PO BOX 80505
Athens, GA 30608

Notable Rates APY Vs.Others
Savings 0.10% 2.30% →
1-Year CD 0.30% 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

First Reliance is an NCUA insured institution located in Athens, GA. It was founded in 1971 and has approximately $13.55 millions in assets.

NCUA Insured Yes
Charter Number # # 20707
Date Established 1971
Assets $13.55 million
Loans $6.09 million
Deposits $11.95 million
Capital $1.47 million

Deposit Rates - December 7, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
0.30% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $1,000 - Learn MoreShow Less
12 Mo CD
0.30% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $100 - Learn MoreShow Less

Loan Rates - December 7, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FIRST RELIANCE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
3.630% 3.625% 0.00 $155 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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Below are First Reliance 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:

First Reliance Locations

Financial Details

First Reliance Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Reliance. 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
First Reliance U.S. Average
11.67% 5.86

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 June 30, 2019, First Reliance had $68,234 in non-current loans and $109,772 in owned assets. To cover these potential losses it had $1,473,637 in net worth and $51,734 in loans loss reserves. That gives it a Texas Ratio of 11.67%.

Net Worth
First Reliance U.S. Average
10.87% 13.65%

First Reliance FCU has a net worth of 10.87% versus the BestCashCow average of 13.65. 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 First Reliance

Branches and Savings

What is First Reliance?

A federal credit union, registered with the NCUA under certificate #20707.
Learn more about credit unions here.

Is First Reliance 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 First Reliance?

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

What are First Reliance's share account and share certificate rates?

First Reliance'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 First Reliance?

First Reliance has total capital of $1.47 million. Full information on First Reliance's financial position is located above.

Who owns First Reliance?

Credit Unions are owned by their members.

Where are First Reliance branches located?

See branch locations nearby.

Are First Reliance ATMs Open 24/7?

Do First Reliance ATMs accept cash deposits?

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

Does First Reliance have a mobile app?

Does First Reliance have mobile deposit?

Does First Reliance have quick pay?

How can First Reliance transfer money to other banks or credit unions?

Does First Reliance report to credit bureaus?

Does First Reliance use Chexsystems?

Does First Reliance use Equifax?

What is First Reliance's toll free phone number?

What is First Reliance's ACH Routing Number?

What is First Reliance's SWIFT code?

Where can I find First Reliance's wire transfer form?

What is the First Reliance address for deposits?

What Products Does First Reliance Offer

Does First Reliance offer mortgages?

Compare mortgage rates here.

Does First Reliance offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Reliance offer auto and RV loans?

Compare auto loan rates here.

Does First Reliance offer student loans or personal loans?

Compare personal loan rates here.

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