2021 Overview
General Credit Union Information
Coosa Pines is an NCUA insured institution located in Childersburg, AL. It was founded in 1950 and has approximately $289.85 millions in assets.
Who can join?
The field of membership shall be limited to those having the following common bond:
- Persons who live, work, worship, or attend school in and businesses and other legal entities located within Clay, Coosa, Jefferson, Shelby, St. Clair and Talladega Counties, Alabama
- Spouses of persons who died while within the field of membership of this credit union
- Employees of this credit union
- Immediate family members and members of the household of existing credit union members, regardless of residency
- Organizations of such persons
"Member of the immediate family or household" is defined as spouse, child, sibling, parent, grandparent, or grandchild. For the purpose of this definition, immediate family member includes stepparents, stepchildren, stepsiblings, and adoptive relationships.
"Household" is defined as persons living in the same residence maintaining a single economic unit.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6774 |
| Date Established | 1950 |
| Assets | $289.85 million |
| Loans | $158.23 million |
| Deposits | $248.87 million |
| Capital | $39.45 million |
Field of Membership Restrictions
Deposit Rates - March 3, 2021
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.50% | $2,500 | $2,999 |
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|
|
Money Market
|
0.50% | $10,000 | $14,999 |
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|
|
Money Market
|
0.70% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.50% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.50% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.50% | $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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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.85% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - March 3, 2021
Your Current Location: Connecticut, CT 06828
There are currently no loan rates available for COOSA PINES
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Connecticut 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2890 License#: 13256 |
2.924% | 2.875% | 0.63 | $1,562 | $1,038 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
Note to COOSA PINES
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Coosa Pines 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:
Fairfield,Connecticut
Financial Details
Coosa Pines Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Coosa Pines. 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
| Coosa Pines | U.S. Average |
|---|---|
| 6.83% | 4.42 |
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 September 30, 2020, Coosa Pines had $2,411,031 in non-current loans and $352,106 in owned assets. To cover these potential losses it had $39,452,983 in net worth and $990,392 in loans loss reserves. That gives it a Texas Ratio of 6.83%.
Net Worth
| Coosa Pines | U.S. Average |
|---|---|
| 13.61% | 12.91% |
Coosa Pines FCU has a net worth of 13.61% versus the BestCashCow average of 12.91. 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 Coosa Pines
Branches and Savings
What is Coosa Pines?
A federal credit union, registered with the NCUA under certificate #6774.
Learn more about credit unions here.
Is Coosa Pines FDIC insured?
No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Coosa Pines is insured by the NCUA.
Who can join Coosa Pines?
Please see Field of Membership information above for information on who is eligible to join.
How big is Coosa Pines?
Coosa Pines has total capital of $39.45 million. Full information on Coosa Pines's financial position is located above.
Who owns Coosa Pines?
Credit Unions are owned by their members.
Where are Coosa Pines branches located?
See branch locations nearby.
Are Coosa Pines ATMs Open 24/7?
Do Coosa Pines ATMs accept cash deposits?
Can Coosa Pines customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Coosa Pines have a mobile app?
Does Coosa Pines have mobile deposit?
Does Coosa Pines have quick pay?
How can Coosa Pines transfer money to other banks or credit unions?
Does Coosa Pines report to credit bureaus?
Does Coosa Pines use Chexsystems?
Does Coosa Pines use Equifax?
What is Coosa Pines's toll free phone number?
What is Coosa Pines's ACH Routing Number?
What is Coosa Pines's SWIFT code?
Where can I find Coosa Pines's wire transfer form?
What is the Coosa Pines address for deposits?
What Products Does Coosa Pines Offer
Does Coosa Pines offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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