Ball State


P O Box 1949
Muncie, IN 47308
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 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

Ball State is an NCUA insured institution located in Muncie, IN. It was founded in 1956 and has approximately $100.45 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 11103
Date Established 1956
Assets $100.45 million
Loans $58.44 million
Deposits $94.11 million
Capital $5.66 million

Field of Membership Restrictions

Membership is open to employees, affiliated staff members and students of Ball State University, BSU Alumi Association members, BSU Cardinal Varsity Club members, Sallie Mae employees in Muncie and members and employees or other select organizations.

Deposit Rates - April 16, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Ball State

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Loan Rates - April 16, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BALL STATE

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 2021

Lender APR Rate (%) Points Fees Monthly
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Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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0.000 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Below are Ball State 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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Ball State Locations

Financial Details

Ball State Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ball State. 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
Ball State U.S. Average
8.09% 5.40

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, 2020, Ball State had $335,818 in non-current loans and $164,316 in owned assets. To cover these potential losses it had $5,660,773 in net worth and $521,673 in loans loss reserves. That gives it a Texas Ratio of 8.09%.

Net Worth
Ball State U.S. Average
5.87% 12.67%

Ball State FCU has a net worth of 5.87% versus the BestCashCow average of 12.67. 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 Ball State

Branches and Savings

What is Ball State?

A federal credit union, registered with the NCUA under certificate #11103.
Learn more about credit unions here.

Is Ball State 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. Ball State is insured by the NCUA.

Who can join Ball State?

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

What are Ball State's share account and share certificate rates?

Ball State'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 Ball State?

Ball State has total capital of $5.66 million. Full information on Ball State's financial position is located above.

Who owns Ball State?

Credit Unions are owned by their members.

Where are Ball State branches located?

See branch locations nearby.

Are Ball State ATMs Open 24/7?

Do Ball State ATMs accept cash deposits?

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

Does Ball State have a mobile app?

Does Ball State have mobile deposit?

Does Ball State have quick pay?

How can Ball State transfer money to other banks or credit unions?

Does Ball State report to credit bureaus?

Does Ball State use Chexsystems?

Does Ball State use Equifax?

What is Ball State's toll free phone number?

What is Ball State's ACH Routing Number?

What is Ball State's SWIFT code?

Where can I find Ball State's wire transfer form?

What is the Ball State address for deposits?

What Products Does Ball State Offer

Does Ball State offer mortgages?

Compare mortgage rates here.

Does Ball State offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ball State offer auto and RV loans?

Compare auto loan rates here.

Does Ball State offer student loans or personal loans?

Compare personal loan rates here.

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