Christian Financial Credit Union
Headquarters
35100 Van Dyke Ave
Sterling Height, MI 48312
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2024 Overview
General Credit Union Information
Christian Financial is an NCUA insured institution located in Sterling Height, MI. It was founded in 1967 and has approximately $847.89 millions in assets.
Who can join?
Anyone can join! You qualify in at least one of the following ways:
• You live, worship, work, or are educated in Macomb, Oakland, Wayne, or Saint Clair Counties
• You belong to one of the churches in our Field of Membership
• You are an employee of one of our Select Employee Groups
• You have an immediate family member who belongs to CFCU
• You are 55 years of age or older, receive a recurring monthly benefit (such as a pension or Social Security), and live within 25 miles of any CFCU office
Select Employee Group (SEG) Information
If you're an employer and you're looking for a free benefit to offer your employees, become part of Christian Financial's Field of Membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63805 |
| Date Established | 1967 |
| Assets | $847.89 million |
| Loans | $589.67 million |
| Deposits | $719.54 million |
| Capital | $87.66 million |
Field of Membership Restrictions
Christian Financial CU is open to the residents, people that maintain employment, attend church and registered students in these Michigan Counties; Macomb, Oakland, Wayne, and St.Clair as well as the church members, students, and members of various CU-affiliated churches, schools, and organizations.
Deposit Rates - April 27, 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
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.50% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.50% | $100,000 | $199,999 |
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|
Loan Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Christian Financial
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: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
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 Christian Financial
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Branches
Below are Christian Financial 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
CHRISTIAN FINANCIAL 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
Christian Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Christian Financial. 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
| Christian Financial | U.S. Average |
|---|---|
| 3.68% | 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, Christian Financial had $3,305,429 in non-current loans and $32,276 in owned assets. To cover these potential losses it had $87,661,144 in net worth and $3,001,661 in loans loss reserves. That gives it a Texas Ratio of 3.68%.
Net Worth
| Christian Financial | U.S. Average |
|---|---|
| 10.32% | 13.62% |
Christian Financial FCU has a net worth of 10.32% 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 Christian Financial
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