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TROY Rates & Review August 2026

Q: How many branches does TROY operate?

TROY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join TROY?

Yes, to access services at TROY, 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.

Q: Is there a first-time homebuyer program?

Currently, TROY 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TROY 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: August 30, 2026

TROY rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not TROY, and you can see how they compare in the TROY rate tables below. MonitorBankRates evaluates the financial stability of TROY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/30/2026.

TROY 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 TROY? Share your experience about TROY by leaving a review below, or read customer reviews before you decide to use TROY.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

TROY
TROY FEDERAL CREDIT UNION

2175 6TH AVE
TROY, NY 12180

Current Rate Availability

We're not currently displaying rates for TROY, but our database is updated constantly — check back soon for the latest offers.

Are you with TROY? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TROY 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 TROY 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 TROY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TROY

Website N/A

Address 2175 6TH AVE, TROY, NY 12180

Phone 518-272-1688

Fax 518-272-9387

President CHARLES WILLSON

CEO KEVIN GORDON

Full-Time Employees 1

Part-Time Employees 2

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

0.00%

Return on Assets (ROA)

0.1573%

Return on Equity (ROE)

0.9564%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

3,557,057

Total Amount of Shares and Deposits

2,967,581

Total Shares and Deposits < 1 Year

2,967,581

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

2,967,581

Total Interest Expense (Sum of items 6 8)

42,158

Number of Accounts for Regular Shares

714

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)

514,699

Total Liabilities

2,971,949

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for TROY yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for TROY

Frequently Asked Questions About TROY

How many branches does TROY operate?

TROY 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 TROY?

Yes, to access services at TROY, 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, TROY 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, TROY provides members with tools to manage their accounts and build a solid financial history.

Does TROY offer online and mobile banking?

Most modern institutions like TROY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.