P O BOX 5073
Livermore, CA 94551


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 24235
Date Established 1963
Assets $1,124.91 million
Loans $611.15 million
Deposits $897.87 million
Capital $160.81 million

Operating Engineers Local Union #3 is an NCUA insured institution located in Livermore, CA. It was founded in 1963 and has approximately $1124.91 millions in assets.

Who can join?

If you or an immediate family member is in one of the OE's associated unions, then you are eligible to join.

Field of Membership Restrictions

Membership in OE Federal Credit Union is open to the following: (1) employees, miners, and public employees of Operating Engineers Local #3; (2) members of Operating Engineers Local Union #9,Operating Engineers Local Union #428, Napa Solano Building Trades Council, Laborers' Local 294, Iron Workers Local Union #27, and over 100 other trade unions; (2) employees of American Diversified Pharmacies, Inc, United Workers for Local Government, Consolidated Engineering Laboratories, and over 50 Signatory or Affiliated Groups.

Deposit Rates - February 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.40% $1,000 $9,999 Learn MoreShow Less
Money Market
0.45% $10,000 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.60% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.65% $1,000 - Learn MoreShow Less
6 Mo CD
1.15% $1,000 - Learn MoreShow Less
12 Mo CD
1.60% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.50% $1,000 $250,000 Learn MoreShow Less
18 Mo CD
1.65% $1,000 - Learn MoreShow Less
24 Mo CD
1.95% $1,000 - Learn MoreShow Less
36 Mo CD
2.10% $1,000 - Learn MoreShow Less
48 Mo CD
2.35% $1,000 - Learn MoreShow Less
60 Mo CD
2.65% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $100 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $9,999 Learn MoreShow Less

Loan Rates - February 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for OPERATING ENGINEERS LOCAL UNION #3

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
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$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 Operating Engineers Local Union #3 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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Operating Engineers Local Union #3 Locations

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Financial Details

Operating Engineers Local Union #3 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Operating Engineers Local Union #3. 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
Operating Engineers Local Union #3 U.S. Average
2.36% 5.78

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, 2018, Operating Engineers Local Union #3 had $3,345,638 in non-current loans and $601,616 in owned assets. To cover these potential losses it had $160,811,151 in net worth and $6,443,429 in loans loss reserves. That gives it a Texas Ratio of 2.36%.

Net Worth
Operating Engineers Local Union #3 U.S. Average
14.29% 13.21%

Operating Engineers Local Union #3 FCU has a net worth of 14.29% versus the BestCashCow average of 13.21. 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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