Owensboro, KY 42303


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 8940
Date Established 1953
Assets $5.95 million
Loans $4.30 million
Deposits $4.61 million
Capital $1.31 million

Modern Employees is an NCUA insured institution located in Owensboro, KY. It was founded in 1953 and has approximately $5.95 millions in assets.

Deposit Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

We do not yet have rates for Modern Employees

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.

Back to Modern Employees

Note to Modern Employees
To upload and update your credit union's rates please register. It is free to register and add rates.

There are currently no rates available for Modern Employees, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - August 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MODERN EMPLOYEES

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More
First Internet Bank
NMLS ID: 424182
3.767% 3.750% 0.25 $505 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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


Below are Modern Employees 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:

Modern Employees Locations

Financial Details

Modern Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Modern Employees. 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
Modern Employees U.S. Average
0.85% 6.77

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, 2019, Modern Employees had $11,365 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,306,281 in net worth and $38,520 in loans loss reserves. That gives it a Texas Ratio of 0.85%.

Net Worth
Modern Employees U.S. Average
21.95% 13.47%

Modern Employees FCU has a net worth of 21.95% versus the BestCashCow average of 13.47. 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 Modern Employees

Branches and Savings

What is Modern Employees?

A federal credit union, registered with the NCUA under certificate #8940.
Learn more about credit unions here.

Is Modern Employees 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 Modern Employees?

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

What are Modern Employees's share account and share certificate rates?

Modern Employees'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 Modern Employees?

Modern Employees has total capital of $1.31 million. Full information on Modern Employees's financial position is located above.

Who owns Modern Employees?

Credit Unions are owned by their members.

Where are Modern Employees branches located?

See branch locations nearby.

Are Modern Employees ATMs Open 24/7?

Do Modern Employees ATMs accept cash deposits?

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

Does Modern Employees have a mobile app?

Does Modern Employees have mobile deposit?

Does Modern Employees have quick pay?

How can Modern Employees transfer money to other banks or credit unions?

Does Modern Employees report to credit bureaus?

Does Modern Employees use Chexsystems?

Does Modern Employees use Equifax?

What is Modern Employees's toll free phone number?

What is Modern Employees's ACH Routing Number?

What is Modern Employees's SWIFT code?

Where can I find Modern Employees's wire transfer form?

What is the Modern Employees address for deposits?

What Products Does Modern Employees Offer

Does Modern Employees offer mortgages?

Compare mortgage rates here.

Does Modern Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Modern Employees offer auto and RV loans?

Compare auto loan rates here.

Does Modern Employees offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Modern Employees

There are currently no comments for Modern Employees. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →