What are the current interest rates at SUNY Fredonia Federal Credit Union?

Current rates for SUNY Fredonia Federal Credit Union include: 12-Month CD: 3.50%

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SUNY Fredonia Federal Credit Union

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SUNY Fredonia Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SUNY Fredonia 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: September 21, 2026

SUNY Fredonia Federal Credit Union's 1 Year One Year CD rates are at 3.50%. SUNY Fredonia Federal Credit Union's Personal Loan Rates are as low as 8.40%. MonitorBankRates evaluates the financial stability of SUNY Fredonia Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 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

0.58%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

SUNY Fredonia Federal Credit Union
SUNY FREDONIA FCU

280 CENTRAL AVE
FREDONIA, NY 14063-1127

https://www.sunyfredoniafcu.com

SUNY Fredonia Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
1 Year One Year Share Certificate	3.50%	3.50%	1 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

SUNY Fredonia Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share & Clubs	1.00%	1.00%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

SUNY Fredonia Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV Loan	-	5.50%
Details As Low As; * Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

SUNY Fredonia Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	8.40%	3 months
Details Term: 3 - 6 Years Unsecured; As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

SUNY Fredonia Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loans	-	-	3.90%	10 Month
Details As Low As; Borrow up to $3,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
IRA Share	1.60%	-	1.60%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

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

SUNY Fredonia Federal Credit Union’s Texas Ratio fell from 1.76% in Q2 2023 to 0.58% 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 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
March 31, 2026	$48M	0.58%	5.0	A+
December 31, 2025	$46M	0.75%	5.0	A+
September 30, 2025	$45M	0.81%	5.0	A+
June 30, 2025	$45M	0.62%	5.0	A+
March 31, 2025	$45M	0.10%	5.0	A+
December 31, 2024	$44M	0.40%	5.0	A+
September 30, 2024	$43M	1.65%	5.0	A+
June 30, 2024	$44M	1.78%	5.0	A+
March 31, 2024	$44M	0.85%	5.0	A+
December 31, 2023	$44M	2.23%	5.0	A+
September 30, 2023	$44M	1.80%	5.0	A+
June 30, 2023	$45M	1.76%	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 SUNY Fredonia 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 SUNY Fredonia 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 SUNY Fredonia Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SUNY Fredonia Federal Credit Union

Website https://www.sunyfredoniafcu.com

Address 280 CENTRAL AVE, FREDONIA, NY 14063-1127

Phone 716-673-3585

Fax 716-673-3685

President SOTERIS TZITZIS

CEO LAURA PROFFITT

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

0.58%

Return on Assets (ROA)

0.6848%

Return on Equity (ROE)

3.7755%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

48,180,479

Total Amount of Shares and Deposits

39,374,188

Total Shares and Deposits < 1 Year

39,374,188

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

1,070,587

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

1,070,587

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

38,303,601

Total Interest Expense (Sum of items 6 8)

99,271

Share Certificates

163

Number of Accounts for Share Drafts

2,110

IRA KEOGH Accounts

103

Number of Accounts for Regular Shares

4,286

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)

2,089,668

Total Liabilities

39,441,657

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

SUNY Fredonia Federal Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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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 SUNY Fredonia Federal Credit Union

How many branches does SUNY Fredonia Federal Credit Union operate?

SUNY Fredonia 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 SUNY Fredonia Federal Credit Union?

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

Does SUNY Fredonia Federal Credit Union offer online and mobile banking?

Most modern institutions like SUNY Fredonia 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.sunyfredoniafcu.com.