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Syracuse Cooperative Federal Credit Union

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Syracuse Cooperative Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Syracuse Cooperative 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: June 9, 2026

You can compare Syracuse Cooperative Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.65%, 6-month share certificate rates at 0.60% and 3-month share certificate rates at 3.80%. Savings rates are at 0.20% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.54%. All these rates can be compared to Syracuse Cooperative Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Syracuse Cooperative Federal Credit Union with a 3.4 Star Rating, an D Overall Health Grade, and a Texas Ratio of 34.49%. Rates were last updated on 06/09/2026.

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

Overall Health & Safety Grade

Weak Health Score: 67/100

MonitorBankRates Rating

3.4

Good Out of 5.0 Stars

Texas Ratio

34.49%

Fair Higher than avg

Syracuse Cooperative Federal Credit Union
Erie Blvd E

1816 Erie Blvd E
Syracuse, NY 13210

https://www.cooperativefederal.org

Syracuse Cooperative Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
7/1 Hybrid In-House Loan	-	-	5.63%
Details Rates change daily Last Updated 06/09/2026 Institution Ratings 2.9 Star Rating F Health Grade ◈ Texas Ratio: 34.49%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Syracuse Cooperative 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 Syracuse Cooperative 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 Syracuse Cooperative Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Syracuse Cooperative Federal Credit Union

Website https://www.cooperativefederal.org

Address 1816 Erie Blvd E, Syracuse, NY 13210

Phone 315-471-1116

Fax 315-476-0567

President Moise Laub

CEO Christina Sauve

Full-Time Employees 30

Part-Time Employees 2

Branch Locations 2

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

3.4 / 5.0 ★

Overall Health & Safety Grade

D (67/100)

Texas Ratio

34.49%

Return on Assets (ROA)

3.7406%

Return on Equity (ROE)

30.9574%

Non-Performing Loans Ratio (NPL)

6.00%

Total Assets

43,173,687

Total Amount of Shares and Deposits

34,885,942

Total Shares and Deposits < 1 Year

33,917,021

Total Shares and Deposits 1 3 Years

714,461

Total Shares and Deposits > 3 Years

254,460

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

2,898,668

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

6,139,737

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

28,746,205

Total Interest Expense (Sum of items 6 8)

250,093

Share Certificates

101

Number of Accounts for Share Drafts

2,011

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,628

All other shares

288

Non Member Deposits

Money Market Shares

159

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,664,339

Total Liabilities

39,149,501

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Syracuse Cooperative Federal Credit Union

How many branches does Syracuse Cooperative Federal Credit Union operate?

Syracuse Cooperative 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 Syracuse Cooperative Federal Credit Union?

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

Does Syracuse Cooperative Federal Credit Union offer online and mobile banking?

Most modern institutions like Syracuse Cooperative 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.cooperativefederal.org.