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Special Metals FCU Rates & Review September 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.
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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 and Verified: September 22, 2026
Special Metals FCU's savings rates are at 0.10%. Special Metals FCU's Personal Loan Rates are as low as 8.50%. Special Metals FCU's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Special Metals FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.57%. Rates last updated and verified on 09/22/2026. Special Metals FCU 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 Special Metals FCU? Share your experience about Special Metals FCU by leaving a review below, or read customer reviews before you decide to use Special Metals FCU. Special Metals FCU
Main Office 4340 Middle Settlement Rd
http://www.specialmetalsfcu.com New Hartford, NY 13413-5316 
Special Metals FCU Savings Rates
Special Metals FCU Home Equity & HELOC
Special Metals FCU Auto Loan Rates
Special Metals FCU RV, Boat and Powersport Loan Rates
Special Metals FCU Credit Card Rates
Special Metals FCU Personal Loan Rates
Special Metals FCU Other Rates
Financial Health HistorySpecial Metals FCU’s Texas Ratio fell from 15.82% in Q2 2023 to 4.57% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Special Metals FCU 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 Special Metals FCU 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 Special Metals FCU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Special Metals FCU
Website
http://www.specialmetalsfcu.com
Address
4340 Middle Settlement Rd,
New Hartford, NY 13413-5316
Phone
315-797-3575
Fax
315-797-1380
President
Philip Bailey
CEO
Michelle Siriano
Full-Time Employees
5
Part-Time Employees
1
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+ (98/100)
Texas Ratio
4.57%
Return on Assets (ROA)
-0.3579%
Return on Equity (ROE)
-3.2992%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
23,636,266
Total Amount of Shares and Deposits
21,054,506
Total Shares and Deposits < 1 Year
18,679,212
Total Shares and Deposits 1 3 Years
2,375,294
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,054,506
Total Interest Expense (Sum of items 6 8)
48,988
Share Certificates
179
Number of Accounts for Share Drafts
894
Number of Accounts for Regular Shares
2,125
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,937,251
Total Liabilities
21,072,254
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Special Metals FCU yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Special Metals FCU
Frequently Asked Questions About Special Metals FCUHow many branches does Special Metals FCU operate?Special Metals FCU 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 Special Metals FCU?Yes, to access services at Special Metals FCU, 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, Special Metals FCU 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, Special Metals FCU provides members with tools to manage their accounts and build a solid financial history. Does Special Metals FCU offer online and mobile banking?Most modern institutions like Special Metals FCU 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://www.specialmetalsfcu.com. Current Special Metals FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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