Po Box 1495
Aberdeen, SD 57402
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Notable Rates APY Vs.Others
Savings 0.15% 0.65% →
1-Year CD 0.75% 0.70% →
2-Year CD 1.00% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Area is an NCUA insured institution located in Aberdeen, SD. It was founded in 1935 and has approximately $179.85 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 274
Date Established 1935
Assets $179.85 million
Loans $102.44 million
Deposits $156.26 million
Capital $21.94 million

Field of Membership Restrictions

Aberdeen Federal Credit Union membership is open to anyone who lives, works, worships or attends school in Brown County. The immediate family members of these groups are also welcome to join Aberdeen Federal Credit Union.

Deposit Rates - July 31, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
1.76% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 31, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for AREA

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.812% 2.750% 0.75 $2,015 $1,021 Learn More
NMLS ID: 2890
License#: 13256
2.534% 2.500% 0.50 $1,132 $988 Learn More
Morty, Inc.
NMLS ID: 1429243
2.464% 2.375% 0.75 $2,972 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to AREA
To upload and update your bank's rates please register. It is free to register and add rates.



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

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Financial Details

Area Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Area. 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
Area U.S. Average
2.70% 4.38

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 31, 2021, Area had $525,018 in non-current loans and $73,243 in owned assets. To cover these potential losses it had $21,937,452 in net worth and $199,269 in loans loss reserves. That gives it a Texas Ratio of 2.70%.

Net Worth
Area U.S. Average
12.19% 12.20%

Area FCU has a net worth of 12.19% versus the BestCashCow average of 12.20. 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 Area

Branches and Savings

What is Area?

A federal credit union, registered with the NCUA under certificate #274.
Learn more about credit unions here.

Is Area FDIC insured?

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

Who can join Area?

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

What are Area's share account and share certificate rates?

Area'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 Area?

Area has total capital of $21.94 million. Full information on Area's financial position is located above.

Who owns Area?

Credit Unions are owned by their members.

Where are Area branches located?

See branch locations nearby.

Are Area ATMs Open 24/7?

Do Area ATMs accept cash deposits?

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

Does Area have a mobile app?

Does Area have mobile deposit?

Does Area have quick pay?

How can Area transfer money to other banks or credit unions?

Does Area report to credit bureaus?

Does Area use Chexsystems?

Does Area use Equifax?

What is Area's toll free phone number?

What is Area's ACH Routing Number?

What is Area's SWIFT code?

Where can I find Area's wire transfer form?

What is the Area address for deposits?

What Products Does Area Offer

Does Area offer mortgages?

Compare mortgage rates here.

Does Area offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Area offer auto and RV loans?

Compare auto loan rates here.

Does Area offer student loans or personal loans?

Compare personal loan rates here.

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