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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.
 Stewarts Federal Credit Union Rates & Review October 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: October 9, 2026
Stewarts Federal Credit Union's top rates as of October 9, 2026 are 3.25% APY on its 24-Month CDs CD, 1.75% APY on savings, and personal loans from 8.49% APR, according to rates verified by MonitorBankRates. Other Stewarts Federal Credit Union CD rates include 12-Month CDs at 3.10%, and 6-Month CDs at 3.00%. MonitorBankRates evaluates the financial stability of Stewarts Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.36%. Rates last updated and verified on 10/09/2026. Stewarts 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 Stewarts Federal Credit Union? Share your experience about Stewarts Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Stewarts Federal Credit Union. Stewarts Federal Credit Union
Stewart's FCU 2911 State Route 9
https://www.stewartscu.com Ballston Spa, NY 12020  Customer Reviews
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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. Stewarts Federal Credit Union CD Rates
Stewarts Federal Credit Union Savings Rates
Stewarts Federal Credit Union Home Equity & HELOC
Stewarts Federal Credit Union Auto Loan Rates
Stewarts Federal Credit Union RV, Boat and Powersport Loan Rates
Stewarts Federal Credit Union Personal Loan Rates
Financial Health HistoryStewarts Federal Credit Union’s Texas Ratio rose from 1.66% in Q3 2023 to 3.36% 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 3.7 to 5.0 and its Health Grade from B to A+. 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
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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 Stewarts 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 Stewarts 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 Stewarts Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Stewarts Federal Credit Union
Website
https://www.stewartscu.com
Address
2911 State Route 9,
Ballston Spa, NY 12020
Phone
518-581-1201
Fax
518-581-7076
President
John Timian
CEO
Angelique Lauder
Full-Time Employees
6
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+ (98/100)
Texas Ratio
3.36%
Return on Assets (ROA)
0.4347%
Return on Equity (ROE)
4.8998%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
47,326,195
Total Amount of Shares and Deposits
42,832,353
Total Shares and Deposits < 1 Year
42,553,182
Total Shares and Deposits 1 3 Years
279,171
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,794,128
Total Uninsured Shares and Deposits > $250K (F+J)
17,794,128
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,038,225
Total Interest Expense (Sum of items 6 8)
287,781
Share Certificates
226
Number of Accounts for Share Drafts
2,125
Number of Accounts for Regular Shares
5,754
Net Income (unless the amount is already included in Undivided Earnings)
113,574
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)
14,737,812
Total Liabilities
43,127,654
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Stewarts Federal Credit Union
Frequently Asked Questions About Stewarts Federal Credit UnionHow many branches does Stewarts Federal Credit Union operate?Stewarts 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 Stewarts Federal Credit Union?Yes, to access services at Stewarts 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, Stewarts 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, Stewarts Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Stewarts Federal Credit Union offer online and mobile banking?Most modern institutions like Stewarts 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.stewartscu.com. Current Stewarts Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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