2024 Overview
General Credit Union Information
Ashland is an NCUA insured institution located in Ashland, KY. It was founded in 1942 and has approximately $376.39 millions in assets.
Who can join?
If you are an employee of one of Ashland Credit Union's sponsor companies, you are eligible for membership. These sponsor companies include:
• Arch Coal Inc
• Ashland Inc
• King's Daughters Medical Center & satellites
• Louisiana Offshore Oil Port (LOOP)
• Oldcastle Materials
• Marathon Oil / Petroleum
• Northern Tier Energy
• Patriot Coal
• Pilot Flying J
• Speedway LLC
• Valvoline Instant Oil Change (VIOC)
Family members of an employee, who works for the companies mentioned above, are also eligible for membership. Family members are defined as:
• Spouses
• Parents
• Grandparents
• Children
• Grandchildren
• Siblings
• Aunts & Uncles
• Nieces & Nephews
• Stepbrothers & Stepsisters
• In-Laws
Household members may also join the union. Household is defined as persons living in the same residence maintaining a single economic unit.
Membership is also extended to individuals who live, work, worship, or attend school in the following communities:
• FIVCO Area Development District (Kentucky counties of Boyd, Carter, Elliott, Greenup, and Lawrence)
• Bluegrass Area Development District (Kentucky counties of Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford)
• St Paul Park (Minnesota counties of Washington, Dakota, Ramsey, or Hennepin)
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61792 |
| Date Established | 1942 |
| Assets | $376.39 million |
| Loans | $288.72 million |
| Deposits | $319.88 million |
| Capital | $46.12 million |
Field of Membership Restrictions
Ashland CU is open to anyone who resides, holds employment, attends church, or is a registered student in the Kentucky communities of FIVCO Area Development Area or the Bluegrass Area Development District, as well as these counties in the state of Minnesota; Washington, Dakota, Ramsey, or Hennepin. Membership eligibility also extends to include anyone who works for the site listed CU-affiliated companies found on the 'eligibility-requirements' page, as well as the family members of current CU members.
Deposit Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Ashland
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Ashland
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Branches
Below are Ashland 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:
Columbus,Ohio
Climate Policy and Initiatives
ASHLAND is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Ashland Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ashland. 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
| Ashland | U.S. Average |
|---|---|
| 8.67% | 6.97 |
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 December 31, 2023, Ashland had $4,070,179 in non-current loans and $106,470 in owned assets. To cover these potential losses it had $46,123,763 in net worth and $2,070,606 in loans loss reserves. That gives it a Texas Ratio of 8.67%.
Net Worth
| Ashland | U.S. Average |
|---|---|
| 12.25% | 13.62% |
Ashland FCU has a net worth of 12.25% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Ashland
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