Rochester Area State Employees 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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Rochester Area State Employees 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 Rochester Area State Employees Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Rochester Area State Employees Federal Credit Union Texas RatioRochester Area State Employees Federal Credit Union's Texas Ratio is at 10.10%, which is considered excellent. The Texas Ratio for Rochester Area State Employees Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Rochester Area State Employees 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
Rochester Area State Employees 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, Rochester Area State Employees 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
Excellent Health
Score: 95/100
Rochester Area State Employees 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: 03/07/2026
Rochester Area State Employees Federal Credit Union
Credit Union Office 2300 Buffalo Rd Bldg 400B
Rochester, NY 14624 1366 
Current Rate AvailabilityWe do not have Rochester Area State Employees Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Rochester Area State Employees 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 Rochester Area State Employees 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 Rochester Area State Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Rochester Area State Employees Federal Credit Union
Website: https://www.rasefcu.org/
Full Time Employees: 2Part Time Employees: 2 President: Herbert Skerker CEO: Carl Byers Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
2300 Buffalo Rd Bldg 400B
Rochester, NY 14624 1366 Phone Number: 585-272-0020 Fax Number: 585-272-0022 FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (95/100)
Texas Ratio:
10.10%
Return on Assets (ROA):
-0.0522%
Return on Equity (ROE):
-0.4826%
Non-Performing Loans Ratio (NPL):
2.25%
Total Assets:
17,648,986
Total Amount of Shares and Deposits:
15,797,936
Total Shares and Deposits < 1 Year:
15,757,894
Total Shares and Deposits 1 3 Years:
40,042
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
418,207
Total Uninsured Shares and Deposits > $250K (F+J):
418,207
Total Insured Shares and Deposits > $250K (item 17 less item K):
15,379,729
Total Interest Expense (Sum of items 6 8):
25,577
Share Certificates:
82
Number of Accounts for Share Drafts:
549
IRA KEOGH Accounts:
57
Number of Accounts for Regular Shares:
1,901
Money Market Shares:
146
Net Income (unless the amount is already included in Undivided Earnings):
-9,208
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,716,487
Total Liabilities:
15,785,971
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Source: NCUA Last Updated 03/31/2024
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Frequently Asked Questions About Rochester Area State Employees Federal Credit UnionIs a member application needed to join Rochester Area State Employees Federal Credit Union?Yes, to access services at Rochester Area State Employees Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Rochester Area State Employees Federal Credit Union provides a range of mortgage and home equity products. Is Rochester Area State Employees Federal Credit Union a safe place to deposit money?Yes, Rochester Area State Employees Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Rochester Area State Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Rochester Area State Employees Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare Rochester Area State Employees Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.60%, 6-month share certificate rates at 3.56% and 3-month share certificate rates at 0.50%. Savings rates are at 1.00% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates, and more, can be found in our database of rates which you can compare to 
