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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
TROY Rates & Review March 2026
Content reviewed by
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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
You can compare TROY rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 3.85% and 3-month share certificate rates at 2.00%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to TROY rates. MonitorBankRates evaluates the financial stability of TROY with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/25/2026. TROY 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 TROY? Share your experience about TROY by leaving a review below, or read customer reviews before you decide to use TROY. Farmers National Bank of Griggsville
TROY FEDERAL CREDIT UNION 2175 6TH AVE
TROY, NY 12180 
Current Rate AvailabilityWe do not have TROY 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 TROY 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 TROY 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 TROY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
TROY
Address
2175 6TH AVE,
TROY, NY 12180
Phone
518-272-1688
Fax
518-272-9387
President
CHARLES WILLSON
CEO
KEVIN GORDON
Full-Time Employees
1
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.1573%
Return on Equity (ROE)
0.9564%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
3,557,057
Total Amount of Shares and Deposits
2,967,581
Total Shares and Deposits < 1 Year
2,967,581
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,967,581
Total Interest Expense (Sum of items 6 8)
42,158
Number of Accounts for Regular Shares
714
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
514,699
Total Liabilities
2,971,949
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About TROYIs TROY a safe place to deposit money?Yes, TROY is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does TROY operate?TROY 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 TROY?Yes, to access services at TROY, 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, TROY 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, TROY provides members with tools to manage their accounts and build a solid financial history. Does TROY offer online and mobile banking?Most modern institutions like TROY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. Compare to Other Credit Unions
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