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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.
 SJP 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 11, 2026
SJP Federal Credit Union's 84 month CD of Deposit rates are at 4.10%, 60 month CD of Deposit rates are at 4.05%, 48 month CD of Deposit rates are at 4.00%, 36 month CD of Deposit rates are at 3.95%, 24 month CD of Deposit rates are at 3.80%. SJP Federal Credit Union's savings rates are at 0.25%. SJP Federal Credit Union's money market rates are at 3.30%. MonitorBankRates evaluates the financial stability of SJP Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.45%. Rates were last updated on 04/11/2026. SJP 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 SJP Federal Credit Union? Share your experience about SJP Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SJP Federal Credit Union. SJP Federal Credit Union
341 Englewood Avenue 341 Englewood Ave
https://sjpfcu.org Buffalo, NY 14223 2819 
SJP Federal Credit Union CD Rates
SJP Federal Credit Union Savings Rates
SJP Federal Credit Union Money Market Rates
SJP Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SJP 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 SJP 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 SJP Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SJP Federal Credit Union
Website
https://sjpfcu.org
Address
341 Englewood Ave,
Buffalo, NY 14223 2819
Phone
716-833-9670
Fax
716-832-1687
President
Gregory Wichtowski
CEO
Charles Kirsch
Full-Time Employees
15
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.45%
Return on Assets (ROA)
0.7908%
Return on Equity (ROE)
7.4444%
Non-Performing Loans Ratio (NPL)
1.35%
Total Assets
179,047,238
Total Amount of Shares and Deposits
156,877,084
Total Shares and Deposits < 1 Year
122,783,721
Total Shares and Deposits 1 3 Years
23,300,190
Total Shares and Deposits > 3 Years
10,793,173
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,882,606
Total Uninsured Shares and Deposits > $250K (F+J)
19,882,606
Total Insured Shares and Deposits > $250K (item 17 less item K)
136,994,478
Total Interest Expense (Sum of items 6 8)
4,593,363
Share Certificates
1,886
Number of Accounts for Share Drafts
1,234
IRA KEOGH Accounts
341
Number of Accounts for Regular Shares
7,641
Non Member Deposits
9
Money Market Shares
934
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
27,767,690
Total Liabilities
160,031,426
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SJP Federal Credit UnionIs SJP Federal Credit Union a safe place to deposit money?Yes, SJP Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.448564942639%, 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 SJP Federal Credit Union operate?SJP 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 SJP Federal Credit Union?Yes, to access services at SJP 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, SJP 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, SJP Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does SJP Federal Credit Union offer online and mobile banking?Most modern institutions like SJP 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://sjpfcu.org. Current SJP Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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