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LOCAL 804 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.
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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 and Verified: September 22, 2026
LOCAL 804's 36 Month CD rates are at 2.93%, CD - 36 month rates are at 2.93%, 24 Month CD rates are at 2.83%, CD - 24 month rates are at 2.83%, 24 Month CD rates are at 2.78%. LOCAL 804's savings rates are at 2.52%. LOCAL 804's Personal Loan Rates are as low as 9.75%. LOCAL 804's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of LOCAL 804 with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.87%. Rates last updated and verified on 09/22/2026. LOCAL 804 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 LOCAL 804? Share your experience about LOCAL 804 by leaving a review below, or read customer reviews before you decide to use LOCAL 804. 
LOCAL 804 CD Rates
LOCAL 804 Savings Rates
LOCAL 804 Auto Loan Rates
LOCAL 804 RV, Boat and Powersport Loan Rates
LOCAL 804 Credit Card Rates
LOCAL 804 Personal Loan Rates
Financial Health HistoryLOCAL 804’s Texas Ratio fell from 9.59% in Q2 2023 to 6.87% 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)
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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 LOCAL 804 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 LOCAL 804 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 LOCAL 804's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
LOCAL 804
Website
http://www.cu804.org
Address
44 S Bayles Ave Ste 204,
Port Washington, NY 11050-3765
Phone
718-878-4622
Fax
718-878-4623
President
Myles Dunn
CEO
Ysemny Abood
Full-Time Employees
4
Part-Time Employees
0
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 (97/100)
Texas Ratio
6.87%
Return on Assets (ROA)
0.4772%
Return on Equity (ROE)
1.5345%
Non-Performing Loans Ratio (NPL)
3.58%
Total Assets
21,709,656
Total Amount of Shares and Deposits
14,952,502
Total Shares and Deposits < 1 Year
14,712,504
Total Shares and Deposits 1 3 Years
240,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
741
Total Uninsured Shares and Deposits > $250K (F+J)
741
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,951,761
Total Interest Expense (Sum of items 6 8)
21,211
Share Certificates
6
Number of Accounts for Share Drafts
1,443
Number of Accounts for Regular Shares
3,166
All other shares
421
Non Member Deposits
4
Net Income (unless the amount is already included in Undivided Earnings)
103,597
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)
621,521
Total Liabilities
14,958,521
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for LOCAL 804 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 LOCAL 804
Frequently Asked Questions About LOCAL 804How many branches does LOCAL 804 operate?LOCAL 804 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 LOCAL 804?Yes, to access services at LOCAL 804, 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, LOCAL 804 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, LOCAL 804 provides members with tools to manage their accounts and build a solid financial history. Does LOCAL 804 offer online and mobile banking?Most modern institutions like LOCAL 804 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: http://www.cu804.org. Current LOCAL 804 Rates
Retrieved from our database of financial products. Rates subject to change.
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