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150 Defreest Dr, Troy, NY 12180

NCUA Insured2.9 (11 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Membership Eligibility

Anyone who lives, works, or worships in or around Troy, NY may be eligible to join. Community credit unions are open to the general public within their service area.

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 1954

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

150 Defreest Dr

Troy, NY 12180

Google Maps 🗺Waze

(518) 286-1611

Service Area

This credit union is located in Troy and serves members in the NY area. Currently serving 4,583 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

5.19%

Used Auto Loan

6.23%

Personal Loan

11.53%

Credit Card APR

10.90%

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(3 total)

Member Reviews

2.9

11 Google reviews

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

View on Google Maps

Kerry Carhart

a year ago

I have had nothing but good experiences working with this financial institution. They have always been pleasant, helpful and informative. There are never lines or wait times when making transactions. The lending department is particularly quick & efficient. I can’t think of a reason why they would t get 5 stars.

Steve A

4 months ago

Complete disrespect from the workers. Very rude, unreal how workers treat people. This place should be shut down. I need to speak to a manager.

Francesca Ferrusi

2 years ago

I recently got a used car loan from this Credit Union and was beyond thrilled with the service I received. Tiffany was extremely easy to work with and made me feel so comfortable during the entire process. I would highly recommend them to anyone in search of any banking needs.

Sean O'Neill

6 years ago

I have great service at SSFCU. I have been a satisfied member since 1973. They are always willing to meet our needs with our extensive world travel arrangements such as ATM adjustments and auto loans when desired.