Firelands Federal Credit Union
Headquarters
Po Box 8005
Bellevue, OH 44811
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2024 Overview
General Credit Union Information
Firelands is an NCUA insured institution located in Bellevue, OH. It was founded in 1957 and has approximately $450.51 millions in assets.
Who can join?
Firelands Federal Credit Union's Field of Membership
The field of membership shall be limited to those having the following common bond: Persons who reside, work, or worship, attend school, and businesses and other legal entities within the geographic area of Huron County, Ohio, including the entire Village of Plymouth; Groton, Oxford, Milan, Berlin, and Florence Townships in Erie County; York Township in Sandusky, County, Ohio; Adams, Thompson, Reed and Venice Townships in Seneca County, Ohio, including the village of Green Springs.
Persons who live in the community of Crawford county, Ohio, persons
who regularly work, worship, attend school, perform volunteer services, and participate in associations headquartered in the community of Crawford County. Persons participating in programs to alleviate poverty or distress located in Crawford County, incorporated and unincorporated organizations located in or maintaining a facility in Crawford County.
Spouses of persons who died while within the field of membership of this credit union, Employees of this credit union, members of their immediate families; and organizations of such persons.
“Immediate Family Members” under NCUA guidelines
Spouse, child, sibling, parent, grandparent, or grandchild.
This includes step-parents, step-children, step-siblings, and adoptions.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 11674 |
| Date Established | 1957 |
| Assets | $450.51 million |
| Loans | $307.54 million |
| Deposits | $404.26 million |
| Capital | $41.62 million |
Field of Membership Restrictions
Must live, work, worship or attend school in Huron County; Groton, Oxford, Milan, Berlin or Florence Township in Erie County; York Township in Sandusky County; Adams, Thompson, Reed or Venice Township in Seneca County or Crawford County.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.03% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.03% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.03% | $1 | $99 | Learn More |
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Firelands
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: 447490 |
6.836% | 6.750% | 0.88 | $2,822 | $2,076 | Learn More |
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | 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 |
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 Firelands
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Firelands 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
FIRELANDS 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
Firelands Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Firelands. 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
| Firelands | U.S. Average |
|---|---|
| 15.62% | 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, Firelands had $6,759,837 in non-current loans and $44,750 in owned assets. To cover these potential losses it had $41,616,099 in net worth and $1,956,499 in loans loss reserves. That gives it a Texas Ratio of 15.62%.
Net Worth
| Firelands | U.S. Average |
|---|---|
| 9.23% | 13.62% |
Firelands FCU has a net worth of 9.23% 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 Firelands
Budd1976
May 6, 2021
I am very disappointed in the Firelands FCU. I tried to re-enroll and was very unsuccessful. I have been a customer of this establishment for five and one half years and have until this point been very happy. Now it is impossible for me to re-enroll in on line banking. I followed the prompts correctly. I have contacted my attorney and may follow steps to action. I can not believe a company I thought was so professional is not. I am expecting a call from your help desk to resolve this problem. Today I spent thirty minutes waiting in line at the Norwalk, Ohio office with no answer. Shame on you for making it difficult. Best Regards, Richard Lamvermeyer
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