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Advertiser Disclosure
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 Tri-Lakes Federal Credit Union Rates & Review October 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 and Verified: October 23, 2026
Tri-Lakes Federal Credit Union's 48 Month CD rates are at 1.26%, 36 Month CD rates are at 1.05%, IRA Share Accounts - 48 Month CD rates are at 0.80%, 24 Month CD rates are at 0.75%, IRA Share Accounts - 36 Month CD rates are at 0.70%. Tri-Lakes Federal Credit Union's Personal Loan Rates are as low as 9.75%. Tri-Lakes Federal Credit Union's Credit Card Rates are at 12.90%. MonitorBankRates evaluates the financial stability of Tri-Lakes Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.10%. Rates last updated and verified on 10/23/2026. Tri-Lakes 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 Tri-Lakes Federal Credit Union? Share your experience about Tri-Lakes Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tri-Lakes Federal Credit Union. Tri-Lakes Federal Credit Union
Saranac Lake 197 Broadway
https://www.trilakesfcu.com Saranac Lake, NY 12983  Customer Reviews
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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. Tri-Lakes Federal Credit Union CD Rates
Tri-Lakes Federal Credit Union Savings Rates
Tri-Lakes Federal Credit Union Auto Loan Rates
Tri-Lakes Federal Credit Union RV, Boat and Powersport Loan Rates
Tri-Lakes Federal Credit Union Credit Card Rates
Tri-Lakes Federal Credit Union Personal Loan Rates
Financial Health HistoryTri-Lakes Federal Credit Union’s Texas Ratio fell from 0.86% in Q3 2023 to 0.10% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Tri-Lakes 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 Tri-Lakes 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 Tri-Lakes Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Tri-Lakes Federal Credit Union
Website
https://www.trilakesfcu.com
Address
197 Broadway,
Saranac Lake, NY 12983
Phone
518-891-1666
Fax
518-891-1797
President
Peter Sayles
CEO
Heather DeForest
Full-Time Employees
7
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.10%
Return on Assets (ROA)
0.7385%
Return on Equity (ROE)
5.4540%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
28,674,356
Total Amount of Shares and Deposits
24,585,893
Total Shares and Deposits < 1 Year
24,328,559
Total Shares and Deposits 1 3 Years
252,097
Total Shares and Deposits > 3 Years
5,237
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
391,202
Total Uninsured Shares and Deposits > $250K (F+J)
391,202
Total Insured Shares and Deposits > $250K (item 17 less item K)
24,194,691
Total Interest Expense (Sum of items 6 8)
56,135
Share Certificates
40
Number of Accounts for Share Drafts
1,227
IRA KEOGH Accounts
6
Number of Accounts for Regular Shares
3,136
Money Market Shares
20
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)
3,099,689
Total Liabilities
24,791,689
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Tri-Lakes Federal Credit Union
Frequently Asked Questions About Tri-Lakes Federal Credit UnionDoes Tri-Lakes Federal Credit Union offer CDs?Yes. Tri-Lakes Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Tri-Lakes Federal Credit Union NCUA insured?Yes. Tri-Lakes Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Tri-Lakes Federal Credit Union?The highest CD rate MonitorBankRates has verified for Tri-Lakes Federal Credit Union is 1.26% APY on its 48 Month CD, as of October 23, 2026. What CD terms does Tri-Lakes Federal Credit Union offer?The Tri-Lakes Federal Credit Union CD terms we track include 12 month, 18 month, 2 year, 3 year and 4 year terms, with rates from 0.70% to 1.26% APY. The institution may offer other terms or specials that are not listed here, so check with Tri-Lakes Federal Credit Union for its full lineup. What is the lowest auto loan rate at Tri-Lakes Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Tri-Lakes Federal Credit Union is 6.00% APR on its Auto Loan (New), as of October 23, 2026. What is the lowest personal loan rate at Tri-Lakes Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Tri-Lakes Federal Credit Union is 9.75% APR on its Personal Loan, as of October 23, 2026. What is the lowest credit card APR at Tri-Lakes Federal Credit Union?The lowest credit card rate MonitorBankRates has verified for Tri-Lakes Federal Credit Union is 12.90% APR on its VISA Credit Card, as of October 23, 2026. How many branches does Tri-Lakes Federal Credit Union operate?Tri-Lakes 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 Tri-Lakes Federal Credit Union?Yes, to access services at Tri-Lakes 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, Tri-Lakes 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, Tri-Lakes Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Tri-Lakes Federal Credit Union offer online and mobile banking?Most modern institutions like Tri-Lakes 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.trilakesfcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Tri-Lakes Federal Credit Union rates compare?Tri-Lakes Federal Credit Union's top rates are 1.26% APY on its 48 Month CD, personal loans from 9.75% APR and credit cards from 12.90% APR, verified by MonitorBankRates on October 23, 2026. To compare Tri-Lakes Federal Credit Union with the top rates nationwide, see our best CD rates, best personal loan rates and best credit card rates, updated daily from banks and credit unions across the country. Current Tri-Lakes Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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