Coosa Pines Federal Credit Union
33710 Us Highway 280
Childersburg, AL 35044
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2022 Overview
General Credit Union Information
Coosa Pines is an NCUA insured institution located in Childersburg, AL. It was founded in 1950 and has approximately $330.39 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 | $330.39 million |
| Loans | $182.48 million |
| Deposits | $287.20 million |
| Capital | $43.48 million |
Field of Membership Restrictions
Deposit Rates - May 18, 2022
Your Current Location: Virginia, VA 20146
| 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 - May 18, 2022
Your Current Location: Virginia, VA 20146
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 - Virginia 30 Year Fixed Mortgage Rates 2022
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 330511 |
5.587% | 5.500% | 1.00 | $2,400 | $1,420 | Learn More |
NMLS ID: 3030 |
6.013% | 5.875% | 1.00 | $3,750 | $1,479 | Learn More |
NMLS ID: 3030 |
5.990% | 5.875% | 0.75 | $3,125 | $1,479 | Learn More |
NMLS ID: 128231 |
5.339% | 5.250% | 1.00 | $2,500 | $1,381 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2022
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
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:
Ashburn,Virginia
Climate Initiatives
COOSA PINES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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 |
|---|---|
| 6.64% | 4.85 |
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, 2021, Coosa Pines had $2,918,119 in non-current loans and $38,000 in owned assets. To cover these potential losses it had $43,475,150 in net worth and $1,047,679 in loans loss reserves. That gives it a Texas Ratio of 6.64%.
Net Worth
| Coosa Pines | U.S. Average |
|---|---|
| 13.15% | 12.36% |
Coosa Pines FCU has a net worth of 13.15% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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