Financial Trust Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Financial Trust Federal Credit Union12-month CD rates can be found at 3.88%, 6-month CD rates at 2.52% and 3-month CD rates at 0.20%. Savings rates are at 0.05% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 6.78%. Credit Card rates are at 18.00%. Personal Loan rates are at 13.04%. All these rates, and more, can be found in our database of rates which you can compare to Financial Trust Federal Credit Union rates.

Compare Financial Trust Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Financial Trust Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Financial Trust 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 CD rates or other rates available. Have you opened an account or have any experiences at Financial Trust Federal Credit Union? Share your experience about Financial Trust Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Financial Trust Federal Credit Union.

Overall, Financial Trust Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Financial Trust Federal Credit Union
Harlem
3333 Harlem Rd
Cheektowaga, NY 14225
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Financial Trust Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Newtek Bank
Newtek Bank
12-Month CD
4.25%
$2,500
Abbey Credit Union
Abbey Credit Union
60-Month CD
3.90%
$500
First Community Bank Beemer, NE
First Community Bank Beemer, NE
24-Month CD
3.85%
$10,000
Pacific Crest SB
Pacific Crest SB
36-Month CD
3.80%
$2,000
North Shore Bank Co-op
12-Month CD
3.75%
$1,000
Riverland Bank
Riverland Bank
60-Month CD
3.75%
$1,000
New Peoples Bank
New Peoples Bank
24-Month CD
3.66%
$0
Woodlands National Bank
Woodlands National Bank
6-Month CD
3.60%
$1,000
American State Bank (TX)
American State Bank (TX)
36-Month CD
3.60%
$1,000
Leader Bank
Leader Bank
60-Month CD
3.50%
$1,000
CSB of Cheney, KS
CSB of Cheney, KS
36-Month CD
3.30%
$500
Generations Commercial Bank
12-Month CD
3.25%
$500
River Bank
River Bank
24-Month CD
3.03%
$1,000
Liberty Bank Poulsbo, WA
Liberty Bank Poulsbo, WA
18-Month CD (Jumbo)
3.00%
$100,000
ACMG Federal Credit Union
ACMG Federal Credit Union
48-Month CD
3.00%
$1,000
Achieve Financial Credit Union
Achieve Financial Credit Union
6-Month CD
2.53%
$1,000
Bank of Hartington
Bank of Hartington
48-Month CD
2.52%
$1,000
The Bank of Steinauer
The Bank of Steinauer
24-Month CD
2.22%
$500
First Security B&T Co. IA
First Security B&T Co. IA
36-Month CD
2.13%
$2,500
FNB of Brookfield
FNB of Brookfield
60-Month CD
2.02%
$1,000
Horicon Bank
Horicon Bank
12-Month CD
1.91%
$1,000
Metropolitan Bank and Trust Company
Metropolitan Bank and Trust Company
1-Month CD
1.81%
$1,000
Enterprise Bank Omaha, NE
Enterprise Bank Omaha, NE
48-Month CD
1.75%
$500
SSB Scott State Bank
SSB Scott State Bank
60-Month CD
1.51%
$1,000
CNB Bank Berkeley Springs, WV
CNB Bank Berkeley Springs, WV
60-Month CD
1.50%
$500
Consumers Credit Union
Consumers Credit Union
60-Month CD
1.50%
$250
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
24-Month CD
1.05%
$500
Lake-Osceola State Bank
Lake-Osceola State Bank
Money Market
1.00%
$1,000
Utah Independent Bank
Utah Independent Bank
Business Money Market
1.00%
$20,000
Continental Bank
Continental Bank
18-Month CD
0.80%
$25,000
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
3-Month CD
0.75%
$2,500
Stoughton Co-operative Bank
Stoughton Co-operative Bank
36-Month CD
0.50%
$500
Twin River Bank
Twin River Bank
Money Market
0.50%
$2,500
BankChampaign
BankChampaign
48-Month CD
0.50%
$500
OSB Odin State Bank
OSB Odin State Bank
Premium Money Market
0.45%
$2,500
Bank of Sun Prairie
Bank of Sun Prairie
Money Market
0.40%
$250,000
Bank of Franklin County
Bank of Franklin County
Patriot Money Market
0.35%
$50,000
Greene County Commercial Bank
Greene County Commercial Bank
48-Month CD
0.35%
$1,000
Bell Bank
Bell Bank
Regular Savings
0.30%
$50
Coffee County Bank
Coffee County Bank
Regular Savings
0.25%
$100
Forte Bank
Forte Bank
Primetime Checking
0.15%
$2,500
Bank of Star Valley
Bank of Star Valley
Money Market
0.10%
$1,000
Freedom Bank Columbia Falls, MT
Freedom Bank Columbia Falls, MT
Freedom Checking
0.10%
$1,500
Applied Bank
Applied Bank
Savings
0.05%
$100
First FSB of Angola
First FSB of Angola
Hi-Fi Money Market
0.05%
$1
First State Bank (MI)
First State Bank (MI)
36-Month CD
0.05%
$1,000
Haverhill Bank
Haverhill Bank
NOW Checking
0.05%
$10
Wrentham Co-operative Bank
Wrentham Co-operative Bank
Regular Savings
0.05%
$10
Grand Rapids SB
Grand Rapids SB
Savings
0.03%
$100
Bank of America
Bank of America
18-Month CD
0.03%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Financial Trust Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
10 Year Fixed
5.300%
5.494%
0.000
DCU Digital Federal Credit Union
DCU Digital Federal Credit Union
15-Year Fixed
5.500%
5.728%
1.125
McCoy Federal Credit Union
McCoy Federal Credit Union
10 Year Fixed
5.500%
5.820%
0.000
Wells Fargo
Wells Fargo
15-Year Fixed
5.625%
5.872%
1.000
Abound Federal Credit Union
Abound Federal Credit Union
5-Year ARM
5.875%
5.958%
0.000
USB Union Savings Bank
USB Union Savings Bank
15-Year Fixed
5.875%
6.087%
0.000
Norfolk Community Federal Credit Union
Norfolk Community Federal Credit Union
15 Year Fixed
5.999%
6.101%
0.250
Northfield Savings Bank
Northfield Savings Bank
15-Year Fixed
6.000%
6.102%
0.000
Vystar Credit Union
Vystar Credit Union
15-Year Fixed
6.125%
6.208%
0.000
First Northern Credit Union
First Northern Credit Union
10 Year Fixed
6.125%
6.218%
0.000
Missouri Credit Union
Missouri Credit Union
10 Year Fixed
6.000%
6.223%
0.000
Geddes Federal S&L
Geddes Federal S&L
7/1 ARM
6.504%
6.250%
0.000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
15-Year Fixed
6.000%
6.260%
1.000
First National Bank of Hutchinson
First National Bank of Hutchinson
10-Year Fixed
6.000%
6.280%
0.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
10-Year Fixed
5.875%
6.283%
0.000
Vystar Credit Union
Vystar Credit Union
5/5 ARM
5.750%
6.330%
0.000
Accentra Credit Union
Accentra Credit Union
15-Year Fixed
6.000%
6.365%
0.000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
30-Year Fixed
6.375%
6.435%
0.000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
30-Year Fixed (Jumbo)
6.375%
6.435%
0.000
M&T Bank
M&T Bank
15-Year Fixed
6.125%
6.443%
0.000
Partners Federal Credit Union
Partners Federal Credit Union
5/1 ARM
5.750%
6.457%
0.000
Sacramento Credit Union
Sacramento Credit Union
20-Year Fixed
6.250%
6.466%
0.500
Morton Lane Federal Credit Union
Morton Lane Federal Credit Union
15 Year Fixed
6.375%
6.484%
0.000
Manasquan Bank
Manasquan Bank
15-Year Fixed
6.375%
6.505%
0.000
Greater Iowa Credit Union
Greater Iowa Credit Union
20 Year Fixed
6.490%
6.558%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Financial Trust Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
Acipco Federal Credit Union
Acipco Federal Credit Union
Visa Credit Card
9.990%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Rewards
15.740% - 17.990%
Achieva Credit Union
Achieva Credit Union
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Suncoast Credit Union
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
Abri Credit Union
Abri Credit Union
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC REWARDS VISA
18.000%
ABNB Federal Credit Union
ABNB Federal Credit Union
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
1st Northern California Credit Union
1st Northern California Credit Union
Visa Classic
11.900%
Vystar Credit Union
Vystar Credit Union
Savings Secured Visa®
18.000%
Vystar Credit Union
Vystar Credit Union
Visa Signature® Rewards
17.750%
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
America First Federal Credit Union
America First Federal Credit Union
SILICON SLOPES SIGNATURE VISA
18.000%
Unlimited 1% Cash Back .5% Donation Signature Card
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
ACFCU
ACFCU
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Cash Back
16.490% - 17.990%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier Plus
8.900%
Abbey Credit Union
Abbey Credit Union
VISA® Gold
11.960%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Financial Trust Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
1st Northern California Credit Union
1st Northern California Credit Union
1st Line of Credit
9.900%
$0
A+ Federal Credit Union
A+ Federal Credit Union
A+ Personal Loan
8.990%
$0
84
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
10.490%
$0
60 - 60
1st Valley Credit Union
1st Valley Credit Union
Next Step Loan
10.500%
$0
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $500
48 - 48
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
13.060%
$0
1 - 36
1st United Credit Union
1st United Credit Union
Personal Line of Credit Variable
13.150%
$0
Circuit Federal Credit Union
Circuit Federal Credit Union
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
Acipco Federal Credit Union
Acipco Federal Credit Union
Signature Loan
10.000%
$0
1 - 36
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Unsecured (Signature) Loan
11.000%
$0 - $500
Academic Federal Credit Union
Academic Federal Credit Union
Debt Consolidation Loan
9.000%
$0
108
ACFCU
ACFCU
Gold Star Loan
14.200%
$0
48
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Personal Loan Rates
5.740%
$0
1 - 36
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
ACFCU
ACFCU
Line of Credit
13.700%
$0
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
11.240% - 17.950%
$0
25 - 36
802 Credit Union
802 Credit Union
Personal/Signature
10.990%
$0
24 - 36
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
AAEC Credit Union
AAEC Credit Union
Bill Consolidation Loan
8.990%
$0
60
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
12.740%
$0 - $50,000
61 - 72
ACFCU
ACFCU
Personal Loans
13.450%
$0
60
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Financial Trust Federal Credit Union rate data right now, check back for updates, we are adding rates all the time.

