ENCOMPASS

Headquarters

221 N MAIN ST
Tipton, IN 46072
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.91% →
1-Year CD 0.75% 0.85% →
2-Year CD 1.25% 0.95% →
5-Year CD 1.51% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Encompass is an NCUA insured institution located in Tipton, IN. It was founded in 1953 and has approximately $204.11 millions in assets.

Who can join?

Membership in Encompass Credit Union is open to anyone who lives, works, worships, or attends school in Tipton or Clinton County, Indiana. A person who has an immediate family member who is either a member or eligible to be a member may also join. Immediate family includes spouse, children, siblings, parent, grandparent, and grandchildren. Step, adoptive, and in-law relationships of the same are also included. Businesses and organizations can join as well.

NCUA Insured Yes
Charter Number # # 8548
Date Established 1953
Assets $204.11 million
Loans $145.88 million
Deposits $182.39 million
Capital $21.29 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Tipton or Clinton County, Indiana. Membership is also open to immediate family of current and eligible members.

Deposit Rates - November 30, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $500 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $500 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
1.00% $500 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.25% $500 $14,999 Learn More
24 Mo CD
1.25% $100,000 $199,999 Learn More
36 Mo CD
1.51% $500 $14,999 Learn More
36 Mo CD
1.51% $100,000 $199,999 Learn More
48 Mo CD
1.51% $500 $14,999 Learn More
48 Mo CD
1.51% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
2.02% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $99 Learn MoreShow Less
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ENCOMPASS

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.582% 2.500% 0.88 $2,715 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.554% 2.500% 0.75 $1,775 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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

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


 

Branches

Below are Encompass 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


Encompass Locations


Financial Details

Encompass Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Encompass. 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
Encompass U.S. Average
19.47% 6.71

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 March 30, 2020, Encompass had $4,508,826 in non-current loans and $14,886 in owned assets. To cover these potential losses it had $21,289,843 in net worth and $1,941,799 in loans loss reserves. That gives it a Texas Ratio of 19.47%.

Net Worth
Encompass U.S. Average
10.43% 13.61%

Encompass FCU has a net worth of 10.43% versus the BestCashCow average of 13.61. 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 Encompass

Branches and Savings

What is Encompass?

A federal credit union, registered with the NCUA under certificate #8548.
Learn more about credit unions here.

Is Encompass 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 Encompass?

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

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

Encompass'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 Encompass?

Encompass has total capital of $21.29 million. Full information on Encompass's financial position is located above.

Who owns Encompass?

Credit Unions are owned by their members.

Where are Encompass branches located?

See branch locations nearby.

Are Encompass ATMs Open 24/7?

Do Encompass ATMs accept cash deposits?

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

Does Encompass have a mobile app?

Does Encompass have mobile deposit?

Does Encompass have quick pay?

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

Does Encompass report to credit bureaus?

Does Encompass use Chexsystems?

Does Encompass use Equifax?

What is Encompass's toll free phone number?

What is Encompass's ACH Routing Number?

What is Encompass's SWIFT code?

Where can I find Encompass's wire transfer form?

What is the Encompass address for deposits?

What Products Does Encompass Offer

Does Encompass offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Encompass offer auto and RV loans?

Compare auto loan rates here.

Does Encompass offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Encompass

There are currently no comments for Encompass. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →