FOCUS

Headquarters

1001 S REYNOLDS RD
Toledo, OH 43615
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Focus is an NCUA insured institution located in Toledo, OH. It was founded in 1947 and has approximately $5.2 millions in assets.

NCUA Insured Yes
Charter Number # # 5461
Date Established 1947
Assets $5.20 million
Loans $2.60 million
Deposits $4.94 million
Capital $0.25 million
 

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

We do not yet have rates for Focus

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Focus
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Advertiser Disclosure

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for FOCUS

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



Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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



Branches

Below are Focus 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:
Seattle,Washington


Focus Locations


Financial Details

Focus Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Focus. 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
Focus U.S. Average
6.64% 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, Focus had $15,089 in non-current loans and $8,344 in owned assets. To cover these potential losses it had $249,091 in net worth and $103,854 in loans loss reserves. That gives it a Texas Ratio of 6.64%.

Net Worth
Focus U.S. Average
4.79% 13.61%

Focus FCU has a net worth of 4.79% 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 Focus

Branches and Savings

What is Focus?

A federal credit union, registered with the NCUA under certificate #5461.
Learn more about credit unions here.

Is Focus 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 Focus?

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

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

Focus'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 Focus?

Focus has total capital of $0.25 million. Full information on Focus's financial position is located above.

Who owns Focus?

Credit Unions are owned by their members.

Where are Focus branches located?

See branch locations nearby.

Are Focus ATMs Open 24/7?

Do Focus ATMs accept cash deposits?

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

Does Focus have a mobile app?

Does Focus have mobile deposit?

Does Focus have quick pay?

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

Does Focus report to credit bureaus?

Does Focus use Chexsystems?

Does Focus use Equifax?

What is Focus's toll free phone number?

What is Focus's ACH Routing Number?

What is Focus's SWIFT code?

Where can I find Focus's wire transfer form?

What is the Focus address for deposits?

What Products Does Focus Offer

Does Focus offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Focus offer auto and RV loans?

Compare auto loan rates here.

Does Focus offer student loans or personal loans?

Compare personal loan rates here.

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