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UPSTATE TELCO Federal Credit Union

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UPSTATE TELCO Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, UPSTATE TELCO 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: May 14, 2026

You can compare UPSTATE TELCO Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.03%, 6-month share certificate rates at 2.25% and 3-month share certificate rates at 0.50%. Savings rates are at 0.77% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to UPSTATE TELCO Federal Credit Union rates. MonitorBankRates evaluates the financial stability of UPSTATE TELCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates were last updated on 05/14/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.67%

Excellent Lower than avg

UPSTATE TELCO Federal Credit Union
Main Branch

137 Harrison St
Gloversville, NY 12078

https://www.upstatetelcofcu.org

Current Rate Availability

We do not have UPSTATE TELCO Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for UPSTATE TELCO 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 UPSTATE TELCO 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 UPSTATE TELCO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name UPSTATE TELCO Federal Credit Union

Website https://www.upstatetelcofcu.org

Address 137 Harrison St, Gloversville, NY 12078

Phone 518-773-6548

Fax 518-762-3012

President Lynne Rubscha

CEO Barbara Insognia

Full-Time Employees 1

Part-Time Employees 1

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

0.67%

Return on Assets (ROA)

1.5827%

Return on Equity (ROE)

9.6729%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

4,217,862

Total Amount of Shares and Deposits

3,480,187

Total Shares and Deposits < 1 Year

3,480,187

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

3,480,187

Total Interest Expense (Sum of items 6 8)

2,076

Number of Accounts for Share Drafts

143

Number of Accounts for Regular Shares

505

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

939,030

Total Liabilities

3,527,706

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About UPSTATE TELCO Federal Credit Union

How many branches does UPSTATE TELCO Federal Credit Union operate?

UPSTATE TELCO 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 UPSTATE TELCO Federal Credit Union?

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

Does UPSTATE TELCO Federal Credit Union offer online and mobile banking?

Most modern institutions like UPSTATE TELCO 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.upstatetelcofcu.org.