|
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.
 Schenectady County Employees Federal 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.
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: April 17, 2026
Schenectady County Employees Federal Credit Union's Personal Loan Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Schenectady County Employees Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.33%. Rates were last updated on 04/17/2026. Schenectady County 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 Schenectady County Employees Federal Credit Union? Share your experience about Schenectady County Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Schenectady County Employees Federal Credit Union. Schenectady County Employees Federal Credit Union
Schenectady County EFCU 388 Broadway
https://schcofcu.org Schenectady, NY 12305 
Schenectady County Employees Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Schenectady County 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 Schenectady County 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 Schenectady County Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Schenectady County Employees Federal Credit Union
Website
https://schcofcu.org
Address
388 Broadway,
Schenectady, NY 12305
Phone
518-374-3830
Fax
518-374-3899
President
Robert Dantz
CEO
Denelle Albert
Full-Time Employees
1
Part-Time Employees
0
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- (92/100)
Texas Ratio
15.33%
Return on Assets (ROA)
0.2031%
Return on Equity (ROE)
2.8982%
Non-Performing Loans Ratio (NPL)
1.68%
Total Assets
5,327,176
Total Amount of Shares and Deposits
4,916,472
Total Shares and Deposits < 1 Year
4,296,268
Total Shares and Deposits 1 3 Years
620,204
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,916,472
Total Interest Expense (Sum of items 6 8)
37,143
Share Certificates
33
Number of Accounts for Share Drafts
215
Number of Accounts for Regular Shares
741
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
676,352
Total Liabilities
4,953,944
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Schenectady County Employees Federal Credit UnionIs Schenectady County Employees Federal Credit Union a safe place to deposit money?Yes, Schenectady County Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 15.33376872687%, 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 Schenectady County Employees Federal Credit Union operate?Schenectady County 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 Schenectady County Employees Federal Credit Union?Yes, to access services at Schenectady County 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, Schenectady County 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, Schenectady County Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Schenectady County Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Schenectady County 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://schcofcu.org. Compare to Other Credit Unions
Monroe Telco Federal Credit Union
Siskiyou Credit Union
Burlington Northern Santa Fe Railway Credit Union
MEA Credit Union
Arlington Community Federal Credit Union
URE Federal Credit Union
ST MARTIN DE PORRES PARISH
Camden Firemens Federal Credit Union
Boston Customs Federal Credit Union
Peoples Credit Union Rayne, LA
AME Church Federal Credit Union
Austin Telco Federal Credit Union
Modestos First Federal Credit Union
Main Impact Federal Credit Union
UFirst Federal Credit Union
COTTONWOOD COMMUNITY
Libertyone Credit Union
Liberty Bay Credit Union
Unitus Community Credit Union
NEW CUMBERLAND
St Pats Employees Federal Credit Union
|
||||||||||||
