 2025$6M5.49%5.0A+
June 30, 2025$6M9.09%5.0A
March 31, 2025$6M7.30%5.0A
December 31, 2024$6M8.78%5.0A
September 30, 2024$6M8.65%5.0A
June 30, 2024$6M8.03%5.0A
March 31, 2024$6M9.33%5.0A
December 31, 2023$6M9.72%5.0A
September 30, 2023$6M9.73%5.0A
June 30, 2023$6M9.66%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Griffith Institute Employees 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 Griffith Institute Employees 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 Griffith Institute Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Griffith Institute Employees Federal Credit Union
Website https://www.springvillefcu.org/
Address 64 E Main St Ste 3, Springville, NY 14141
Phone 716-592-9887
Fax 716-592-9887
President Diane Brady
CEO Sue Bialasik
Full-Time Employees 0
Part-Time Employees 2
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.70%
Return on Assets (ROA)
0.0583%
Return on Equity (ROE)
0.6098%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
6,030,618
Total Amount of Shares and Deposits
5,449,020
Total Shares and Deposits < 1 Year
5,440,449
Total Shares and Deposits 1 3 Years
8,570
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,449,020
Total Interest Expense (Sum of items 6 8)
22,552
Share Certificates
137
Number of Accounts for Regular Shares
606
Net Income (unless the amount is already included in Undivided Earnings)
3,109
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)
703,798
Total Liabilities
5,453,695
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Griffith Institute Employees Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/griffith-institute-employees-federal-credit-union-rates-review-14505">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Griffith Institute Employees 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Griffith Institute Employees Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Griffith Institute Employees Federal Credit Union

How many branches does Griffith Institute Employees Federal Credit Union operate?

Griffith Institute Employees 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 Griffith Institute Employees Federal Credit Union?

Yes, to access services at Griffith Institute Employees 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, Griffith Institute Employees 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, Griffith Institute Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Griffith Institute Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Griffith Institute Employees 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://www.springvillefcu.org/.

Compare to Other Credit Unions

Community 1st Federal Credit Union Hartford Federal Credit Union USALLIANCE St Vincents Medical Center Federal Credit Union Mountain Credit Union Cowboy Country Federal Credit Union Minnesota Power Employees Credit Union FirstCity Credit Union Hershey Robinson Employees Credit Union Northeast Community Credit Union Great Erie Federal Credit Union The New Haven Police and Municipal Federal Credit Union Smmh Federal Credit Union Heartland Credit Union Hutchinson, KS Brookline Municipal Credit Union LES Illinois Educators Credit Union L.E.O Credit Union Education Credit Union Perfect Circle Credit Union Downeast Credit Union