503 West Main St.
Morehead, KY 40351


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 23070
Date Established 1978
Assets $33.99 million
Loans $16.56 million
Deposits $29.87 million
Capital $3.91 million

Morehead Community is an NCUA insured institution located in Morehead, KY. It was founded in 1978 and has approximately $33.99 millions in assets.

Field of Membership Restrictions

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

Deposit Rates - March 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.45% $2,000 $9,999 Learn MoreShow Less
Money Market
0.80% $10,000 $24,999 Learn MoreShow Less
Money Market
1.00% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
2.02% $25 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.80% $1,000 - Learn MoreShow Less
6 Mo CD
1.41% $1,000 - Learn MoreShow Less
12 Mo CD
2.15% $1,000 - Learn MoreShow Less
18 Mo CD
2.27% $1,000 - Learn MoreShow Less
24 Mo CD
2.42% $1,000 - Learn MoreShow Less
36 Mo CD
2.68% $1,000 - Learn MoreShow Less
48 Mo CD
3.03% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $100 $1,999 Learn MoreShow Less
Int Ckg
0.35% $2,000 $24,999 Learn MoreShow Less

Loan Rates - March 24, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
PenFed Credit Union
NMLS ID: 401822
4.250% 4.125% 0.50 $3,750 $1,212 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
PenFed Credit Union
PenFed Credit Union
5.500 %
$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.

Your Location:

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
12.19% 6.94

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, 2018, Morehead Community had $465,225 in non-current loans and $21,175 in owned assets. To cover these potential losses it had $3,905,940 in net worth and $83,977 in loans loss reserves. That gives it a Texas Ratio of 12.19%.

Net Worth
Morehead Community U.S. Average
11.49% 13.08%

Morehead Community FCU has a net worth of 11.49% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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