Cardinal Credit Union, Inc.
Headquarters
8500 Westport Dr
Mentor, OH 44060
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2024 Overview
General Credit Union Information
Cardinal Credit Union, Inc. is located in Mentor, Oh. It was founded in 0000 and has approximately $233.57 millions in assets.
Who can join?
You may become a member of Cardinal Community Credit Union if you live, work, worship, or attend school in Lake, Cuyahoga, Geauga, or Ashtabula counties.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 96753 |
| Date Established | 0000 |
| Assets | $233.57 million |
| Loans | $182.22 million |
| Deposits | $200.10 million |
| Capital | $30.30 million |
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Cuyahoga, Lake, Geauga, Ashtabula, Portage, Summit, and Mahoning Counties in Ohio.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.25% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Premier Plus Checking | 1.00% | $0 | $6.95 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Cardinal Credit Union, Inc.
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 |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,600 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 1907 |
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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 Cardinal Credit Union, Inc.
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Branches
Below are Cardinal Credit Union, Inc. 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
CARDINAL CREDIT UNION, INC. 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
Cardinal Credit Union, Inc. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Cardinal Credit Union, Inc.. 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
| Cardinal Credit Union, Inc. | U.S. Average |
|---|---|
| 1.50% | 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, Cardinal Credit Union, Inc. had $423,444 in non-current loans and $50,744 in owned assets. To cover these potential losses it had $30,299,224 in net worth and $1,415,422 in loans loss reserves. That gives it a Texas Ratio of 1.50%.
Net Worth
| Cardinal Credit Union, Inc. | U.S. Average |
|---|---|
| 12.97% | 13.62% |
Cardinal Credit Union, Inc. FCU has a net worth of 12.97% 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 Cardinal Credit Union, Inc.
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