503 West Main St.
Morehead, KY 40351
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.95% →
1-Year CD 0.50% 1.01% →
2-Year CD 0.70% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Morehead Community is an NCUA insured institution located in Morehead, KY. It was founded in 1978 and has approximately $38.86 millions in assets.

NCUA Insured Yes
Charter Number # # 23070
Date Established 1978
Assets $38.86 million
Loans $17.74 million
Deposits $33.93 million
Capital $4.74 million

Field of Membership Restrictions

Memberships is open to those who live, work, attend school, or worship in Rowan County.

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for MOREHEAD COMMUNITY

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.575% 2.500% 1.00 $2,468 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
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 Morehead Community 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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Morehead Community Locations

Financial Details

Morehead Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Morehead Community. 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
Morehead Community U.S. Average
10.89% 6.71

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 30, 2020, Morehead Community had $528,941 in non-current loans and $500 in owned assets. To cover these potential losses it had $4,735,597 in net worth and $125,368 in loans loss reserves. That gives it a Texas Ratio of 10.89%.

Net Worth
Morehead Community U.S. Average
12.18% 13.61%

Morehead Community FCU has a net worth of 12.18% versus the BestCashCow average of 13.61. 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 Morehead Community

Branches and Savings

What is Morehead Community?

A federal credit union, registered with the NCUA under certificate #23070.
Learn more about credit unions here.

Is Morehead Community 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 Morehead Community?

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

What are Morehead Community's share account and share certificate rates?

Morehead Community'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 Morehead Community?

Morehead Community has total capital of $4.74 million. Full information on Morehead Community's financial position is located above.

Who owns Morehead Community?

Credit Unions are owned by their members.

Where are Morehead Community branches located?

See branch locations nearby.

Are Morehead Community ATMs Open 24/7?

Do Morehead Community ATMs accept cash deposits?

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

Does Morehead Community have a mobile app?

Does Morehead Community have mobile deposit?

Does Morehead Community have quick pay?

How can Morehead Community transfer money to other banks or credit unions?

Does Morehead Community report to credit bureaus?

Does Morehead Community use Chexsystems?

Does Morehead Community use Equifax?

What is Morehead Community's toll free phone number?

What is Morehead Community's ACH Routing Number?

What is Morehead Community's SWIFT code?

Where can I find Morehead Community's wire transfer form?

What is the Morehead Community address for deposits?

What Products Does Morehead Community Offer

Does Morehead Community offer mortgages?

Compare mortgage rates here.

Does Morehead Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Morehead Community offer auto and RV loans?

Compare auto loan rates here.

Does Morehead Community offer student loans or personal loans?

Compare personal loan rates here.

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