1817 W Sylvester St
Pasco, WA 99301
See all branch locations →

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

Monad is an NCUA insured institution located in Pasco, WA. It was founded in 1955 and has approximately $14.79 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 10332
Date Established 1955
Assets $14.79 million
Loans $4.34 million
Deposits $13.38 million
Capital $1.19 million

Deposit Rates - June 14, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Monad

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Note to Monad
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Loan Rates - June 14, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for MONAD

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
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Neighbors Bank
NMLS ID: 491986
2.904% 2.875% 0.38 $938 $1,038 Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875% 0.88 $2,268 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
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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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
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Note to MONAD
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Below are Monad 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

Monad Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Monad. 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
Monad U.S. Average
2.66% 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, Monad had $19,738 in non-current loans and $12,552 in owned assets. To cover these potential losses it had $1,190,824 in net worth and $21,230 in loans loss reserves. That gives it a Texas Ratio of 2.66%.

Net Worth
Monad U.S. Average
8.04% 12.67%

Monad FCU has a net worth of 8.04% 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 Monad

Branches and Savings

What is Monad?

A federal credit union, registered with the NCUA under certificate #10332.
Learn more about credit unions here.

Is Monad 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. Monad is insured by the NCUA.

Who can join Monad?

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

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

Monad'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 Monad?

Monad has total capital of $1.19 million. Full information on Monad's financial position is located above.

Who owns Monad?

Credit Unions are owned by their members.

Where are Monad branches located?

See branch locations nearby.

Are Monad ATMs Open 24/7?

Do Monad ATMs accept cash deposits?

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

Does Monad have a mobile app?

Does Monad have mobile deposit?

Does Monad have quick pay?

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

Does Monad report to credit bureaus?

Does Monad use Chexsystems?

Does Monad use Equifax?

What is Monad's toll free phone number?

What is Monad's ACH Routing Number?

What is Monad's SWIFT code?

Where can I find Monad's wire transfer form?

What is the Monad address for deposits?

What Products Does Monad Offer

Does Monad offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Monad offer auto and RV loans?

Compare auto loan rates here.

Does Monad offer student loans or personal loans?

Compare personal loan rates here.

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