Ohio Educational Credit Union
Headquarters
P.o. Box 93079
Cleveland, OH 44101
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2024 Overview
General Credit Union Information
Ohio Educational is located in Cleveland, Oh. It was founded in 1900 and has approximately $149.18 millions in assets.
| NCUA Insured | No |
| Charter Number # | # 95107 |
| Date Established | 1900 |
| Assets | $149.18 million |
| Loans | $98.93 million |
| Deposits | $135.40 million |
| Capital | $10.99 million |
Field of Membership Restrictions
Membership is open to all employees, students, and alumni of any public or private educational institutions in Ohio. Membership is also open to employees of Allen Memorial Hospital, Cleveland State University, Council for Economic Opportunity, and 400 Ohio-based companies.
Deposit Rates - May 10, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.01% | $2,500 | $4,999 |
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|
|
Money Market
|
0.02% | $2,500 | $2,999 |
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|
|
Money Market
|
0.03% | $10,000 | $14,999 |
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|
|
Money Market
|
0.04% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.04% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $2,500 | $3,499 | Learn More |
Loan Rates - May 10, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Ohio Educational
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.553% | 6.375% | 0.88 | $6,000 | $1,997 | Learn More |
NMLS ID: 2059741 |
6.755% | 6.625% | 0.75 | $4,320 | $2,049 | Learn More |
NMLS ID: 1025894 |
7.070% | 6.990% | 0.63 | $2,578 | $2,127 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Ohio Educational
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Branches
Below are Ohio Educational 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:
Columbus,Ohio
Climate Policy and Initiatives
OHIO EDUCATIONAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Ohio Educational Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ohio Educational. 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
| Ohio Educational | U.S. Average |
|---|---|
| 4.08% | 6.97 |
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, 2023, Ohio Educational had $454,859 in non-current loans and $24,000 in owned assets. To cover these potential losses it had $10,991,493 in net worth and $746,850 in loans loss reserves. That gives it a Texas Ratio of 4.08%.
Net Worth
| Ohio Educational | U.S. Average |
|---|---|
| 7.36% | 13.62% |
Ohio Educational FCU has a net worth of 7.36% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Ohio Educational
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