Schenectady County Employees Federal Credit Union Rates and Review January 2026
Compare Schenectady County Employees 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 Schenectady County Employees 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. Rate Updates and AvailabilitySchenectady County 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 CD rates or other rates available. Have you opened an account or have any experiences at Schenectady County Employees Federal Credit Union? Share your experience about Schenectady County Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Schenectady County Employees Federal Credit Union. Overall, Schenectady County Employees Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Schenectady County Employees Federal Credit Union Schenectady County EFCU 388 Broadway Schenectady, NY 12305  CD & Savings Rate ComparisonShow 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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Crimson Rewards Card
13.740%
Academic VISA® Gold
15.400%
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
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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. Personal Loan Rate ComparisonDebt Consolidation
13.990%
$0
1 - 72
Personal Line of Credit
13.040%
$0
Readi Cash Line-of-Credit Revolving
13.900%
$500 - $15,000
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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 Schenectady County Employees Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Schenectady County Employees Federal Credit Union
Website: https://schcofcu.org
Full Time Employees: 1Part Time Employees: 0 President: Robert Dantz CEO: Denelle Albert Branch Locations: 2 ATM Locations: 0 Corporate Office Address:
388 Broadway
Schenectady, NY 12305 Phone Number: 518-374-3830 Fax Number: 518-374-3899 FinancialsTotal Assets:
5,327,176
Total Amount of Shares and Deposits:
4,916,472
Total Shares and Deposits < 1 Year:
4,296,268
Total Shares and Deposits 1 3 Years:
620,204
Total Insured Shares and Deposits > $250K (item 17 less item K):
4,916,472
Total Interest Expense (Sum of items 6 8):
37,143
Share Certificates:
33
Number of Accounts for Share Drafts:
215
Number of Accounts for Regular Shares:
741
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
676,352
Total Liabilities:
4,953,944
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Schenectady County Employees Federal Credit UnionIs a member application needed to join Schenectady County Employees Federal Credit Union?Yes, to access services at Schenectady County Employees Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Schenectady County Employees Federal Credit Union provides a range of mortgage and home equity products. Is Schenectady County Employees Federal Credit Union a safe place to deposit money?Yes, Schenectady County 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 Schenectady County Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Schenectady County Employees Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.15%, 6-month CD rates at 1.50% and 3-month CD rates at 0.20%. Savings rates are at 0.05% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 5.96%. Credit Card rates are at 7.99%. Personal Loan rates are at 11.74%. All these rates, and more, can be found in our database of rates which you can compare to 
