Memphis, TN 38112
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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

Binsy is an NCUA insured institution located in Memphis, TN. It was founded in 1952 and has approximately $1.63 millions in assets.

NCUA Insured Yes
Charter Number # # 7581
Date Established 1952
Assets $1.63 million
Loans $1.10 million
Deposits $1.34 million
Capital $0.28 million

Deposit Rates - December 1, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Binsy

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Loan Rates - December 1, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BINSY

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
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.557% 2.500% 0.50 $1,890 $988 Learn More
NMLS ID: 2890
License#: MC-3098
2.560% 2.500% 0.75 $1,980 $988 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

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Below are Binsy 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

Binsy Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Binsy. 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
Binsy U.S. Average
1.76% 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, Binsy had $5,520 in non-current loans and $0 in owned assets. To cover these potential losses it had $284,074 in net worth and $29,111 in loans loss reserves. That gives it a Texas Ratio of 1.76%.

Net Worth
Binsy U.S. Average
17.39% 13.61%

Binsy FCU has a net worth of 17.39% 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 Binsy

Branches and Savings

What is Binsy?

A federal credit union, registered with the NCUA under certificate #7581.
Learn more about credit unions here.

Is Binsy 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 Binsy?

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

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

Binsy'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 Binsy?

Binsy has total capital of $0.28 million. Full information on Binsy's financial position is located above.

Who owns Binsy?

Credit Unions are owned by their members.

Where are Binsy branches located?

See branch locations nearby.

Are Binsy ATMs Open 24/7?

Do Binsy ATMs accept cash deposits?

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

Does Binsy have a mobile app?

Does Binsy have mobile deposit?

Does Binsy have quick pay?

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

Does Binsy report to credit bureaus?

Does Binsy use Chexsystems?

Does Binsy use Equifax?

What is Binsy's toll free phone number?

What is Binsy's ACH Routing Number?

What is Binsy's SWIFT code?

Where can I find Binsy's wire transfer form?

What is the Binsy address for deposits?

What Products Does Binsy Offer

Does Binsy offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Binsy offer auto and RV loans?

Compare auto loan rates here.

Does Binsy offer student loans or personal loans?

Compare personal loan rates here.

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