Pittsford Federal Credit Union Rates and Review March 2026
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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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Pittsford Federal Credit Union's 36 month CD rates are at 3.50%, 48 month CD rates are at 3.50%, 12 month CD rates are at 3.25%, 18 month CD rates are at 3.25%, 24 month CD rates are at 3.25%. Pittsford Federal Credit Union's savings rates are at 0.30%. Pittsford Federal Credit Union's 15 Year Mortgage rates are at 5.25%, 10 Year Mortgage rates are at 5.25%, 20 Year Mortgage rates are at 5.62%, 5/5/5 ARM Mortgage rates are at 5.00%, 30 Year Mortgage rates are at 6.00%. Pittsford Federal Credit Union's Personal Loan Rates are at 10.00%. Pittsford Federal Credit Union's Credit Card Rates are at 9.49%. MonitorBankRates evaluates the financial stability of Pittsford Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.21%. Rates were last updated on 02/28/2026.
Pittsford 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 Pittsford Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Pittsford Federal Credit Union Texas RatioPittsford Federal Credit Union's Texas Ratio is at 1.21%, which is considered excellent. The Texas Ratio for Pittsford Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Pittsford Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Pittsford Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Pittsford Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
Pittsford Federal Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 02/28/2026
Pittsford Federal Credit Union
PITTSFORD 20 Tobey Village Rd
Pittsford, NY 14534 1702 
Pittsford Federal Credit Union CD Rates
Pittsford Federal Credit Union Savings Rates
Pittsford Federal Credit Union Checking Rates
Pittsford Federal Credit Union Mortgage Rates
Pittsford Federal Credit Union Home Equity & HELOC
Pittsford Federal Credit Union Auto Loan Rates
Pittsford Federal Credit Union Credit Card Rates
Pittsford Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Pittsford 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 Pittsford 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 Pittsford Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Pittsford Federal Credit Union
Website: https://www.pittsfordfcu.org
Full Time Employees: 57Part Time Employees: 4 President: William Beach CEO: Brian Scudder Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
20 Tobey Village Rd
Pittsford, NY 14534 1702 Phone Number: 585-624-7474 Fax Number: FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
1.21%
Return on Assets (ROA):
0.4181%
Return on Equity (ROE):
3.5853%
Non-Performing Loans Ratio (NPL):
0.21%
Total Assets:
534,334,470
Total Amount of Shares and Deposits:
470,427,807
Total Shares and Deposits < 1 Year:
465,644,032
Total Shares and Deposits 1 3 Years:
3,998,662
Total Shares and Deposits > 3 Years:
785,113
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
38,683,265
Total Uninsured Shares and Deposits > $250K (F+J):
38,683,265
Total Insured Shares and Deposits > $250K (item 17 less item K):
431,744,542
Total Interest Expense (Sum of items 6 8):
5,858,953
Share Certificates:
4,818
Number of Accounts for Share Drafts:
13,250
IRA KEOGH Accounts:
981
Number of Accounts for Regular Shares:
18,132
All other shares:
1,826
Net Income (unless the amount is already included in Undivided Earnings):
2,233,923
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
65,812,777
Total Liabilities:
472,026,305
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsJFiB
December 17, 2025
viMG
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Frequently Asked Questions About Pittsford Federal Credit UnionIs a member application needed to join Pittsford Federal Credit Union?Yes, to access services at Pittsford Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Pittsford Federal Credit Union provides a range of mortgage and home equity products. Is Pittsford Federal Credit Union a safe place to deposit money?Yes, Pittsford Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Pittsford Federal Credit Union offer online and mobile banking?Most modern institutions like Pittsford Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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