--- title: "Credit Unions Near 12305 (Schenectady, NY)" description: "25 credit unions have branches near ZIP 12305, by NCUA-reported branch location. Compare distance, branch addresses, rates, and who can join — no paid placement." canonical: "https://rateapi.dev/credit-unions/near/12305" last-updated: "2026-08-24" source: "https://rateapi.dev/llms.txt" --- # Credit Unions Near 12305 — Schenectady, NY 25 credit unions have branches near ZIP 12305, ordered by NCUA-reported branch proximity. Updated August 2026. No paid placement — proximity only. Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. [Schenectady County Employees Credit Union](https://rateapi.dev/credit-unions/new-york/schenectady-county-employees)Branch in this ZIP Main office: 388 Broadway, Schenectady, NY 12305 [Broadview Credit Union](https://rateapi.dev/credit-unions/new-york/broadview)Branch in this ZIP Nearest branch: 469 State St, Schenectady, NY 12305 [Sunmark Credit Union](https://rateapi.dev/credit-unions/new-york/sunmark)~0.9 mi Nearest branch: 1616 Broadway, Schenectady, NY 12306 [First New York Credit Union](https://rateapi.dev/credit-unions/new-york/first-new-york)~2.7 mi Nearest branch: 1776 Union St, Schenectady, NY 12309 [Hudson Valley Credit Union](https://rateapi.dev/credit-unions/new-york/hudson-valley)~3.7 mi Nearest branch: 120 Mansion Blvd, Niskayuna, NY 12304 [TCT Credit Union](https://rateapi.dev/credit-unions/new-york/tct)~7.6 mi Nearest branch: 520 Vischer Ferry Rd, Clifton Park, NY 12065 [Next Step Credit Union](https://rateapi.dev/credit-unions/new-york/next-step)~7.9 mi Nearest branch: 325 Washington Avenue Ext, Albany, NY 12205-5581 [Directors Choice Credit Union](https://rateapi.dev/credit-unions/new-york/directors-choice)~8.3 mi Main office: 1 South Family Drive, Albany, NY 12205 [Community Resource Credit Union](https://rateapi.dev/credit-unions/new-york/community-resource)~9.6 mi Main office: 20 Wade Rd, Latham, NY 12110-3520 [NY Firefighters Bravest Credit Union](https://rateapi.dev/credit-unions/new-york/ny-firefighters-bravest)~13.1 mi Main office: 532 central ave, albany, NY 12206 [Hudson River Community Credit Union](https://rateapi.dev/credit-unions/new-york/hudson-river-community)~13.3 mi Nearest branch: 35 Niver St, Cohoes, NY 12047 [Fasny Credit Union](https://rateapi.dev/credit-unions/new-york/fasny)~14.3 mi Main office: 107 Washington Ave, Albany, NY 12210-2231 [Advantage Financial Credit Union](https://rateapi.dev/credit-unions/district-of-columbia/advantage-financial)~14.4 mi Nearest branch: 113 HOLLAND AVE, ALBANY, NY 12208 [Troy Credit Union](https://rateapi.dev/credit-unions/new-york/troy)~14.5 mi Main office: 2175 6TH AVE, TROY, NY 12180 [Remington Credit Union](https://rateapi.dev/credit-unions/new-york/remington)~15.1 mi Nearest branch: 39 Market St, Amsterdam, NY 12010-4413 [M. C. T. Credit Union](https://rateapi.dev/credit-unions/new-york/m-c-t)~16.2 mi Main office: 4883 State Highway 30, AMSTERDAM, NY 12010 [Sidney Credit Union](https://rateapi.dev/credit-unions/new-york/sidney)~16.3 mi Nearest branch: 4839 State Highway 30, Amsterdam, NY 12010 [Stewart's Credit Union](https://rateapi.dev/credit-unions/new-york/stewarts)~16.8 mi Main office: 2911 State Route 9, Ballston Spa, NY 12020 [Saratoga's Community Credit Union](https://rateapi.dev/credit-unions/new-york/saratogas-community)~17.0 mi Nearest branch: 444 Geyser Rd, Ballston Spa, NY 12020 [Navy Federal Credit Union Credit Union](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union)~19.6 mi Nearest branch: 19 J F King Dr, Saratoga Springs, NY 12866 [First Choice Financial Credit Union](https://rateapi.dev/credit-unions/new-york/first-choice-financial)~21.3 mi Nearest branch: 3677 State Highway 30, Broadalbin, NY 12025-2601 [Upstate Telco Credit Union](https://rateapi.dev/credit-unions/new-york/upstate-telco)~29.7 mi Main office: 137 Harrison St, Gloversville, NY 12078 [Empower Credit Union](https://rateapi.dev/credit-unions/new-york/empower)~30.3 mi Nearest branch: 121 Palatine Plz, Palatine Bridge, NY 13428-2810 [Heritage Family Credit Union](https://rateapi.dev/credit-unions/vermont/heritage-family)~30.9 mi Nearest branch: 28 Church St, Hoosick Falls, NY 12090 [Parks Heritage Credit Union](https://rateapi.dev/credit-unions/new-york/parks-heritage)~37.2 mi Main office: 5 Murray St, Glens Falls, NY 12801 Rates and membership rules live on each credit union's profile. Membership is required before opening an account; final terms come from the institution. ## Keep comparing [Search another ZIP](https://rateapi.dev/credit-unions/near-me)[All New York credit unions](https://rateapi.dev/credit-unions/new-york)[New York auto loan rates](https://rateapi.dev/auto-loan-rates/new-york)[New York mortgage rates](https://rateapi.dev/mortgage-rates/new-york)[Who can join in New York](https://rateapi.dev/who-can-join/new-york) ## Nearby ZIP areas [Credit unions near 14202 (Buffalo)](https://rateapi.dev/credit-unions/near/14202)[Credit unions near 14604 (Rochester)](https://rateapi.dev/credit-unions/near/14604)[Credit unions near 13202 (Syracuse)](https://rateapi.dev/credit-unions/near/13202)[Credit unions near 12207 (Albany)](https://rateapi.dev/credit-unions/near/12207)[Credit unions near 10801 (New Rochelle)](https://rateapi.dev/credit-unions/near/10801)[Credit unions near 10550 (Mount Vernon)](https://rateapi.dev/credit-unions/near/10550)[Credit unions near 13501 (Utica)](https://rateapi.dev/credit-unions/near/13501)[Credit unions near 10601 (White Plains)](https://rateapi.dev/credit-unions/near/10601) As of August 2026, 25 credit unions have an NCUA-reported branch near ZIP 12305 in the Schenectady area. Distances are straight-line estimates — confirm travel time with the branch address. How many credit unions are near 12305? Not automatically. Each credit union has a field of membership — location, employer, family, school, or association based. Open a profile below and check its Who Can Join section before applying. Can I join any credit union near 12305? Branch locations reported to the National Credit Union Administration (NCUA), matched to your ZIP by branch coordinate or ZIP-area center. RateAPI does not sell placement; the order reflects proximity, never payment. Where does this list come from? ⚡RateAPI Daily-verified lending rates from 3,700+ US credit unions, plus deposit APY benchmarks for savings, CDs, share certificates, and money markets. 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