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Advertiser Disclosure
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Local 804 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
Local 804 Credit Union's 36 Month CD rates are at 2.93%, 24 Month CD rates are at 2.83%, 18 Month CD rates are at 2.62%, 12 Month CD rates are at 2.27%, 6 Month CD rates are at 2.02%. Local 804 Credit Union's savings rates are at 2.52%. Local 804 Credit Union's checking rates are as high as 0.50%. Local 804 Credit Union's Personal Loan Rates are as low as 9.75%. Local 804 Credit Union's Credit Card Rates are at 9.99%. Local 804 Credit Union's CD rates are 12% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Local 804 Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.96%. Rates last updated and verified on 10/30/2026. Local 804 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 Local 804 Credit Union? Share your experience about Local 804 Credit Union by leaving a review below, or read customer reviews before you decide to use Local 804 Credit Union. Local 804 Credit Union
Local 804 FCU 44 S Bayles Ave Ste 204
http://www.cu804.org Port Washington, NY 11050-3765  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. Local 804 Credit Union CD Rates
Local 804 Credit Union Savings Rates
Local 804 Credit Union Checking Rates
Local 804 Credit Union Auto Loan Rates
Local 804 Credit Union RV, Boat and Powersport Loan Rates
Local 804 Credit Union Credit Card Rates
Local 804 Credit Union Personal Loan Rates
Local 804 Credit Union Other Rates
Financial Health HistoryLocal 804 Credit Union’s Texas Ratio fell from 9.74% in Q3 2023 to 6.96% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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 Local 804 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 Local 804 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 Local 804 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Local 804 Credit Union
Website
http://www.cu804.org
Address
44 S Bayles Ave Ste 204,
Port Washington, NY 11050-3765
Phone
718-878-4622
Fax
718-878-4623
President
Myles Dunn
CEO
Ysemny Abood
Full-Time Employees
4
Part-Time Employees
0
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 (97/100)
Texas Ratio
6.96%
Return on Assets (ROA)
1.1496%
Return on Equity (ROE)
3.7410%
Non-Performing Loans Ratio (NPL)
3.71%
Total Assets
22,478,228
Total Amount of Shares and Deposits
15,561,727
Total Shares and Deposits < 1 Year
15,491,729
Total Shares and Deposits 1 3 Years
70,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,748
Total Uninsured Shares and Deposits > $250K (F+J)
6,748
Total Insured Shares and Deposits > $250K (item 17 less item K)
15,554,979
Total Interest Expense (Sum of items 6 8)
44,977
Share Certificates
4
Number of Accounts for Share Drafts
1,460
Number of Accounts for Regular Shares
3,197
All other shares
441
Non Member Deposits
4
Net Income (unless the amount is already included in Undivided Earnings)
260,186
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)
277,302
Total Liabilities
15,570,504
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Local 804 Credit Union
Frequently Asked Questions About Local 804 Credit UnionDoes Local 804 Credit Union offer CDs?Yes. Local 804 Credit Union current CD rates include its 36 Month CD at 2.932% APY, its 24 Month CD at 2.83% APY and its 18 Month CD at 2.625% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Local 804 Credit Union NCUA insured?Yes. Local 804 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 Local 804 Credit Union?The highest Local 804 Credit Union CD rate is its 36 Month CD at 2.932% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Local 804 Credit Union offer?Local 804 Credit Union CD rates are 2.015% APY for a 6 month CD, 2.269% APY for a 12 month CD, 2.625% APY for an 18 month CD, 2.83% APY for a 2 year CD and 2.932% APY for a 3 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 Local 804 Credit Union for its full lineup. What is the highest savings rate at Local 804 Credit Union?The highest Local 804 Credit Union savings rate is its High Yield Savings Account at 2.524% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Local 804 Credit Union?The highest Local 804 Credit Union checking rate is its Retiree Interest Checking at 0.501% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Local 804 Credit Union?The lowest Local 804 Credit Union auto loan rate is its New Auto/Motorcycle Loan (Under 2 years) at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Local 804 Credit Union?The lowest Local 804 Credit Union personal loan rate is its Personal Loan at 9.75% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Local 804 Credit Union?The lowest Local 804 Credit Union credit card APR is its Visa Platinum without Rewards Credit Card at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Local 804 Credit Union operate?Local 804 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 Local 804 Credit Union?Yes, to access services at Local 804 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, Local 804 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, Local 804 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Local 804 Credit Union offer online and mobile banking?Most modern institutions like Local 804 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: http://www.cu804.org. 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 Local 804 Credit Union rates compare?Local 804 Credit Union's CD rates are 12% lower than the MonitorBankRates national average, and it has an A health rating. Local 804 Credit Union's top rates are its 36 Month CD at 2.932% APY, its High Yield Savings Account at 2.524% APY, its Retiree Interest Checking at 0.501% APY, its Personal Loan at 9.75% APR and its Visa Platinum without Rewards Credit Card at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Current Local 804 Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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