2021 Overview
General Credit Union Information
Ep is an NCUA insured institution located in Washington, DC. It was founded in 1935 and has approximately $73.19 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 262 |
| Date Established | 1935 |
| Assets | $73.19 million |
| Loans | $32.94 million |
| Deposits | $66.78 million |
| Capital | $5.59 million |
Field of Membership Restrictions
Deposit Rates - March 7, 2021
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
Loan Rates - March 7, 2021
Your Current Location: Connecticut, CT 06828
There are currently no loan rates available for EP
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: 3030 |
3.620% | 3.500% | 1.00 | $3,750 | $1,123 | Learn More |
|
NMLS ID: 3030 |
3.620% | 3.500% | 1.00 | $3,750 | $1,123 | Learn More |
NMLS ID: 2890 License#: 13256 |
2.827% | 2.750% | 1.00 | $2,500 | $1,021 | Learn More |
NMLS ID: 1168 |
3.043% | 2.990% | 0.63 | $1,712 | $1,053 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
People's United Bank, N.A. See Table |
4.000 %
|
$0 |
Learn More
More Info |
Note to EP
To upload and update your bank's rates please register.
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Branches
Below are Ep 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
Ep Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ep. 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
| Ep | U.S. Average |
|---|---|
| 1.72% | 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, Ep had $37,884 in non-current loans and $61,000 in owned assets. To cover these potential losses it had $5,588,340 in net worth and $147,608 in loans loss reserves. That gives it a Texas Ratio of 1.72%.
Net Worth
| Ep | U.S. Average |
|---|---|
| 8.29% | 12.91% |
Ep FCU has a net worth of 8.29% 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 Ep
Branches and Savings
What is Ep?
A federal credit union, registered with the NCUA under certificate #262.
Learn more about credit unions here.
Is Ep 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. Ep is insured by the NCUA.
Who can join Ep?
Please see Field of Membership information above for information on who is eligible to join.
How big is Ep?
Ep has total capital of $5.59 million. Full information on Ep's financial position is located above.
Who owns Ep?
Credit Unions are owned by their members.
Where are Ep branches located?
See branch locations nearby.
Are Ep ATMs Open 24/7?
Do Ep ATMs accept cash deposits?
Can Ep customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Ep have a mobile app?
Does Ep have mobile deposit?
Does Ep have quick pay?
How can Ep transfer money to other banks or credit unions?
Does Ep report to credit bureaus?
Does Ep use Chexsystems?
Does Ep use Equifax?
What is Ep's toll free phone number?
What is Ep's ACH Routing Number?
What is Ep's SWIFT code?
Where can I find Ep's wire transfer form?
What is the Ep address for deposits?
What Products Does Ep Offer
Does Ep offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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