Electric

Headquarters

Po Box 6479
San Jose, CA 951506479
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Electric is an NCUA insured institution located in San Jose, CA. It was founded in 1962 and has approximately $11.62 millions in assets.

NCUA Insured Yes
Charter Number # # 15334
Date Established 1962
Assets $11.62 million
Loans $2.22 million
Deposits $10.37 million
Capital $1.23 million
 

Deposit Rates - January 24, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Electric

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Electric
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Loan Rates - January 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ELECTRIC

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
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AimLoan.com
NMLS ID: 2890
License#: 13256
2.562% 2.500% 0.75 $2,030 $988 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to ELECTRIC
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Branches

Below are Electric 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


Electric Locations


Financial Details

Electric Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Electric. 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
Electric U.S. Average
0.00% 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, Electric had $0 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,229,860 in net worth and $10,000 in loans loss reserves. That gives it a Texas Ratio of 0.00%.

Net Worth
Electric U.S. Average
10.58% 12.91%

Electric FCU has a net worth of 10.58% 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 Electric

Branches and Savings

What is Electric?

A credit union, registered with the NCUA under certificate #15334.
Learn more about credit unions here.

Is Electric FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Electric?

Please see Field of Membership information above for information on who is eligible to join.

What are Electric's share account and share certificate rates?

Electric's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Electric?

Electric has total capital of $1.23 million. Full information on Electric's financial position is located above.

Who owns Electric?

Credit Unions are owned by their members.

Where are Electric branches located?

See branch locations nearby.

Are Electric ATMs Open 24/7?

Do Electric ATMs accept cash deposits?

Can Electric customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Electric have a mobile app?

Does Electric have mobile deposit?

Does Electric have quick pay?

How can Electric transfer money to other banks or credit unions?

Does Electric report to credit bureaus?

Does Electric use Chexsystems?

Does Electric use Equifax?

What is Electric's toll free phone number?

What is Electric's ACH Routing Number?

What is Electric's SWIFT code?

Where can I find Electric's wire transfer form?

What is the Electric address for deposits?

What Products Does Electric Offer

Does Electric offer mortgages?

Compare mortgage rates here.

Does Electric offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Electric offer auto and RV loans?

Compare auto loan rates here.

Does Electric offer student loans or personal loans?

Compare personal loan rates here.

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