What are the current interest rates at Steuben Citizens Federal Credit Union?

Current rates for Steuben Citizens Federal Credit Union include: 12-Month CD: 2.53%, 24-Month CD: 3.04%

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Steuben Citizens Federal Credit Union

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Steuben Citizens Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Steuben Citizens Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Steuben Citizens Federal Credit Union's top rates as of October 12, 2026 are 3.04% APY on its 24 Month Time CD, personal loans from 7.00% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Steuben Citizens Federal Credit Union CD rates include 12 Month Time CD at 2.53%, and 6 Month Time CD at 2.02%. MonitorBankRates evaluates the financial stability of Steuben Citizens Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.19%. Rates last updated and verified on 10/12/2026.

Steuben Citizens 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 Steuben Citizens Federal Credit Union? Share your experience about Steuben Citizens Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Steuben Citizens Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.19%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Steuben Citizens Federal Credit Union
Steuben Citizens Federal Credit Union

2 Wilson Ave
Bath, NY 14810-1634

https://www.steubencitizensfcu.com/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Steuben Citizens Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Time Share Certificate	3.00%	3.045%	24-month
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
12 Month Time Share Certificate	2.50%	2.531%	12-month
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
6 Month Time Share Certificate	2.00%	2.02%	6-month
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Steuben Citizens Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans	6.00%	-	6.00%	up to 72 months
Details Model Year: 2022-2027; Special: 2022-2027 up to 72 months at 3.99%; 2019-2027 for 73-96 months at 5.90% Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New & Used Auto Loans	6.50%	-	6.50%	73-96 months
Details Model Year: 2022-2027; Special: 2019-2027 for 73-96 months at 5.90% Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
New & Used Auto Loans	7.00%	-	7.00%	up to 72 months
Details Model Year: 2019-2021; Special: 2019-2021 up to 72 months at 4.50%; 2022-2027 up to 72 months at 3.99% Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Steuben Citizens Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Gold credit card	-	10.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Visa Classic credit card	-	12.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Steuben Citizens Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	7.00%	up to 36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Personal Loans	8.00%	up to 60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Steuben Citizens Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Other Collateral Loans	7.00%	-	7.00%	up to 60 months
Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Other Collateral Loans	7.50%	-	7.50%	up to 120 months
Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Coverdell (Educational) IRA Share	0.10%	-	0.10%
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Roth IRA Share	0.10%	-	0.10%
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Roth IRA Time Share Certificate	1.00%	-	1.01%
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Share Rate	0.10%	-	0.10%
Min Balance $100 Details Balance: $100.00 to $9,999.99; Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Share Rate	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00-$100,000.00; Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Share Rate	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.00 and beyond; Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Traditional IRA Share	0.10%	-	0.10%
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%
Traditional IRA Time Share Certificate	3.00%	-	3.00%
Details Rates are determined by the Board of Directors and could change at any time; Effective date of dividends: December 31, 2023 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.19%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Steuben Citizens Federal Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.19% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$36M	0.19%	5.0	A+
March 31, 2026	$36M	0.37%	5.0	A+
December 31, 2025	$35M	0.02%	5.0	A+
September 30, 2025	$35M	0.02%	5.0	A+
June 30, 2025	$35M	0.06%	5.0	A+
March 31, 2025	$35M	1.94%	5.0	A+
December 31, 2024	$33M	0.03%	5.0	A+
September 30, 2024	$35M	0.05%	5.0	A+
June 30, 2024	$35M	0.02%	5.0	A+
March 31, 2024	$35M	0.02%	5.0	A+
December 31, 2023	$36M	0.00%	5.0	A+
September 30, 2023	$36M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Steuben Citizens 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 Steuben Citizens 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 Steuben Citizens Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Steuben Citizens Federal Credit Union

Website https://www.steubencitizensfcu.com/

Address 2 Wilson Ave, Bath, NY 14810-1634

Phone 607-776-3684

Fax

President Robert Brown

CEO Brandy Holbrook

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.19%

Return on Assets (ROA)

0.0750%

Return on Equity (ROE)

0.6155%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

35,763,954

Total Amount of Shares and Deposits

30,632,932

Total Shares and Deposits < 1 Year

29,542,621

Total Shares and Deposits 1 3 Years

1,090,311

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

422,862

Total Uninsured Shares and Deposits > $250K (F+J)

422,862

Total Insured Shares and Deposits > $250K (item 17 less item K)

30,210,070

Total Interest Expense (Sum of items 6 8)

75,815

Share Certificates

118

Number of Accounts for Share Drafts

1,480

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,099

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)

1,461,119

Total Liabilities

31,405,092

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Steuben Citizens Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Steuben Citizens Federal Credit Union

How many branches does Steuben Citizens Federal Credit Union operate?

Steuben Citizens 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 Steuben Citizens Federal Credit Union?

Yes, to access services at Steuben Citizens 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, Steuben Citizens 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, Steuben Citizens Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Steuben Citizens Federal Credit Union offer online and mobile banking?

Most modern institutions like Steuben Citizens 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.steubencitizensfcu.com/.