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Syracuse Fire Department Employees Federal Credit Union Rates & Review May 2026

Syracuse Fire Department Employees Federal Credit Union's 18-month IRA TSC rates are at 3.85%, 18-month Roth IRA TSC rates are at 3.85%, 18-month Term CD & IRA rates are at 3.85%, 2-year IRA TSC rates are at 3.75%, 2-year Roth IRA TSC rates are at 3.75%. Syracuse Fire Department Employees Federal Credit Union's money market rates are at 1.00%. Syracuse Fire Department Employees Federal Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of Syracuse Fire Department Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.84%. Rates were last updated on 05/06/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.84%
Excellent Lower than avg
Syracuse Fire Department Employees Federal Credit Union
Main Office
211 Wilkinson St
Syracuse, NY 13204
https://www.syrfirecu.com
Member NCUA

Syracuse Fire Department Employees Federal Credit Union CD Rates

Product Rate APY Term View More
18-month IRA TSC 3.78% 3.85% 18
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
18-month Roth IRA TSC 3.78% 3.85% 18-month
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
18-month Term Share Certificate & IRA 3.78% 3.85% 18
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
2-year IRA TSC 3.69% 3.75% 2
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
2-year Roth IRA TSC 3.69% 3.75% 2-year
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
2-year Term Share Certificate & IRA 3.69% 3.75% 2
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
6-month Term Share Certificate & IRA 3.69% 3.75% 6
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
1-year IRA TSC 3.45% 3.50% 1
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
1-year Roth Conversion IRA TSC 3.45% 3.50%
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
1-year Roth IRA TSC 3.45% 3.50% 1-year
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
1-year Term Share Certificate & IRA 3.45% 3.50% 1
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
3-year IRA TSC 3.45% 3.50% 3
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
3-year Roth IRA TSC 3.45% 3.50% 3-year
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
3-year Term Share Certificate & IRA 3.45% 3.50% 3
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
30-month IRA TSC 3.45% 3.50% 30
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
30-month Roth IRA TSC 3.45% 3.50% 30-months
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
30-month Term Share Certificate & IRA 3.45% 3.50% 30
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%

Syracuse Fire Department Employees Federal Credit Union Savings Rates

Product Rate APY View More
Clubs - 0.20%
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%

Syracuse Fire Department Employees Federal Credit Union Money Market Rates

Product Rate APY View More
Money Markets - 1.25%
Min Balance $25,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Money Markets Tier 4 - 1.25%
Min Balance $25,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Money Markets Tier 5 - 1.25%
Min Balance $50,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Money Markets - 1.00%
Min Balance $1,500
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Money Markets Tier 1 - 1.00%
Min Balance $1,500
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Money Markets Tier 2 - 1.00%
Min Balance $5,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Money Markets Tier 3 - 1.00%
Min Balance $10,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%

Syracuse Fire Department Employees Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Member Paid Closing Costs - - 5.24% 60
Details As Low As; Up to 80% of appraised value (less liens) Maximum $300,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Home Equity Member Paid Closing Costs - - 5.74% 120
Details As Low As; Up to 80% of appraised value (less liens) Maximum $300,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Home Equity Member Paid Closing Costs - - 6.24% 180
Details As Low As; Up to 80% of appraised value (less liens) Maximum $300,000
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Home Equity Line of Credit - - 6.75%
Details Variable rate based on Prime Rate; *Rate may change after account is opened. Minimum APR is 3.00% Maximum APR is 18.00%; Member paid closing costs rate is prime, Credit Union paid closing costs rate is prime +0.50%, if member pays off loan in the first three years, member must repay credit union paid closing costs. Fees begin at $240.00. Property insurance may be required to open a Home Equity Line of Credit.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%

Syracuse Fire Department Employees Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal / Signature Loans - 7.99%
Details As Low As
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%
Personal / Signature Loans - 8.99%
Details As Low As
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.84%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Syracuse Fire Department Employees 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 Fire Department Employees 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 Fire Department Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Syracuse Fire Department Employees Federal Credit Union
Address 211 Wilkinson St, Syracuse, NY 13204
Phone 315-471-4621
Fax 315-476-7204
President Steven McGraw
CEO Roxane Bowering
Full-Time Employees 15
Part-Time Employees 2
Branch Locations 1
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+ (99/100)
Texas Ratio
2.84%
Return on Assets (ROA)
1.2788%
Return on Equity (ROE)
8.5353%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
137,978,235
Total Amount of Shares and Deposits
117,442,419
Total Shares and Deposits < 1 Year
114,485,933
Total Shares and Deposits 1 3 Years
2,956,486
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,234,682
Total Uninsured Shares and Deposits > $250K (F+J)
9,234,682
Total Insured Shares and Deposits > $250K (item 17 less item K)
108,207,737
Total Interest Expense (Sum of items 6 8)
1,296,667
Share Certificates
1,028
Number of Accounts for Share Drafts
4,175
IRA KEOGH Accounts
223
Number of Accounts for Regular Shares
8,201
Money Market Shares
203
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,115,473
Total Liabilities
117,892,684
Source: NCUA — Last Updated 09/30/2025
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Frequently Asked Questions About Syracuse Fire Department Employees Federal Credit Union

How many branches does Syracuse Fire Department Employees Federal Credit Union operate?

Syracuse Fire Department Employees 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 Fire Department Employees Federal Credit Union?

Yes, to access services at Syracuse Fire Department Employees 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 Fire Department Employees 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 Fire Department Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Syracuse Fire Department Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Syracuse Fire Department Employees 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.syrfirecu.com.

Current Syracuse Fire Department Employees Federal Credit Union Rates

  • 12-Month CD3.50%
  • 18-Month CD3.85%
  • 24-Month CD3.75%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.