Enchanted Mountains


180 W Main St
Allegany, NY 14706
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
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

Enchanted Mountains is an NCUA insured institution located in Allegany, NY. It was founded in 1953 and has approximately $12.96 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8976
Date Established 1953
Assets $12.96 million
Loans $4.68 million
Deposits $11.84 million
Capital $1.11 million

Deposit Rates - May 18, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - May 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ENCHANTED MOUNTAINS

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
Learn More
CIT Bank
NMLS ID: 541760
2.991% 2.950% 0.50 $1,315 $1,048 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.764% 2.750% 0.13 $452 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



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Financial Details

Enchanted Mountains Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Enchanted Mountains. 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
Enchanted Mountains U.S. Average
3.36% 5.40

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, 2020, Enchanted Mountains had $38,852 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,108,049 in net worth and $47,093 in loans loss reserves. That gives it a Texas Ratio of 3.36%.

Net Worth
Enchanted Mountains U.S. Average
8.55% 12.67%

Enchanted Mountains FCU has a net worth of 8.55% versus the BestCashCow average of 12.67. 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 Enchanted Mountains

Branches and Savings

What is Enchanted Mountains?

A federal credit union, registered with the NCUA under certificate #8976.
Learn more about credit unions here.

Is Enchanted Mountains 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. Enchanted Mountains is insured by the NCUA.

Who can join Enchanted Mountains?

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

What are Enchanted Mountains's share account and share certificate rates?

Enchanted Mountains'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 Enchanted Mountains?

Enchanted Mountains has total capital of $1.11 million. Full information on Enchanted Mountains's financial position is located above.

Who owns Enchanted Mountains?

Credit Unions are owned by their members.

Where are Enchanted Mountains branches located?

See branch locations nearby.

Are Enchanted Mountains ATMs Open 24/7?

Do Enchanted Mountains ATMs accept cash deposits?

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

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What Products Does Enchanted Mountains Offer

Does Enchanted Mountains offer mortgages?

Compare mortgage rates here.

Does Enchanted Mountains offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Enchanted Mountains offer auto and RV loans?

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Does Enchanted Mountains offer student loans or personal loans?

Compare personal loan rates here.

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