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iAdvertiser Disclosure
Advertiser Disclosure
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 The Finest Federal Credit Union Rates & Review August 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.
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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 and Verified: August 28, 2026
The Finest Federal Credit Union's 12 Mo IRA Cert rates are at 3.56%, 12 Mo Share Cert rates are at 3.56%, 24 Mo IRA Cert rates are at 3.56%, 24 Mo Share Cert rates are at 3.56%, 36 Mo IRA Cert rates are at 3.30%. The Finest Federal Credit Union's Personal Loan Rates are at 6.75%. MonitorBankRates evaluates the financial stability of The Finest Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates last updated and verified on 08/28/2026. The Finest 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 The Finest Federal Credit Union? Share your experience about The Finest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use The Finest Federal Credit Union. The Finest Federal Credit Union
Main Branch Police Plaza 215 Park Row
https://thefinestfcu.org New York, NY 10038 
The Finest Federal Credit Union CD Rates
The Finest Federal Credit Union Savings Rates
The Finest Federal Credit Union Auto Loan Rates
The Finest Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for The Finest 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 The Finest 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 The Finest Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
The Finest Federal Credit Union
Website
https://thefinestfcu.org
Address
215 Park Row,
New York, NY 10038
Phone
646-661-1886
Fax
646-661-1093
President
George Mifsud
CEO
Keith Stone
Full-Time Employees
8
Part-Time Employees
5
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+ (98/100)
Texas Ratio
4.53%
Return on Assets (ROA)
6.0455%
Return on Equity (ROE)
23.6325%
Non-Performing Loans Ratio (NPL)
1.50%
Total Assets
34,181,036
Total Amount of Shares and Deposits
25,880,141
Total Shares and Deposits < 1 Year
23,654,058
Total Shares and Deposits 1 3 Years
2,224,214
Total Shares and Deposits > 3 Years
1,869
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,194,128
Total Uninsured Shares and Deposits > $250K (F+J)
7,194,128
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,686,013
Total Interest Expense (Sum of items 6 8)
408,621
Share Certificates
91
Number of Accounts for Share Drafts
9,796
IRA KEOGH Accounts
103
Number of Accounts for Regular Shares
12,158
Non Member Deposits
19
Money Market Shares
1
Net Income (unless the amount is already included in Undivided Earnings)
2,066,400
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)
3,346,350
Total Liabilities
25,956,379
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Add Your Rating and Review for The Finest Federal Credit Union
Frequently Asked Questions About The Finest Federal Credit UnionHow many branches does The Finest Federal Credit Union operate?The Finest 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 The Finest Federal Credit Union?Yes, to access services at The Finest 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, The Finest 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, The Finest Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does The Finest Federal Credit Union offer online and mobile banking?Most modern institutions like The Finest 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://thefinestfcu.org. Compare to Other Credit Unions
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