Financial Trust Federal Credit Union Information

Credit Union Name: Financial Trust Federal Credit Union
Full Time Employees: 26
Part Time Employees: 3
President: Timothy Oldenburg
CEO: John Morrison
Branch Locations: 6
ATM Locations: 5
Corporate Office Address:
3333 Harlem Rd
Cheektowaga, NY 14225
Phone Number: 716-831-3007
Fax Number: 716-831-0669

Financial Trust Federal Credit Union Financials

Total Assets:
170,305,358
Total Amount of Shares and Deposits:
145,422,204
Total Shares and Deposits < 1 Year:
134,913,080
Total Shares and Deposits 1 3 Years:
8,915,848
Total Shares and Deposits > 3 Years:
1,593,277
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,688,487
Total Uninsured Shares and Deposits > $250K (F+J):
2,688,487
Total Insured Shares and Deposits > $250K (item 17 less item K):
142,733,717
Total Interest Expense (Sum of items 6 8):
290,647
Share Certificates:
818
Number of Accounts for Share Drafts:
6,233
IRA KEOGH Accounts:
98
Number of Accounts for Regular Shares:
15,539
Money Market Shares:
339
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
6,351,749
Total Liabilities:
146,270,679
Show More

Financial Trust Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
No
Approved Mortgage Seller?:
No
Deposits and Shares Meeting 70310(a):
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
No
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates are slightly higher this week but are still near the record lows set in 2013. 30 year mortgage rates today are averaging 3.94 percent, an increase from the prior week's average 30 year rate of 3.92 percent. The record low for 30 year rates was 3.35 percent set in May 2013.
First Florida Credit Union is advertising regular certificates of deposit, four "Special" certificates of deposit, a 24 "Month Step" certificate and a 24 month "Sand Dollar" certificate. The regular certificates of deposit have some of the best CD rates available these days.
Current savings account rates and money market rates are still near record lows as we head into the new year. 2013 ends another year of very low deposit rates. Interest rates have been low for over 5 years now, ever since the financial crisis and "Great Recession." The question we hear all the time is when we can expect deposit rates to move higher.

Bank or Credit Union Offers and Deals

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Federal Open Market Committee Keeps Fed Funds Rate at Exceptionally Low Levels Until Middle 2015
3-7 Mortgage Rates and Refinance Rates: 15 Year Conforming Mortgage Rates Averaging 4.26%
Navy Federal Credit Union Auto Loans
CIBC Savings Rates at 3.00 Percent
Mortgage Rates Stable as National Home Prices are Up 3.6 Percent in Case-Shiller Index
Mortgage Rates Decline Again in 2019
Mortgage Rates Jump Higher: 30 Year Mortgage Rates at 5.16%

Alternative Bank and Credit Union Offers to Explore

Chase Bank 1 Year ARM Refinance Rate of 4.427%
Higher Insurance Premiums Ending for Women
Today's Mortgage Rates: Current Average Mortgage Rates November 30, 2009
Savings Interest Rates Stuck at Low Levels as Bond Yields Soar
Mortgage Rates: Special Financing Available on Fannie Mae Homes Through HomePath® Mortgages, Says Informa Research Services
Mortgage Rates: Current Mortgage Rates up Says Freddie
Bank of America 3 Month CD Rate
Bread Savings Rates at 4.65% APY
30 Year Rates Fall Below 3.50 as 548,000 Homes Regain Equity
Luana Savings Bank 5 Year Jumbo CD Rates now at 1.35%

Financial Trust Federal Credit Union Reviews

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