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SCA Rates & Review April 2026

Q: Is SCA a safe place to deposit money?

Yes, SCA is considered a safe financial institution. With a Texas Ratio of 0.22490493898996%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does SCA operate?

SCA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SCA?

Yes, to access services at SCA, 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.

Q: Is there a first-time homebuyer program?

Currently, SCA 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SCA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 22, 2026

You can compare SCA rates to other rates in our database, including 12-month share certificate rates currently at 1.76%, 6-month share certificate rates at 3.85% and 3-month share certificate rates at 0.30%. Savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to SCA rates. MonitorBankRates evaluates the financial stability of SCA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates were last updated on 04/22/2026.

SCA 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 SCA? Share your experience about SCA by leaving a review below, or read customer reviews before you decide to use SCA.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

PS Bank
CORPORATE OFFICE

2656 ELLWOOD RD UNIT 1
NEW CASTLE, PA 16101

http://shenangochinafcu.com

Current Rate Availability

We do not have SCA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SCA 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 SCA 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 SCA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SCA

Website http://shenangochinafcu.com

Address 2656 ELLWOOD RD UNIT 1, NEW CASTLE, PA 16101

Phone 724-658-2686

Fax 724-658-8155

President DAVID MEYER

CEO LORI RHOADES

Full-Time Employees 4

Part-Time Employees 0

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+ (100/100)

Texas Ratio

0.22%

Return on Assets (ROA)

1.0675%

Return on Equity (ROE)

5.4614%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

16,635,345

Total Amount of Shares and Deposits

13,530,420

Total Shares and Deposits < 1 Year

13,530,420

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,826,979

Total Uninsured Shares and Deposits > $250K (F+J)

1,826,979

Total Insured Shares and Deposits > $250K (item 17 less item K)

11,703,441

Total Interest Expense (Sum of items 6 8)

115,192

Share Certificates

Number of Accounts for Share Drafts

653

Number of Accounts for Regular Shares

1,886

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,195,931

Total Liabilities

13,463,369

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About SCA

Is SCA a safe place to deposit money?

Yes, SCA is considered a safe financial institution. With a Texas Ratio of 0.22490493898996%, the institution's financial health is rated as excellent. 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 SCA operate?

SCA 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 SCA?

Yes, to access services at SCA, 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, SCA 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, SCA provides members with tools to manage their accounts and build a solid financial history.

Does SCA offer online and mobile banking?

Most modern institutions like SCA 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://shenangochinafcu.com.