321 Greene Street
Cumberland, MD 21502
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
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

Kel-co is an NCUA insured institution located in Cumberland, MD. It was founded in 1955 and has approximately $50.01 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9965
Date Established 1955
Assets $50.01 million
Loans $18.89 million
Deposits $43.01 million
Capital $7.67 million

Field of Membership Restrictions

Membership is open to residents of the "Tri-State area" (Maryland, Pennsylvania and West Virginia around Cumberland, Maryland).

Deposit Rates - April 11, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Kel-co

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Loan Rates - April 11, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for KEL-CO

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

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to KEL-CO
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Below are Kel-co 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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Kel-co Locations

Financial Details

Kel-co Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kel-co. 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
Kel-co U.S. Average
2.63% 5.40

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, 2020, Kel-co had $162,040 in non-current loans and $45,000 in owned assets. To cover these potential losses it had $7,673,607 in net worth and $191,912 in loans loss reserves. That gives it a Texas Ratio of 2.63%.

Net Worth
Kel-co U.S. Average
15.34% 12.67%

Kel-co FCU has a net worth of 15.34% versus the BestCashCow average of 12.67. 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 Kel-co

Branches and Savings

What is Kel-co?

A federal credit union, registered with the NCUA under certificate #9965.
Learn more about credit unions here.

Is Kel-co 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. Kel-co is insured by the NCUA.

Who can join Kel-co?

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

What are Kel-co's share account and share certificate rates?

Kel-co'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 Kel-co?

Kel-co has total capital of $7.67 million. Full information on Kel-co's financial position is located above.

Who owns Kel-co?

Credit Unions are owned by their members.

Where are Kel-co branches located?

See branch locations nearby.

Are Kel-co ATMs Open 24/7?

Do Kel-co ATMs accept cash deposits?

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

Does Kel-co have a mobile app?

Does Kel-co have mobile deposit?

Does Kel-co have quick pay?

How can Kel-co transfer money to other banks or credit unions?

Does Kel-co report to credit bureaus?

Does Kel-co use Chexsystems?

Does Kel-co use Equifax?

What is Kel-co's toll free phone number?

What is Kel-co's ACH Routing Number?

What is Kel-co's SWIFT code?

Where can I find Kel-co's wire transfer form?

What is the Kel-co address for deposits?

What Products Does Kel-co Offer

Does Kel-co offer mortgages?

Compare mortgage rates here.

Does Kel-co offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Kel-co offer auto and RV loans?

Compare auto loan rates here.

Does Kel-co offer student loans or personal loans?

Compare personal loan rates here.

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