Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cadets Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: September 20, 2026
Cadets Federal Credit Union's IRA CD Accounts - 4 Year rates are at 3.80%, IRA CD Accounts - 5 Year rates are at 3.80%, IRA CD Accounts - 2 Year rates are at 3.67%, IRA CD Accounts - 3 Year rates are at 3.67%, IRA CD Accounts - 4 Year rates are at 3.67%. Cadets Federal Credit Union's 10 Year Mortgage rates are at 6.00%, 15 Year Mortgage rates are at 6.50%, 20 Year Mortgage rates are at 7.00%, Non-Owner Occupied 10 Year Mortgage rates are at 7.00%, Non-Owner Occupied 12 Year Mortgage rates are at 7.50%. Cadets Federal Credit Union's Personal Loan Rates are as low as 6.25%. MonitorBankRates evaluates the financial stability of Cadets Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.32%. Rates last updated and verified on 09/20/2026. Cadets 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 Cadets Federal Credit Union? Share your experience about Cadets Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cadets Federal Credit Union. Cadets Federal Credit Union
CADETS FEDERAL CREDIT UNION 927 Grant St
https://cadetsfcu.com/ Buffalo, NY 14207-2820 
Cadets Federal Credit Union CD Rates
Cadets Federal Credit Union Mortgage Rates
Cadets Federal Credit Union Home Equity & HELOC
Cadets Federal Credit Union Auto Loan Rates
Cadets Federal Credit Union RV, Boat and Powersport Loan Rates
Cadets Federal Credit Union Personal Loan Rates
Cadets Federal Credit Union Other Rates
Financial Health HistoryCadets Federal Credit Union’s Texas Ratio fell from 13.88% in Q2 2023 to 8.32% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cadets 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 Cadets 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 Cadets Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cadets Federal Credit Union
Website
https://cadetsfcu.com/
Address
927 Grant St,
Buffalo, NY 14207-2820
Phone
716-771-3434
Fax
716-771-3435
President
BRETT MCDERMOTT
CEO
SANDRA KOPACZ
Full-Time Employees
2
Part-Time Employees
6
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.32%
Return on Assets (ROA)
-0.1561%
Return on Equity (ROE)
-1.8384%
Non-Performing Loans Ratio (NPL)
1.33%
Total Assets
17,772,965
Total Amount of Shares and Deposits
16,233,943
Total Shares and Deposits < 1 Year
13,419,756
Total Shares and Deposits 1 3 Years
2,741,447
Total Shares and Deposits > 3 Years
72,740
Total Insured Shares and Deposits > $250K (item 17 less item K)
16,233,943
Total Interest Expense (Sum of items 6 8)
81,044
Share Certificates
214
Number of Accounts for Share Drafts
442
IRA KEOGH Accounts
41
Number of Accounts for Regular Shares
1,659
All other shares
34
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)
1,206,701
Total Liabilities
16,264,104
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Cadets Federal Credit Union 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.
Add Your Rating and Review for Cadets Federal Credit Union
Frequently Asked Questions About Cadets Federal Credit UnionHow many branches does Cadets Federal Credit Union operate?Cadets 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 Cadets Federal Credit Union?Yes, to access services at Cadets 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, Cadets 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, Cadets Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cadets Federal Credit Union offer online and mobile banking?Most modern institutions like Cadets 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://cadetsfcu.com/. Current Cadets Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Willow Island Federal Credit Union
Wildfire Credit Union
HIGHMARK
Wayne County Federal Credit Union
Huntington West Va Firemens Federal Credit Union
SCA
Nucor Employees Credit Union
Soo-Co-Op Credit Union
Derry Area Federal Credit Union
Alpena-Alcona Area Credit Union
Air Academy Federal Credit Union
Parks Heritage Federal Credit Union
Leominster Credit Union
Route 31 Federal Credit Union
Seminole Public Schools Federal Credit Union
First Heritage Federal Credit Union
Aflac Federal Credit Union
South Texas Federal Credit Union
Ark Valley Credit Union
Cooperative Choice Network Credit Union
The West Tennessee Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking