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iAdvertiser Disclosure
Advertiser Disclosure
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 Southern Chautauqua 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
Southern Chautauqua Federal Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Southern Chautauqua Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates were last updated on 04/11/2026. Southern Chautauqua 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 Southern Chautauqua Federal Credit Union? Share your experience about Southern Chautauqua Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Southern Chautauqua Federal Credit Union. Southern Chautauqua Federal Credit Union
Lakewood 168 E Fairmount Ave
https://www.665-7000.com/ Lakewood, NY 14750 
Southern Chautauqua Federal Credit Union Savings Rates
Southern Chautauqua Federal Credit Union Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southern Chautauqua 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 Southern Chautauqua 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 Southern Chautauqua Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southern Chautauqua Federal Credit Union
Website
https://www.665-7000.com/
Address
168 E Fairmount Ave,
Lakewood, NY 14750
Phone
716-665-7000
Fax
716-484-8653
President
William Caldwell
CEO
John Felton
Full-Time Employees
69
Part-Time Employees
4
Branch Locations
9
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.06%
Return on Assets (ROA)
1.1332%
Return on Equity (ROE)
6.7332%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
158,486,681
Total Amount of Shares and Deposits
131,901,315
Total Shares and Deposits < 1 Year
107,112,984
Total Shares and Deposits 1 3 Years
18,855,042
Total Shares and Deposits > 3 Years
5,933,290
Total Insured Shares and Deposits > $250K (item 17 less item K)
131,901,315
Total Interest Expense (Sum of items 6 8)
1,453,302
Share Certificates
6,658
Number of Accounts for Share Drafts
11,450
IRA KEOGH Accounts
354
Number of Accounts for Regular Shares
24,629
All other shares
499
Non Member Deposits
18
Money Market Shares
384
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,866,059
Total Liabilities
137,712,191
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southern Chautauqua Federal Credit UnionIs Southern Chautauqua Federal Credit Union a safe place to deposit money?Yes, Southern Chautauqua Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0627580883458%, 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 Southern Chautauqua Federal Credit Union operate?Southern Chautauqua 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 Southern Chautauqua Federal Credit Union?Yes, to access services at Southern Chautauqua 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, Southern Chautauqua 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, Southern Chautauqua Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southern Chautauqua Federal Credit Union offer online and mobile banking?Most modern institutions like Southern Chautauqua 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.665-7000.com/. Current Southern Chautauqua Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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