|
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.
SPECIAL METALS Rates & Review March 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 24, 2026
SPECIAL METALS's savings rates are at 0.10%. SPECIAL METALS's Personal Loan Rates are at 8.50%. MonitorBankRates evaluates the financial stability of SPECIAL METALS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.37%. Rates were last updated on 03/24/2026. SPECIAL METALS 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? Share your experience about SPECIAL METALS by leaving a review below, or read customer reviews before you decide to use SPECIAL METALS. PCSB Bank (IA)
Main Office 4340 Middle Settlement Rd
http://www.specialmetalsfcu.com New Hartford, NY 13413 5316 
SPECIAL METALS Savings Rates
SPECIAL METALS Mortgage Rates
SPECIAL METALS Home Equity & HELOC
SPECIAL METALS Credit Card Rates
SPECIAL METALS Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SPECIAL METALS 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SPECIAL METALS
Website
http://www.specialmetalsfcu.com
Address
4340 Middle Settlement Rd,
New Hartford, NY 13413 5316
Phone
315-797-3575
Fax
315-797-1380
President
Gary Miller
CEO
Michelle Siriano
Full-Time Employees
5
Part-Time Employees
1
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 (96/100)
Texas Ratio
8.37%
Return on Assets (ROA)
-0.3005%
Return on Equity (ROE)
-2.3801%
Non-Performing Loans Ratio (NPL)
1.68%
Total Assets
21,450,693
Total Amount of Shares and Deposits
18,727,769
Total Shares and Deposits < 1 Year
16,454,255
Total Shares and Deposits 1 3 Years
2,273,514
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,727,769
Total Interest Expense (Sum of items 6 8)
156,633
Share Certificates
177
Number of Accounts for Share Drafts
911
Number of Accounts for Regular Shares
2,219
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,857,315
Total Liabilities
18,742,429
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SPECIAL METALSIs SPECIAL METALS a safe place to deposit money?Yes, SPECIAL METALS is considered a safe financial institution. With a Texas Ratio of 8.3665403372788%, 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 SPECIAL METALS operate?SPECIAL METALS 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?Yes, to access services at SPECIAL METALS, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does SPECIAL METALS offer online and mobile banking?Most modern institutions like SPECIAL METALS 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 Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Union County Employees Federal Credit Union
Mint Valley Federal Credit Union
SRP Federal Credit Union
Alliance Credit Union of Florida
Prescott Federal Credit Union
K C K Firemen And Police Credit Union
Routt Federal Credit Union
Acme Federal Credit Union
The United Federal Credit Union
Wufface Federal Credit Union
UTICA POLICE DEPARTMENT
Sterling United Federal Credit Union
FIRELANDS
La Terre Federal Credit Union
St Marys Bank Credit Union
New York University Federal Credit Union
Goodyear San Angelo Federal Credit Union
Meriden Postal Employees Federal Credit Union
Navy Federal Credit Union
Good Neighbors Federal Credit Union
Health Care Family Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
