At a glance
From its website, read 2 Nov 2026Syracuse Cooperative Federal Credit Union is a credit union based in Syracuse, New York. Its website describes auto loans, commercial real estate loans, credit-builder loans and 6 other loan types. Where it lends: Business loans: Onondaga, Oswego, Madison, Cortland and Cayuga counties (Central New York). Business loan rates stated on its site range from 7.75% to 13.75%. Consumer loan APRs stated on its site range from 18% to 28%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.cooperativefederal.org |
| Office (official list) | 1816 Erie Blvd E, Syracuse, NY 13210 |
What their website says about applying
2 most recent paystubs (or other proof of income)
sourceDriver's License or other valid photo ID
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Small-dollar / emergency loans | Rate: up to 18% APR | Fixed interest rates capped at 18% APR* maximum | source |
| Small-dollar / emergency loans | Rate: 28% APR | 28% APR* | source |
| Small-business loans | Rate: 7.75%–13.75% | Rates as low as 7.75%* - 13.75%* | source |
| Small-dollar / emergency loans | Term: 1 mo–12 mo | Flat monthly payments, ranging from 1 month to 1 year | source |
| Small-dollar / emergency loans | Term: 3 mo–2 yr | Budget-friendly payments, typically ranging from 3 months to 2 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Applicant must be a CoopFed member for at least 30 days to qualify.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Oct 2026 |
| RSSD ID | 984995 |
| Address | 1816 Erie Blvd E, Syracuse, NY 13210 Directions (Google Maps) |
| Website | www.cooperativefederal.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Amounts are stated only for the contractor line and small-dollar emergency loans; most other product pages list rates only. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Cooperative Federal offers auto loans for cars, trucks, and RVs. | source |
| Commercial real estate loans | — | Business Loans, Investor & Commercial Mortgages | source |
| Credit-builder loans | — | Credit Builder Loans & Share-Secured Loans | source |
| Small-dollar / emergency loans | up to $2,500 | Borrow up to $2,500 | source |
| Equipment loans | — | equipment, working capital, tools, trucks, furnishings, bridge financing, real estate | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | Apply for Mortgage and Home Equity | source |
| Personal / consumer loans | — | Apply for Personal Loans and Credit Lines | source |
| Small-business loans | up to $500,000 | up to $500,000 | source |
Service area
Business loans: Onondaga, Oswego, Madison, Cortland and Cayuga counties (Central New York)
region: Onondaga, Oswego, Madison, Cortland and Cayuga counties.
source
Counties this matches: Cayuga County, NY, Cortland County, NY, Madison County, NY, Onondaga County, NY, Oswego County, NY
Borrower focus
- Low- and moderate-income / underserved
We encourage businesses owned by women, BIPOC, English Language Learners, people with disabilities, veterans, LGBTQIA+, or low-income individuals to work with us, as well as businesses in underserved areas.
source - Minority / BIPOC
We encourage businesses owned by women, BIPOC, English Language Learners, people with disabilities, veterans, LGBTQIA+, or low-income individuals to work with us, as well as businesses in underserved areas.
source - Veterans
We encourage businesses owned by women, BIPOC, English Language Learners, people with disabilities, veterans, LGBTQIA+, or low-income individuals to work with us, as well as businesses in underserved areas.
source - Women
We encourage businesses owned by women, BIPOC, English Language Learners, people with disabilities, veterans, LGBTQIA+, or low-income individuals to work with us, as well as businesses in underserved areas.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Pages read (7)
- https://www.cooperativefederal.org/
- https://www.cooperativefederal.org/business/nys-contractor-financing-program
- https://www.cooperativefederal.org/myauto
- https://www.cooperativefederal.org/loanrates
- https://www.cooperativefederal.org/autorefinance
- https://www.cooperativefederal.org/loans/home-equity
- https://www.cooperativefederal.org/loans/emergencyloan
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.6 million in 17 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $850,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $525,000 |
| 2022 | Small Dollar Loan Program | $136,696 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2013 | CDFI Program, Financial Assistance | $664,241 |
| 2012 | CDFI Program, Technical Assistance | $100,000 |
| 2008 | CDFI Program, Technical Assistance | $100,000 |
| 2007 | CDFI Program, Financial Assistance | $357,835 |
| 2006 | CDFI Program, Technical Assistance | $99,969 |
| 2005 | CDFI Program, Financial Assistance | $481,680 |
| 2004 | CDFI Program, Technical Assistance | $62,924 |
| 2002 | CDFI Program, Financial Assistance | $345,400 |
| 2001 | CDFI Program, Technical Assistance | $55,000 |
| 2000 | CDFI Program, Technical Assistance | $64,500 |
Emergency Capital Investment Program (ECIP)
Treasury invested $700,000 in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SYRACUSE COOPERATIVE (charter 23865). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $47.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,778 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
New York (2 offices)
- Onondaga County (2): 1816 Erie Blvd E, Syracuse 13210 (main office); 401 South Ave, Syracuse 13204
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Syracuse Cooperative Federal Credit Union (NCUA charter 23865, filed as “SYRACUSE COOPERATIVE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $39 million, 2,117 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 16.0% from $33.6 million on 30 Jun 2025 |
| Members | 3,778 (as of 30 Jun 2026); 3,606 (as of 30 Jun 2025) |
| Loans per member | $10,322 (total loans divided by members, 30 Jun 2026) |
| Total assets | $47.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $875,790 | 2.2% |
| Used vehicle loans | $2.1 million | 5.5% |
| First-lien home mortgages (1-4 family) | $27.6 million | 70.7% |
| Other real estate loans (junior liens, other) | $3.2 million | 8.3% |
| Commercial (business) loans | $2.6 million | 6.6% |
| Credit cards | $402,300 | 1.0% |
| Other unsecured loans | $1.3 million | 3.4% |
| Leases and other secured loans | $867,696 | 2.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $47.2 million | Larger than 50% of the 18 other certified credit unions in New York (median $41.8 million). |
| Loans as a share of assets | 83% | Median of the same 18 credit unions: 60%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $33.6 million → $39 million (+16%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 8 → 7. |
| Business loan rate its website stated (2 Nov 2026) | 7.75% to 13.75% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 0.75 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 50% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 8 → 7 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Prime rate: FRED DPRIME.
Other certified CDFIs in Syracuse and New York
- Empower Federal Credit UnionCredit union · Syracuse, NYOfficial list only
- Home Headquarters, Inc.Loan fund · Syracuse, NYHome repair / improvement loans, Home mortgages, Small-business loansVerified
- ADIRONDACK ECONOMIC DEVELOPMENT CORPORATIONLoan fund · Saranac Lake, NYSmall-business loansVerified
- Alternatives Federal Credit UnionCredit union · Ithaca, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Amplify Equity, Inc.Loan fund · Elmira, NYSmall-business loansVerified
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
Work at Syracuse Cooperative Federal Credit Union? Link to this page
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