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Syracuse Cooperative Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
Syracuse Cooperative Federal Credit Union's top rates as of October 9, 2026 are 3.65% APY on its 13 Month CD Special, 0.05% APY on savings, 1.00% APY on money market accounts, 5.62% on its 7/1 Hybrid In-House Loan mortgage, personal loans from 8.05% APR, and credit cards from 10.45% APR, according to rates verified by MonitorBankRates. Other Syracuse Cooperative Federal Credit Union CD rates include 13 Month CD Special at 3.60%, 13 Month CD Special at 3.50%, and 13 Month CD Special at 3.45%. MonitorBankRates evaluates the financial stability of Syracuse Cooperative Federal Credit Union with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 26.96%. Rates last updated and verified on 10/09/2026.
Syracuse Cooperative 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 Syracuse Cooperative Federal Credit Union? Share your experience about Syracuse Cooperative Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Syracuse Cooperative Federal Credit Union.
Overall Health & Safety Grade
?
C
Average HealthScore: 77/100
Overall Health & Safety Grade
Syracuse Cooperative Federal Credit Union has earned an overall safety grade of C (Average, Score: 77/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.0
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Syracuse Cooperative Federal Credit Union has earned a Star Rating of 4.0 out of 5 stars (Excellent).
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
?
26.96%
GoodHigher than avg
Syracuse Cooperative Federal Credit Union Texas Ratio
Syracuse Cooperative Federal Credit Union's Texas Ratio is 26.96%, which is considered good and is higher than the national average of 6.13%.
While Syracuse Cooperative Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Syracuse Cooperative Federal Credit Union Health Trend
57.98% to 26.96% over 12 quarters, improvingFull history
Star Rating 1.4 to 4.0, Health Grade F to C
The Texas Ratio for this credit union has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Syracuse Cooperative Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
13 Month Certificate Special
-
3.65%
13 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
13 Month Certificate Special
-
3.60%
13 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
13 Month Certificate Special
-
3.50%
13 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
13 Month Certificate Special
-
3.45%
13 Month
Min Deposit$4,000
Min Balance$4,000
DetailsBalance: $4,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
7 Month Certificate Special
-
3.45%
7 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
7 Month Certificate Special
-
3.40%
7 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.40% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
7 Month Certificate Special
-
3.30%
7 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
7 Month Certificate Special
-
3.25%
7 Month
Min Deposit$4,000
Min Balance$4,000
DetailsBalance: $4,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
60 Month Certificate
-
2.85%
60 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
60 Month Certificate
-
2.80%
60 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
60 Month Certificate
-
2.70%
60 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
60 Month Certificate
-
2.65%
60 Month
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month Certificate
-
2.60%
48 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month IRA Certificate
-
2.60%
48 Month
Min Balance$245,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month Certificate
-
2.55%
48 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month IRA Certificate
-
2.55%
48 Month
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month Certificate
-
2.45%
36 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month IRA Certificate
-
2.45%
36 Month
Min Balance$245,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month Certificate
-
2.45%
48 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month IRA Certificate
-
2.45%
48 Month
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month Certificate
-
2.40%
36 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month IRA Certificate
-
2.40%
36 Month
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month Certificate
-
2.40%
48 Month
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
48 Month IRA Certificate
-
2.40%
48 Month
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month Certificate
-
2.30%
36 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month IRA Certificate
-
2.30%
36 Month
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month Certificate
-
2.25%
36 Month
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
36 Month IRA Certificate
-
2.25%
36 Month
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.25% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
30 Month Certificate
-
2.20%
30 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month Certificate
-
2.15%
12 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month IRA Certificate
-
2.15%
12 Month
Min Balance$245,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
18 Month Certificate
-
2.15%
18 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month Certificate
-
2.15%
24 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month IRA Certificate
-
2.15%
24 Month
Min Balance$245,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
30 Month Certificate
-
2.15%
30 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month Certificate
-
2.10%
12 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month IRA Certificate
-
2.10%
12 Month
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
18 Month Certificate
-
2.10%
18 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month Certificate
-
2.10%
24 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month IRA Certificate
-
2.10%
24 Month
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
30 Month Certificate
-
2.05%
30 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month Certificate
-
2.00%
12 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month IRA Certificate
-
2.00%
12 Month
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month Lucky Savers
-
2.00%
12 Month
Min Deposit$25
Min Balance$25
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.00% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
18 Month Certificate
-
2.00%
18 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month Certificate
-
2.00%
24 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month IRA Certificate
-
2.00%
24 Month
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
30 Month Certificate
-
2.00%
30 Month
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month Certificate
-
1.95%
12 Month
Min Deposit$4,000
Min Balance$4,000
DetailsBalance: $4,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
12 Month IRA Certificate
-
1.95%
12 Month
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.95% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
18 Month Certificate
-
1.95%
18 Month
Min Deposit$4,000
Min Balance$4,000
DetailsBalance: $4,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month Certificate
-
1.95%
24 Month
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
24 Month IRA Certificate
-
1.95%
24 Month
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.95% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
6 Month Certificate
-
1.75%
6 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
3 Month Certificate
-
1.70%
3 Month
Min Deposit$245,000
Min Balance$245,000
DetailsBalance: $245,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
6 Month Certificate
-
1.70%
6 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
3 Month Certificate
-
1.65%
3 Month
