AL GAR

Headquarters

316 PACA ST
Cumberland, MD 21502
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Al Gar is an NCUA insured institution located in Cumberland, MD. It was founded in 1954 and has approximately $33 millions in assets.

NCUA Insured Yes
Charter Number # # 9183
Date Established 1954
Assets $33.00 million
Loans $16.89 million
Deposits $27.51 million
Capital $5.46 million
 

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship, and businesses and legal entities located in Allegany County, Mineral County and Western Hampshire County in West Virginia, Eastern Garrett County in Maryland. Membership is also open to employees of U.S. Postal Service in Cumberland Sectional Center of Cumberland, Maryland, and other select local organizations.

Deposit Rates - November 26, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Al Gar

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Advertiser Disclosure

Loan Rates - November 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AL GAR

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.567% 2.500% 0.88 $2,200 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.682% 2.625% 0.50 $1,860 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to AL GAR
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Branches

Below are Al Gar branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Al Gar Locations


Financial Details

Al Gar Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Al Gar. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Al Gar U.S. Average
4.79% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Al Gar had $252,204 in non-current loans and $12,973 in owned assets. To cover these potential losses it had $5,457,437 in net worth and $75,310 in loans loss reserves. That gives it a Texas Ratio of 4.79%.

Net Worth
Al Gar U.S. Average
16.53% 13.61%

Al Gar FCU has a net worth of 16.53% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Al Gar

Branches and Savings

What is Al Gar?

A federal credit union, registered with the NCUA under certificate #9183.
Learn more about credit unions here.

Is Al Gar FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Al Gar?

Please see Field of Membership information above for information on who is eligible to join.

What are Al Gar's share account and share certificate rates?

Al Gar's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Al Gar?

Al Gar has total capital of $5.46 million. Full information on Al Gar's financial position is located above.

Who owns Al Gar?

Credit Unions are owned by their members.

Where are Al Gar branches located?

See branch locations nearby.

Are Al Gar ATMs Open 24/7?

Do Al Gar ATMs accept cash deposits?

Can Al Gar customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Al Gar have a mobile app?

Does Al Gar have mobile deposit?

Does Al Gar have quick pay?

How can Al Gar transfer money to other banks or credit unions?

Does Al Gar report to credit bureaus?

Does Al Gar use Chexsystems?

Does Al Gar use Equifax?

What is Al Gar's toll free phone number?

What is Al Gar's ACH Routing Number?

What is Al Gar's SWIFT code?

Where can I find Al Gar's wire transfer form?

What is the Al Gar address for deposits?

What Products Does Al Gar Offer

Does Al Gar offer mortgages?

Compare mortgage rates here.

Does Al Gar offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Al Gar offer auto and RV loans?

Compare auto loan rates here.

Does Al Gar offer student loans or personal loans?

Compare personal loan rates here.

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