Family Savings Federal Credit Union
Headquarters
711 East Meighan Blvd
Gadsden, AL 35903
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2024 Overview
General Credit Union Information
Family Savings is an NCUA insured institution located in Gadsden, AL. It was founded in 1951 and has approximately $305.62 millions in assets.
Who can join?
Anyone who lives, works, worships, or attends school in the following counties is eligible to join:
Alabama - Persons who live, worship, work (or regularly conduct business in), or attend school in Etowah, Marshall, DeKalb, Jackson, Cherokee, Calhoun, Cleburne, Madison, Blount and St. Clair Counties, Alabama.
Georgia - Persons who live in Bartow, Catoosa, Chattooga, Dade, Floyd, Gordon, Haralson, Paulding, Polk and Walker Counties, Georgia.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24665 |
| Date Established | 1951 |
| Assets | $305.62 million |
| Loans | $192.27 million |
| Deposits | $268.20 million |
| Capital | $32.52 million |
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| NGAGE Checking Accounts | 3.00% | $0 | $0.00 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Family Savings
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.710% | 6.625% | 0.88 | $2,806 | $2,049 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Family Savings
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Branches
Below are Family Savings 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:
Columbus,Ohio
Climate Policy and Initiatives
FAMILY SAVINGS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Family Savings Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Family Savings. 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
| Family Savings | U.S. Average |
|---|---|
| 10.95% | 6.97 |
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, 2023, Family Savings had $3,164,828 in non-current loans and $602,987 in owned assets. To cover these potential losses it had $32,518,327 in net worth and $1,891,300 in loans loss reserves. That gives it a Texas Ratio of 10.95%.
Net Worth
| Family Savings | U.S. Average |
|---|---|
| 10.64% | 13.62% |
Family Savings FCU has a net worth of 10.64% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Family Savings
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