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VAN CORTLANDT COOPERATIVE

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VAN CORTLANDT COOPERATIVE Rates & Review April 2026

Q: Is a member application needed to join VAN CORTLANDT COOPERATIVE?

Yes, to access services at VAN CORTLANDT COOPERATIVE, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, VAN CORTLANDT COOPERATIVE 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: April 14, 2026

You can compare VAN CORTLANDT COOPERATIVE rates to other rates in our database, including 12-month share certificate rates currently at 2.50%, 6-month share certificate rates at 3.40% and 3-month share certificate rates at 3.00%. Savings rates are at 0.73% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to VAN CORTLANDT COOPERATIVE rates. MonitorBankRates evaluates the financial stability of VAN CORTLANDT COOPERATIVE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.51%. Rates were last updated on 04/14/2026.

VAN CORTLANDT COOPERATIVE 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 VAN CORTLANDT COOPERATIVE? Share your experience about VAN CORTLANDT COOPERATIVE by leaving a review below, or read customer reviews before you decide to use VAN CORTLANDT COOPERATIVE.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.51%

Excellent Lower than avg

Merchants State Bank
VCCFCU

3960 Hillman Ave
Bronx, NY 10463

http://www.vccfcu.com

VAN CORTLANDT COOPERATIVE Checking Rates

Product	Rate	APY	View More
Share Draft Checking	0.30%	0.30%
Min Balance $300 Last Updated 04/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

VAN CORTLANDT COOPERATIVE Credit Card Rates

Product	Rate	APR
Classic Visa	-	9.90%
Details Regular APR: 9.90% for purchases; 11.90% for cash advances; *16.90% for Delinquency Last Updated 04/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Secured Visa	-	9.90%
Details Regular APR: 9.90% for purchases; 11.90% for cash advances; *16.90% for Delinquency Last Updated 04/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for VAN CORTLANDT COOPERATIVE 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 VAN CORTLANDT COOPERATIVE 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 VAN CORTLANDT COOPERATIVE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name VAN CORTLANDT COOPERATIVE

Website http://www.vccfcu.com

Address 3960 Hillman Ave, Bronx, NY 10463

Phone 718-549-5858

Fax 718-549-2921

President Andrew Kimerling

CEO Mirela Alexe

Full-Time Employees 4

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.51%

Return on Assets (ROA)

0.3499%

Return on Equity (ROE)

2.9932%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

54,224,731

Total Amount of Shares and Deposits

47,788,810

Total Shares and Deposits < 1 Year

47,788,810

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,576,110

Total Uninsured Shares and Deposits > $250K (F+J)

2,576,110

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

45,212,700

Total Interest Expense (Sum of items 6 8)

147,842

Share Certificates

Number of Accounts for Share Drafts

897

IRA KEOGH Accounts

184

Number of Accounts for Regular Shares

1,516

All other shares

134

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,455,526

Total Liabilities

47,849,793

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About VAN CORTLANDT COOPERATIVE

Is VAN CORTLANDT COOPERATIVE a safe place to deposit money?

Yes, VAN CORTLANDT COOPERATIVE is considered a safe financial institution. With a Texas Ratio of 2.5139527762866%, the institution's financial health is rated as excellent. 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 VAN CORTLANDT COOPERATIVE operate?

VAN CORTLANDT COOPERATIVE 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 VAN CORTLANDT COOPERATIVE?

Yes, to access services at VAN CORTLANDT COOPERATIVE, 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, VAN CORTLANDT COOPERATIVE 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, VAN CORTLANDT COOPERATIVE provides members with tools to manage their accounts and build a solid financial history.

Does VAN CORTLANDT COOPERATIVE offer online and mobile banking?

Most modern institutions like VAN CORTLANDT COOPERATIVE 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: http://www.vccfcu.com.