What are the current interest rates at Seneca Nation Of Indians Federal Credit Union?

Current rates for Seneca Nation Of Indians Federal Credit Union include: 12-Month CD: 3.03%, 24-Month CD: 3.29%, 60-Month CD: 3.55%, Savings: 1.50%

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Seneca Nation Of Indians Federal Credit Union

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Seneca Nation Of Indians Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Seneca Nation Of Indians Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Seneca Nation Of Indians Federal Credit Union's 36 Month CD rates are at 3.55%, 48 Month CD rates are at 3.55%, 60 Month CD rates are at 3.55%, 24 Month CD rates are at 3.29%, 12 Month CD rates are at 3.03%. Seneca Nation Of Indians Federal Credit Union's savings rates are at 1.50%. MonitorBankRates evaluates the financial stability of Seneca Nation Of Indians Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.66%. Rates last updated and verified on 09/21/2026.

Seneca Nation Of Indians 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 Seneca Nation Of Indians Federal Credit Union? Share your experience about Seneca Nation Of Indians Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Seneca Nation Of Indians Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.66%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Seneca Nation Of Indians Federal Credit Union
Seneca Nation of Indians FCU

12837 Route 438
Irving, NY 14081

https://www.snifcu.org/

Seneca Nation Of Indians Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Certificate	3.50%	3.55%	36 Month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%
48 Month Certificate	3.50%	3.55%	48 Month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%
60 Month Certificate	3.50%	3.55%	60 Month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%
24 Month Certificate	3.25%	3.29%	24 Month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%
12 Month Certificate	3.00%	3.03%	12 Month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%

Seneca Nation Of Indians Federal Credit Union Savings Rates

Product	Rate	APY
Savings	2.00%	2.00%
Min Balance $25,000 Details Balance: 25,000.00 and Over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%
Savings	1.50%	1.50%
Min Balance $2,500 Details Balance: 2,500.00 - 24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.66%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Seneca Nation Of Indians Federal Credit Union’s Texas Ratio fell from 12.23% in Q2 2023 to 3.66% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$10M	3.66%	5.0	A+
December 31, 2025	$9M	13.92%	5.0	A
September 30, 2025	$9M	13.75%	5.0	A
June 30, 2025	$9M	12.87%	5.0	A
March 31, 2025	$9M	12.39%	5.0	A
December 31, 2024	$8M	14.40%	5.0	A-
September 30, 2024	$8M	13.03%	5.0	A
June 30, 2024	$8M	14.14%	5.0	A-
March 31, 2024	$8M	12.03%	5.0	A
December 31, 2023	$7M	17.90%	4.8	B+
September 30, 2023	$8M	10.57%	5.0	A
June 30, 2023	$8M	12.23%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Seneca Nation Of Indians 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 Seneca Nation Of Indians 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 Seneca Nation Of Indians Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Seneca Nation Of Indians Federal Credit Union

Website https://www.snifcu.org/

Address 12837 Route 438, Irving, NY 14081

Phone 716-532-8179

Fax

President Lucille White

CEO Jordan Garrow

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.66%

Return on Assets (ROA)

-0.0951%

Return on Equity (ROE)

-0.7453%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

9,784,070

Total Amount of Shares and Deposits

8,551,525

Total Shares and Deposits < 1 Year

8,227,308

Total Shares and Deposits 1 3 Years

211,313

Total Shares and Deposits > 3 Years

112,901

Total Insured Shares and Deposits > $250K (item 17 less item K)

8,551,525

Total Interest Expense (Sum of items 6 8)

13,748

Share Certificates

Number of Accounts for Share Drafts

2,023

Number of Accounts for Regular Shares

2,772

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

16,478

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)

3,956,502

Total Liabilities

8,535,238

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Seneca Nation Of Indians Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Seneca Nation Of Indians Federal Credit Union

How many branches does Seneca Nation Of Indians Federal Credit Union operate?

Seneca Nation Of Indians Federal Credit Union 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 Seneca Nation Of Indians Federal Credit Union?

Yes, to access services at Seneca Nation Of Indians Federal Credit Union, 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, Seneca Nation Of Indians Federal Credit Union 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, Seneca Nation Of Indians Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Seneca Nation Of Indians Federal Credit Union offer online and mobile banking?

Most modern institutions like Seneca Nation Of Indians Federal Credit Union 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: https://www.snifcu.org/.