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UPSTATE TELCO Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
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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: April 23, 2026

You can compare UPSTATE TELCO Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.56% and 3-month share certificate rates at 1.75%. Savings rates are at 0.25% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 6.59%. 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 04/23/2026.

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
Member NCUA

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

Is UPSTATE TELCO Federal Credit Union a safe place to deposit money?

Yes, UPSTATE TELCO Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.66783295051278%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.

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