Oucu Financial Credit Union, Inc.
Headquarters
944 E State St
Athens, OH 45701
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2024 Overview
General Credit Union Information
Oucu Financial Credit Union, Inc. is an NCUA insured institution located in Athens, OH. It was founded in 1955 and has approximately $513.75 millions in assets.
Who can join?
Membership Groups Include:
Ohio University employees (retired and active) and students
Ohio University Alumni
Hocking College employees (retired and active) and students
Hocking College Alumni
Family Members
Family members of current members can join. (examples include parents, siblings, aunts & uncles, cousins, grandparents, in-laws, etc.)
Members of a qualifying association
Employees of a Select Employer Group
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61048 |
| Date Established | 1955 |
| Assets | $513.75 million |
| Loans | $372.33 million |
| Deposits | $392.01 million |
| Capital | $58.29 million |
Field of Membership Restrictions
Membership is open to anyone through joining either the Athens Friends of the Library ($10 fee) or Ohio University Friends of the Libraries ($30 fee). Membership is also open to employees, retirees, alumni and students of Ohio University or Hocking College and employees of over 50 area Select Employer Groups.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.21% | $2,500 | $2,999 |
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|
|
Money Market
|
0.21% | $10,000 | $14,999 |
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|
|
Money Market
|
0.21% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Oucu Financial Credit Union, Inc.
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 |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 1907 |
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NMLS ID: 491986 |
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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 Oucu Financial Credit Union, Inc.
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Branches
Below are Oucu Financial Credit Union, Inc. 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
OUCU FINANCIAL CREDIT UNION, INC. 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
Oucu Financial Credit Union, Inc. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Oucu Financial Credit Union, Inc. . 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
| Oucu Financial Credit Union, Inc. | U.S. Average |
|---|---|
| 4.81% | 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, Oucu Financial Credit Union, Inc. had $3,002,185 in non-current loans and $9,130 in owned assets. To cover these potential losses it had $58,291,079 in net worth and $4,339,331 in loans loss reserves. That gives it a Texas Ratio of 4.81%.
Net Worth
| Oucu Financial Credit Union, Inc. | U.S. Average |
|---|---|
| 11.35% | 13.62% |
Oucu Financial Credit Union, Inc. FCU has a net worth of 11.35% 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 Oucu Financial Credit Union, Inc.
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