Nova Credit Union
Headquarters
3601 Mulberry Church Rd
Charlotte, NC 28208
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2024 Overview
General Credit Union Information
Nova is an NCUA insured institution located in Charlotte, NC. It was founded in 1934 and has approximately $120.56 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63425 |
| Date Established | 1934 |
| Assets | $120.56 million |
| Loans | $69.60 million |
| Deposits | $100.51 million |
| Capital | $20.13 million |
Field of Membership Restrictions
Carolina Postal CU is open to anyone that is a resident, works, attends church or is a registered student in Catawba County, NC, all postal and federal employees in NC along with a few site listed SC counties, employees in numerous site listed CU-affiliated SEG's and organization members, as well as CU members families, and CU employees. A detailed list of eligibility can be found on the Carolina Postal Credit Union website that will define the status of your eligibility
Deposit Rates - April 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.26% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
Loan Rates - April 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Nova
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 |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 491986 |
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NMLS ID: Not a Lender |
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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 Nova
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Branches
Below are Nova 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
NOVA 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
Nova Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Nova. 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
| Nova | U.S. Average |
|---|---|
| 5.01% | 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, Nova had $666,716 in non-current loans and $358,475 in owned assets. To cover these potential losses it had $20,125,433 in net worth and $320,982 in loans loss reserves. That gives it a Texas Ratio of 5.01%.
Net Worth
| Nova | U.S. Average |
|---|---|
| 16.68% | 13.62% |
Nova FCU has a net worth of 16.68% 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 Nova
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