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Southern Chautauqua Federal Credit Union Rates & Review October 2026

Southern Chautauqua Federal Credit Union's top rates as of October 12, 2026 are 3.23% APY on its CD - 12 month, 7.49% on its Farm Equipment Loan mortgage, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Southern Chautauqua Federal Credit Union CD rates include CD - 24 month at 3.23%, CD - 36 month at 3.23%, and CD - 48 month at 3.23%. Other Southern Chautauqua Federal Credit Union mortgage rates include Farm Equipment Loan at 8.49%. MonitorBankRates evaluates the financial stability of Southern Chautauqua Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.07%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.07%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Southern Chautauqua Federal Credit Union
Lakewood
168 E Fairmount Ave
Lakewood, NY 14750
https://www.665-7000.com/
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Southern Chautauqua Federal Credit Union CD Rates

Product Rate APY Term View More
Share Certificate - 12 month 3.178% 3.225% 12 Months
Min Deposit $250
Details Penalty for early withdrawal; $250 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.23% APY · checked 8 times
2.73%3.23%3.73%Sep 12, 2026: 3.23% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Share Certificate - 24 month 3.178% 3.225% 24 Months
Min Deposit $250
Details Penalty for early withdrawal; $250 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.23% APY · checked 8 times
2.73%3.23%3.73%Sep 12, 2026: 3.23% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Share Certificate - 36 month 3.178% 3.225% 36 Months
Min Deposit $250
Details Penalty for early withdrawal; $250 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.23% APY · checked 8 times
2.73%3.23%3.73%Sep 12, 2026: 3.23% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Share Certificate - 48 month 3.178% 3.225% 48 Months
Min Deposit $250
Details Penalty for early withdrawal; $250 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.23% APY · checked 8 times
2.73%3.23%3.73%Sep 12, 2026: 3.23% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Share Certificate - 60 month 3.00% 3.042% 60 Months
Min Deposit $250
Details Penalty for early withdrawal; $250 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 8 times
2.54%3.04%3.54%Sep 12, 2026: 3.04% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Share Certificate - 3 month 2.21% 2.233% 3 Months
Min Deposit $250
Details Penalty for early withdrawal; $250 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.23% APY · checked 8 times
1.73%2.23%2.73%Sep 12, 2026: 2.23% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Southern Chautauqua Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Farm Equipment Loan - - 7.49% Up to 36 months
Details As Low As; Loan amount: Up to $5,000; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 12, 2026: 7.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Farm Equipment Loan - - 8.49% Up to 48 months
Details As Low As; Loan amount: $5,001 to $20,000; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.49% APR · checked 2 times
7.99%8.49%8.99%Oct 8, 2026: 8.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Farm Equipment Loan - - 8.49% Up to 60 months
Details As Low As; Loan amount: $20,001 to $25,000; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.49% APR · checked 2 times
7.99%8.49%8.99%Oct 8, 2026: 8.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Farm Equipment Loan - - 8.49% Up to 72 months
Details As Low As; Loan amount: $25,001+; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.49% APR · checked 2 times
7.99%8.49%8.99%Oct 8, 2026: 8.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Southern Chautauqua Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity - - 6.99% 0 - 60 months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Fixed Rate Home Equity - - 6.99% 61 - 120 months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Fixed Rate Home Equity - - 6.99% 121 - 240 months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Southern Chautauqua Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Car - up to 66 months Loan - - 5.49% up to 66 months
Details Fixed Annual Percentage Rate; As Low As
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Used Car Loan - - 5.99% Up to 66 months
Details As Low As; Fixed APR; Model Year: 2025, 2024-2023
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 8, 2026: 5.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Used Car Loan - - 5.99% Up to 60 months
Details As Low As; Fixed APR; Model Year: 2022 to 2021
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 8, 2026: 5.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Used Car Loan - - 6.29% 67 to 78 months
Details As Low As; Fixed APR; Model Year: 2025, 2024-2023
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.29% APR · checked 2 times
5.79%6.29%6.79%Oct 8, 2026: 6.29% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
New Car - 67 - 78 months Loan - - 6.49% 67-78 months
Details Fixed Annual Percentage Rate; As Low As
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Used Car Loan - - 6.49% 61 to 66 Months
Details As Low As; Fixed APR; Model Year: 2022 to 2021
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 8, 2026: 6.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Used Car Loan - - 6.99% Up to 54 Months
Details As Low As; Fixed APR; Model Year: 2020 and older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 8, 2026: 6.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Used Car Loan - - 7.49% 55 to 60 Months
Details As Low As; Fixed APR; Model Year: 2020 and older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 8, 2026: 7.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Southern Chautauqua Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle - New Loan - 9.49% Up to 10 years
Details As Low As; Fixed Annual Percentage Rate (APR)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 12, 2026: 9.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Recreational Vehicle - Used, 1 to 3 years old Loan - 10.49% 8 years
Details As Low As; Fixed Annual Percentage Rate (APR)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 12, 2026: 10.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Recreational Vehicle - Used, 4 years and older Loan - 10.49% 5 years
Details As Low As; Fixed Annual Percentage Rate (APR)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 12, 2026: 10.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Southern Chautauqua Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Consumer Loan 9.99% Over 72 to 108 Months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 12, 2026: 9.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Unsecured Consumer Loan 10.99% Up to 36 months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 12, 2026: 10.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Unsecured Consumer Loan 10.99% Up to 48 months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 12, 2026: 10.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Unsecured Consumer Loan 11.99% Up to 60 months
Details As Low As; Fixed Annual Percentage Rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 12, 2026: 11.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Southern Chautauqua Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Shared Secure/Credit Builder/Rebuilder Loan - - 4.24% Up to 36 months
Details As Low As; Fixed APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Shared Secure/Credit Builder/Rebuilder Loan - - 5.49% Over 36 to 72 Months
Details As Low As; Fixed APR
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Shared Secure/Credit Builder/Rebuilder Loan - - 6.49% 72 months
Details Term: Over 72 to 108 Months; As Low As; Fixed APR
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Roth IRA 2.21% - 2.233% 3 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.23% APY
1.73%2.23%2.73%Oct 12, 2026: 2.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Roth IRA 3.178% - 3.225% 12 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Roth IRA 3.178% - 3.225% 24 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Roth IRA 3.178% - 3.225% 36 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Roth IRA 3.178% - 3.225% 48 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Roth IRA - - 3.225% 60 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Traditional IRA - - 3.225% 3 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Traditional IRA 3.178% - 3.225% 12 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Traditional IRA 3.178% - 3.225% 24 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Traditional IRA 3.178% - 3.225% 36 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Traditional IRA 3.178% - 3.225% 48 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 12, 2026: 3.23% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%
Traditional IRA 3.00% - 3.042% 60 Months
Min Balance $2,000
Details IRAs; Penalty for early withdrawal applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.07%

Financial Health History

Southern Chautauqua Federal Credit Union’s Texas Ratio rose from 2.87% in Q3 2023 to 6.07% in Q2 2026, so its financial health has held steady at a healthy level 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.87% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A Q1 2026 6.07% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$163M6.07%5.0A
March 31, 2026$166M8.18%5.0A
December 31, 2025$162M5.26%5.0A+
September 30, 2025$158M3.83%5.0A+
June 30, 2025$161M2.29%5.0A+
March 31, 2025$157M1.93%5.0A+
December 31, 2024$151M3.41%5.0A+
September 30, 2024$149M3.52%5.0A+
June 30, 2024$151M5.41%5.0A+
March 31, 2024$150M5.74%5.0A+
December 31, 2023$141M5.75%5.0A+
September 30, 2023$143M2.87%5.0A+
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 Southern Chautauqua 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 Southern Chautauqua 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 Southern Chautauqua Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southern Chautauqua Federal Credit Union
Address 168 E Fairmount Ave, Lakewood, NY 14750
Phone 716-665-7000
Fax 716-484-8653
President William Caldwell
CEO John Felton
Full-Time Employees 78
Part-Time Employees 7
Branch Locations 9
ATM Locations 5
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.07%
Return on Assets (ROA)
0.8101%
Return on Equity (ROE)
4.6088%
Non-Performing Loans Ratio (NPL)
1.61%
Total Assets
163,109,275
Total Amount of Shares and Deposits
134,774,208
Total Shares and Deposits < 1 Year
113,905,255
Total Shares and Deposits 1 3 Years
16,826,830
Total Shares and Deposits > 3 Years
4,042,123
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,160,021
Total Uninsured Shares and Deposits > $250K (F+J)
7,160,021
Total Insured Shares and Deposits > $250K (item 17 less item K)
127,614,187
Total Interest Expense (Sum of items 6 8)
708,380
Share Certificates
6,112
Number of Accounts for Share Drafts
12,016
IRA KEOGH Accounts
351
Number of Accounts for Regular Shares
25,343
All other shares
244
Non Member Deposits
17
Money Market Shares
362
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)
16,234,747
Total Liabilities
140,339,896
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Southern Chautauqua Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Southern Chautauqua Federal Credit Union

How many branches does Southern Chautauqua Federal Credit Union operate?

Southern Chautauqua 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 Southern Chautauqua Federal Credit Union?

Yes, to access services at Southern Chautauqua 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, Southern Chautauqua 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, Southern Chautauqua Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Southern Chautauqua Federal Credit Union offer online and mobile banking?

Most modern institutions like Southern Chautauqua 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.665-7000.com/.

Current Southern Chautauqua Federal Credit Union Rates

  • 12-Month CD3.23%
  • 24-Month CD3.23%
  • 60-Month CD3.04%
Retrieved from our database of financial products. Rates subject to change.