803 E. 15th Street
Yazoo City, MS 39194
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
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

Benchsmart is an NCUA insured institution located in Yazoo City, MS. It was founded in 1952 and has approximately $10.59 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8269
Date Established 1952
Assets $10.59 million
Loans $3.66 million
Deposits $9.32 million
Capital $1.23 million

Deposit Rates - August 1, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Benchsmart

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Loan Rates - August 1, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BENCHSMART

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

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



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Benchsmart Locations

Financial Details

Benchsmart Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Benchsmart. 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
Benchsmart U.S. Average
4.39% 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, Benchsmart had $55,158 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,232,391 in net worth and $23,287 in loans loss reserves. That gives it a Texas Ratio of 4.39%.

Net Worth
Benchsmart U.S. Average
11.63% 12.20%

Benchsmart FCU has a net worth of 11.63% 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 Benchsmart

Branches and Savings

What is Benchsmart?

A federal credit union, registered with the NCUA under certificate #8269.
Learn more about credit unions here.

Is Benchsmart 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. Benchsmart is insured by the NCUA.

Who can join Benchsmart?

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

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

Benchsmart'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 Benchsmart?

Benchsmart has total capital of $1.23 million. Full information on Benchsmart's financial position is located above.

Who owns Benchsmart?

Credit Unions are owned by their members.

Where are Benchsmart branches located?

See branch locations nearby.

Are Benchsmart ATMs Open 24/7?

Do Benchsmart ATMs accept cash deposits?

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

Does Benchsmart have a mobile app?

Does Benchsmart have mobile deposit?

Does Benchsmart have quick pay?

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

Does Benchsmart report to credit bureaus?

Does Benchsmart use Chexsystems?

Does Benchsmart use Equifax?

What is Benchsmart's toll free phone number?

What is Benchsmart's ACH Routing Number?

What is Benchsmart's SWIFT code?

Where can I find Benchsmart's wire transfer form?

What is the Benchsmart address for deposits?

What Products Does Benchsmart Offer

Does Benchsmart offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Benchsmart offer auto and RV loans?

Compare auto loan rates here.

Does Benchsmart offer student loans or personal loans?

Compare personal loan rates here.

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