P O BOX 2623
Birmingham, AL 35202

Notable Rates APY Vs.Others
Savings 0.25% 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

O'neal is an NCUA insured institution located in Birmingham, AL. It was founded in 1955 and has approximately $2.46 millions in assets.

NCUA Insured Yes
Charter Number # # 64593
Date Established 1955
Assets $2.46 million
Loans $1.57 million
Deposits $1.82 million
Capital $0.63 million

Deposit Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Learn more about these great rates:

Loan Rates - February 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for O'NEAL

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
3.159% 3.125% 0.38 $1,085 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Rocket Mortgage
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to O'NEAL
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Below are O'neal 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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O'neal Locations

Financial Details

O'neal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of O'neal. 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
O'neal U.S. Average
4.01% 5.86

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, 2019, O'neal had $26,632 in non-current loans and $0 in owned assets. To cover these potential losses it had $632,244 in net worth and $31,111 in loans loss reserves. That gives it a Texas Ratio of 4.01%.

Net Worth
O'neal U.S. Average
25.73% 13.65%

O'neal FCU has a net worth of 25.73% versus the BestCashCow average of 13.65. 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 O'neal

Branches and Savings

What is O'neal?

A federal credit union, registered with the NCUA under certificate #64593.
Learn more about credit unions here.

Is O'neal 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 O'neal?

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

What are O'neal's share account and share certificate rates?

O'neal'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 O'neal?

O'neal has total capital of $0.63 million. Full information on O'neal's financial position is located above.

Who owns O'neal?

Credit Unions are owned by their members.

Where are O'neal branches located?

See branch locations nearby.

Are O'neal ATMs Open 24/7?

Do O'neal ATMs accept cash deposits?

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

Does O'neal have a mobile app?

Does O'neal have mobile deposit?

Does O'neal have quick pay?

How can O'neal transfer money to other banks or credit unions?

Does O'neal report to credit bureaus?

Does O'neal use Chexsystems?

Does O'neal use Equifax?

What is O'neal's toll free phone number?

What is O'neal's ACH Routing Number?

What is O'neal's SWIFT code?

Where can I find O'neal's wire transfer form?

What is the O'neal address for deposits?

What Products Does O'neal Offer

Does O'neal offer mortgages?

Compare mortgage rates here.

Does O'neal offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does O'neal offer auto and RV loans?

Compare auto loan rates here.

Does O'neal offer student loans or personal loans?

Compare personal loan rates here.

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