Habersham Federal Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.20% 1.02% →
1-Year CD N.A. 1.50% →
2-Year CD N.A. 2.86% →
5-Year CD N.A. 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Habersham is an NCUA insured institution located in Clarkesville, GA. It was founded in 1978 and has approximately $24.14 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 23054
Date Established 1978
Assets $24.14 million
Loans $15.13 million
Deposits $20.69 million
Capital $3.39 million
 

Deposit Rates - May 25, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.60% $10,000 $14,999 Learn More
Money Market
0.70% $25,000 $29,999 Learn More

Variable IRA Rates APY MIN MAX
Var IRA
0.75% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 25, 2022

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
4.963% 4.875% 0.63 $2,540 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to HABERSHAM
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Branches

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.

Your Location:
Ashburn,Virginia


Habersham Locations



Climate Initiatives

HABERSHAM is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
3.88% 4.85

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, 2021, Habersham had $107,759 in non-current loans and $25,500 in owned assets. To cover these potential losses it had $3,388,565 in net worth and $50,248 in loans loss reserves. That gives it a Texas Ratio of 3.88%.

Net Worth
Habersham U.S. Average
14.03% 12.36%

Habersham FCU has a net worth of 14.03% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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