1001 S Reynolds Rd
Toledo, OH 43615
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 / Federally Chartered
Charter Number # # 5461
Date Established 1947
Assets $5.20 million
Loans $2.60 million
Deposits $4.94 million
Capital $0.25 million

Deposit Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Focus

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Note to Focus
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Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

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Rocket Mortgage
NMLS ID: 3030
3.349% 3.250% 0.75 $3,125 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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4.840 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Note to FOCUS
To upload and update your bank's rates please register. It is free to register and add rates.



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.

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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% 4.38

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 31, 2021, 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% 12.20%

Focus FCU has a net worth of 4.79% versus the BestCashCow average of 12.20. 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. 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. Focus is insured by the NCUA.

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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