Monarch Federal Credit Union


170 Monarch Ln
Miamisburg, OH 45342
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
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

Monarch is an NCUA insured institution located in Miamisburg, OH. It was founded in 1936 and has approximately $9.75 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1489
Date Established 1936
Assets $9.75 million
Loans $5.11 million
Deposits $8.61 million
Capital $1.02 million

Deposit Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Monarch

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Loan Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for MONARCH

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
NMLS ID: 330511
3.149% 3.125% 0.25 $760 $1,071 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
See Table
2.240 %
$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 Monarch 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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Monarch Locations

Climate Initiatives

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

Financial Details

Monarch Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Monarch. 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
Monarch U.S. Average
8.52% 3.79

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 June 30, 2021, Monarch had $91,611 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,021,248 in net worth and $54,534 in loans loss reserves. That gives it a Texas Ratio of 8.52%.

Net Worth
Monarch U.S. Average
10.47% 12.22%

Monarch FCU has a net worth of 10.47% versus the BestCashCow average of 12.22. 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 Monarch

Branches and Savings

What is Monarch?

A federal credit union, registered with the NCUA under certificate #1489.
Learn more about credit unions here.

Is Monarch 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. Monarch is insured by the NCUA.

Who can join Monarch?

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

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

Monarch'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 Monarch?

Monarch has total capital of $1.02 million. Full information on Monarch's financial position is located above.

Who owns Monarch?

Credit Unions are owned by their members.

Where are Monarch branches located?

See branch locations nearby.

Are Monarch ATMs Open 24/7?

Do Monarch ATMs accept cash deposits?

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

Does Monarch have a mobile app?

Does Monarch have mobile deposit?

Does Monarch have quick pay?

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

Does Monarch report to credit bureaus?

Does Monarch use Chexsystems?

Does Monarch use Equifax?

What is Monarch's toll free phone number?

What is Monarch's ACH Routing Number?

What is Monarch's SWIFT code?

Where can I find Monarch's wire transfer form?

What is the Monarch address for deposits?

What Products Does Monarch Offer

Does Monarch offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Monarch offer auto and RV loans?

Compare auto loan rates here.

Does Monarch offer student loans or personal loans?

Compare personal loan rates here.

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