Special Metals

4340 MIDDLE SETTLEMENT RD, New Hartford, NY 13413

NCUA Insured4.5 (8 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Membership is limited to members of a specific organization, church, union, or association. Contact the credit union to find out which groups qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

4340 MIDDLE SETTLEMENT RD

New Hartford, NY 13413

Google Maps 🗺Waze

(315) 797-3575

Service Area

This credit union is located in New Hartford and serves members in the NY area. Currently serving 1,813 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.95%

Used Auto Loan

6.25%

Personal Loan

10.00%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.5

8 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

I-DO-REVIEWS

7 years ago

The best FCU! Friendly and fast staff. Customers are treated as family! Love the new location, wish it had more parking but still good, beats stopping at the guard house every time... Nice move 👍👍

Steve Joswick

6 years ago

I have been doing business with them since they were formed in the 60's, have never had a bad experience. Excellent staff and director, always professional and friendly. Highly recommend them