P O Box 1005
Port Lavaca, TX 77979
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.05% →
1-Year CD 0.85% 1.05% →
2-Year CD 0.95% 1.11% →
5-Year CD 1.15% 2.25% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Cal-com is an NCUA insured institution located in Port Lavaca, TX. It was founded in 1968 and has approximately $154.82 millions in assets.

NCUA Insured Yes
Charter Number # # 18935
Date Established 1968
Assets $154.82 million
Loans $84.98 million
Deposits $139.60 million
Capital $17.26 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Calhoun, DeWitt, Goliad, Jackson, Lavaca, Refugio and Victoria counties. Membership is also open to immediate family and household members.

Deposit Rates - August 10, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $10,000 $14,999 Learn More
3 Mo CD
0.55% $100,000 $199,999 Learn More
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.95% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 10, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CAL-COM

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
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 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
2.990 %
$0 Learn More
More Info

Note to CAL-COM
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Below are Cal-com 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:

Cal-com Locations

Financial Details

Cal-com Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cal-com. 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
Cal-com U.S. Average
6.68% 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, Cal-com had $1,087,876 in non-current loans and $95,449 in owned assets. To cover these potential losses it had $17,262,027 in net worth and $459,490 in loans loss reserves. That gives it a Texas Ratio of 6.68%.

Net Worth
Cal-com U.S. Average
11.14% 13.61%

Cal-com FCU has a net worth of 11.14% 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 Cal-com

Branches and Savings

What is Cal-com?

A federal credit union, registered with the NCUA under certificate #18935.
Learn more about credit unions here.

Is Cal-com 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 Cal-com?

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

What are Cal-com's share account and share certificate rates?

Cal-com'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 Cal-com?

Cal-com has total capital of $17.26 million. Full information on Cal-com's financial position is located above.

Who owns Cal-com?

Credit Unions are owned by their members.

Where are Cal-com branches located?

See branch locations nearby.

Are Cal-com ATMs Open 24/7?

Do Cal-com ATMs accept cash deposits?

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

Does Cal-com have a mobile app?

Does Cal-com have mobile deposit?

Does Cal-com have quick pay?

How can Cal-com transfer money to other banks or credit unions?

Does Cal-com report to credit bureaus?

Does Cal-com use Chexsystems?

Does Cal-com use Equifax?

What is Cal-com's toll free phone number?

What is Cal-com's ACH Routing Number?

What is Cal-com's SWIFT code?

Where can I find Cal-com's wire transfer form?

What is the Cal-com address for deposits?

What Products Does Cal-com Offer

Does Cal-com offer mortgages?

Compare mortgage rates here.

Does Cal-com offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cal-com offer auto and RV loans?

Compare auto loan rates here.

Does Cal-com offer student loans or personal loans?

Compare personal loan rates here.

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