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000 - $244,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
6 Month Certificate
-
1.60%
6 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
3 Month Certificate
-
1.55%
3 Month
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
6 Month Certificate
-
1.55%
6 Month
Min Deposit$4,000
Min Balance$4,000
DetailsBalance: $4,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
3 Month Certificate
-
1.50%
3 Month
Min Deposit$4,000
Min Balance$4,000
DetailsBalance: $4,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Savings Rates
Product
Rate
APY
View More
Share Savings
-
0.05%
Min Deposit$5
Min Balance$50
DetailsMinimum Balance: $50 to earn dividends
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Super Share (Money Market)
-
1.00%
Min Balance$2,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Checking Rates
Product
Rate
APY
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Super Share Checking (Money Market)
-
0.65%
Min Balance$4,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
7/1 Hybrid In-House Loan
5.625%
-
5.625%
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 2, 2026 · 5.63% APR · checked 2 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New or Late Model Vehicles Loan
-
-
4.75%
Up to 24 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
New or Late Model Vehicles Loan
-
-
4.75%
25 to 36 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 4.75% → 4.75% ▼ 0.00 pts · high 5.45% / low 4.75%
Oct 9, 20264.75%▼ from 5.45%
Sep 21, 20265.45%▲ from 4.75%
Sep 17, 20264.75%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
New or Late Model Vehicles Loan
-
-
4.99%
37 to 48 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 5.69% / low 4.99%
Oct 9, 20264.99%▼ from 5.69%
Sep 21, 20265.69%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
New or Late Model Vehicles Loan
-
-
5.23%
49 to 60 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.23% → 5.23% ▼ 0.00 pts · high 5.93% / low 5.23%
Oct 9, 20265.23%▼ from 5.93%
Sep 21, 20265.93%▲ from 5.23%
Sep 14, 20265.23%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
New or Late Model Vehicles Loan
-
-
5.50%
61 to 72 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.50% → 5.50% ▼ 0.00 pts · high 6.20% / low 5.50%
Oct 9, 20265.50%▼ from 6.20%
Sep 21, 20266.20%▲ from 5.50%
Sep 14, 20265.50%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
New or Late Model Vehicles Loan
-
-
5.79%
73 to 84 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.79% APR · checked 7 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Auto Loans - Cars, Trucks, and SUVs
-
-
6.45%
Up to 180 Months
DetailsRates as low as 6.450%*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.45% APR · checked 8 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Credit Card Rates
Product
Rate
APR
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VISA Classic Credit Card
-
10.45%
DetailsRates as low as 10.45%*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.45% APR · checked 7 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Personal Loan Rates
Product
APR
Term
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Signature Plus Loans & Cosigner Loans
8.05%
Up to 12 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.05% APR · checked 8 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Signature Plus Loans & Cosigner Loans
8.15%
13 to 24 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.15% APR · checked 7 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Signature Plus Loans & Cosigner Loans
8.15%
25 to 36 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 8.15% APR · checked 7 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Signature Plus Loans & Cosigner Loans
8.39%
37 to 48 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.39% APR · checked 8 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Signature Plus Loans & Cosigner Loans
8.63%
49 to 60 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.63% APR · checked 8 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Signature Plus Loans & Cosigner Loans
8.90%
61 to 72 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 8 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Syracuse Cooperative Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Credit Builder Loans & Share-Secured Loans
-
-
3.95%
Up to 36 Months
DetailsRates as Low As*
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 3.95% APR · checked 7 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Credit Builder Loans & Share-Secured Loans
-
-
3.95%
Up to to 240 Months
Details3.95% and up**
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 3.95% APR · checked 7 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Big Bank Avg
-
-
0.04%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.04% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Big Bank Avg
-
-
0.06%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.06% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
IRA Shares
-
-
0.05%
Min Deposit$50
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
IRA Shares
-
-
1.00%
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 26.96%
Financial Health History
Syracuse Cooperative Federal Credit Union’s Texas Ratio fell from 57.98% in Q3 2023 to 26.96% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.4 to 4.0 and its Health Grade from F to C. 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)
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
$47M
26.96%
4.0
C
March 31, 2026
$47M
30.38%
3.7
C-
December 31, 2025
$46M
30.12%
3.7
C-
September 30, 2025
$43M
34.49%
3.4
D
June 30, 2025
$44M
36.52%
3.2
D
March 31, 2025
$45M
35.32%
3.3
D
December 31, 2024
$41M
51.42%
2.0
F
September 30, 2024
$41M
56.24%
1.6
F
June 30, 2024
$43M
62.76%
1.0
F
March 31, 2024
$42M
39.50%
3.0
F
December 31, 2023
$40M
49.21%
2.2
F
September 30, 2023
$34M
57.98%
1.4
F
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 Syracuse Cooperative 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 Syracuse Cooperative 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 Syracuse Cooperative Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameSyracuse Cooperative Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,347,919
Total Uninsured Shares and Deposits > $250K (F+J)
8,617,220
Total Insured Shares and Deposits > $250K (item 17 less item K)
29,740,239
Total Interest Expense (Sum of items 6 8)
196,818
Share Certificates
125
Number of Accounts for Share Drafts
2,081
IRA KEOGH Accounts
51
Number of Accounts for Regular Shares
3,688
All other shares
298
Non Member Deposits
37
Money Market Shares
168
Net Income (unless the amount is already included in Undivided Earnings)
-80,637
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)
3,720,432
Total Liabilities
42,325,564
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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0
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Frequently Asked Questions About Syracuse Cooperative Federal Credit Union
How many branches does Syracuse Cooperative Federal Credit Union operate?
Syracuse Cooperative 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 Syracuse Cooperative Federal Credit Union?
Yes, to access services at Syracuse Cooperative 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, Syracuse Cooperative 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, Syracuse Cooperative Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Syracuse Cooperative Federal Credit Union offer online and mobile banking?
Most modern institutions like Syracuse Cooperative 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.cooperativefederal.org.
Current Syracuse Cooperative Federal Credit Union Rates
12-Month CD1.95%
18-Month CD1.95%
24-Month CD1.95%
60-Month CD2.65%
Savings0.05%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
