P O Box 2645
Clarkesville, GA 30523
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.40% →
1-Year CD 0.75% 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Habersham is an NCUA insured institution located in Clarkesville, GA. It was founded in 1978 and has approximately $22.56 millions in assets.

NCUA Insured Yes
Charter Number # # 23054
Date Established 1978
Assets $22.56 million
Loans $15.08 million
Deposits $19.15 million
Capital $3.33 million

Deposit Rates - July 8, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.20% $51 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.75% $500 - Learn More
Variable IRA Rates APY MIN MAX
0.75% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - July 8, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HABERSHAM

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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Below are Habersham 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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Habersham Locations

Financial Details

Habersham Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Habersham. 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
Habersham U.S. Average
4.35% 5.92

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 September 30, 2019, Habersham had $122,650 in non-current loans and $25,500 in owned assets. To cover these potential losses it had $3,330,980 in net worth and $72,865 in loans loss reserves. That gives it a Texas Ratio of 4.35%.

Net Worth
Habersham U.S. Average
14.76% 13.86%

Habersham FCU has a net worth of 14.76% versus the BestCashCow average of 13.86. 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 Habersham

Branches and Savings

What is Habersham?

A federal credit union, registered with the NCUA under certificate #23054.
Learn more about credit unions here.

Is Habersham 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 Habersham?

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

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

Habersham'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 Habersham?

Habersham has total capital of $3.33 million. Full information on Habersham's financial position is located above.

Who owns Habersham?

Credit Unions are owned by their members.

Where are Habersham branches located?

See branch locations nearby.

Are Habersham ATMs Open 24/7?

Do Habersham ATMs accept cash deposits?

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

Does Habersham have a mobile app?

Does Habersham have mobile deposit?

Does Habersham have quick pay?

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

Does Habersham report to credit bureaus?

Does Habersham use Chexsystems?

Does Habersham use Equifax?

What is Habersham's toll free phone number?

What is Habersham's ACH Routing Number?

What is Habersham's SWIFT code?

Where can I find Habersham's wire transfer form?

What is the Habersham address for deposits?

What Products Does Habersham Offer

Does Habersham offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Habersham offer auto and RV loans?

Compare auto loan rates here.

Does Habersham offer student loans or personal loans?

Compare personal loan rates here.

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