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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.
LOCAL 804 Rates & Review March 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: March 16, 2026
LOCAL 804's savings rates are at 2.52%. LOCAL 804's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of LOCAL 804 with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.24%. Rates were last updated on 03/16/2026. 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. South Louisiana Bank
Local 804 FCU 44 S Bayles Ave Ste 204
http://www.cu804.org Port Washington, NY 11050 3765 
LOCAL 804 Savings Rates
LOCAL 804 Credit Card Rates
LOCAL 804 Personal Loan Rates
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
5
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 (96/100)
Texas Ratio
8.24%
Return on Assets (ROA)
1.9090%
Return on Equity (ROE)
6.1181%
Non-Performing Loans Ratio (NPL)
3.82%
Total Assets
21,041,940
Total Amount of Shares and Deposits
14,468,129
Total Shares and Deposits < 1 Year
14,248,129
Total Shares and Deposits 1 3 Years
220,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,709
Total Uninsured Shares and Deposits > $250K (F+J)
51,709
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,416,420
Total Interest Expense (Sum of items 6 8)
47,429
Share Certificates
9
Number of Accounts for Share Drafts
1,477
IRA KEOGH Accounts
3
Number of Accounts for Regular Shares
3,230
All other shares
337
Non Member Deposits
4
Net Income (unless the amount is already included in Undivided Earnings)
401,685
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
708,565
Total Liabilities
14,476,372
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About LOCAL 804Is LOCAL 804 a safe place to deposit money?Yes, LOCAL 804 is considered a safe financial institution. With a Texas Ratio of 8.2380229707468%, 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 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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