|
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.
 Scient 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: March 28, 2026
Scient Federal Credit Union's Special 7-month* Special 7-month CDs rates are at 3.65%, Special 15-month* Special 15-month CDs rates are at 3.50%, Special 20-month* Special 20-month CDs rates are at 3.35%, 60 Month CDs rates are at 1.25%, 48 Month CDs rates are at 1.00%. Scient Federal Credit Union's savings rates are at 0.05%. Scient Federal Credit Union's money market rates are at 0.05%. Scient Federal Credit Union's SmartRefi Mortgages rates are at 5.35%, SmartRefi Mortgages rates are at 5.45%, Fixed Mortgage rates are at 5.45%, Fixed Mortgage rates are at 5.45%, SmartRefi Mortgages rates are at 5.75%. Scient Federal Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of Scient Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.42%. Rates were last updated on 03/28/2026. Scient 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 Scient Federal Credit Union? Share your experience about Scient Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Scient Federal Credit Union. 
Scient Federal Credit Union CD Rates
Scient Federal Credit Union Savings Rates
Scient Federal Credit Union Money Market Rates
Scient Federal Credit Union Checking Rates
Scient Federal Credit Union Mortgage Rates
Scient Federal Credit Union Home Equity & HELOC
Scient Federal Credit Union Auto Loan Rates
Scient Federal Credit Union Student Loan Rates
Scient Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Scient 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 Scient 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 Scient Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Scient Federal Credit Union
Website
https://www.scientfcu.org
Address
60 Colver Ave,
Groton, CT 06340 3808
Phone
860-445-1060
Fax
860-448-2101
President
Karen Walters
CEO
Chris Maynard
Full-Time Employees
53
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.42%
Return on Assets (ROA)
-0.0893%
Return on Equity (ROE)
-0.9316%
Non-Performing Loans Ratio (NPL)
0.16%
Total Assets
325,117,955
Total Amount of Shares and Deposits
261,631,282
Total Shares and Deposits < 1 Year
254,736,528
Total Shares and Deposits 1 3 Years
6,277,671
Total Shares and Deposits > 3 Years
617,083
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,288,676
Total Uninsured Shares and Deposits > $250K (F+J)
43,288,676
Total Insured Shares and Deposits > $250K (item 17 less item K)
218,342,606
Total Interest Expense (Sum of items 6 8)
4,355,320
Share Certificates
1,939
Number of Accounts for Share Drafts
6,284
IRA KEOGH Accounts
410
Number of Accounts for Regular Shares
24,611
All other shares
282
Non Member Deposits
114
Money Market Shares
1,983
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,818,468
Total Liabilities
297,396,577
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Scient Federal Credit UnionIs Scient Federal Credit Union a safe place to deposit money?Yes, Scient Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4238909656613%, 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 Scient Federal Credit Union operate?Scient 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 Scient Federal Credit Union?Yes, to access services at Scient 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, Scient 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, Scient Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Scient Federal Credit Union offer online and mobile banking?Most modern institutions like Scient 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.scientfcu.org. Current Scient Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Sycamore Federal Credit Union
America First Federal Credit Union
Common Trust Federal Credit Union
Educational Community Alliance Credit Union
West Side Baptist Church Federal Credit Union
BS and CP Hospitals Employees Federal Credit Union
Community Federal Credit Union
4Front Credit Union
Allegheny Ludlum Brackenridge Federal Credit Union
Passaic Police Federal Credit Union
CTA South Federal Credit Union
Waco Federal Credit Union
Baton Rouge City Parish Employees Federal Credit Union
New Dimensions Federal Credit Union
Americas Federal Credit Union ACU
Hawaii First Federal Credit Union
Western Indiana Credit Union
Hughes Federal Credit Union
Cloverbelt Credit Union
The Morning Star Federal Credit Union
Houston Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
