Operating Engineers Local Union #3 Federal Credit Union

Headquarters

P O Box 5073
Livermore, CA 94551
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Notable Rates	APY	Vs.Others
Savings	0.05%	4.45% →
1-Year CD	0.95%	4.59% →
2-Year CD	0.85%	4.00% →
5-Year CD	1.10%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Operating Engineers Local Union #3 is an NCUA insured institution located in Livermore, CA. It was founded in 1963 and has approximately $1575.39 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.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 24235
Date Established	1963
Assets	$1,575.39 million
Loans	$836.55 million
Deposits	$1,346.07 million
Capital	$237.39 million

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 - December 17, 2025

Your Current Location: New York, NY 10116

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.25%	$2,500	$2,999	Learn More Reviews
Money Market	0.30%	$10,000	$14,999	Learn More Reviews
Money Market	0.30%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.40%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.65%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.95%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.85%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.45%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.00%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.10%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.08%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 17, 2025

Your Current Location: New York, NY 10116

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 - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.853%	5.750%	0.50	$3,589	$1,868	Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

See More Home Equity Rates →

Note to Operating Engineers Local Union #3
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Branches

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.

Your Location:
New York City,New York

Operating Engineers Local Union #3 Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Hawaii Branch	621.86	A	View Lobby Hours
Utah Branch	2007.49	B	View Lobby Hours
Elko Branch	2214.31	C	View Lobby Hours
Reno Branch	2425.90	D	View Lobby Hours
Fresno Branch	2439.63	E	View Lobby Hours
Auburn Branch	2498.55	F	View Lobby Hours
Modesto Branch	2499.29	G	View Lobby Hours
Stockton Branch	2511.16	H	View Lobby Hours
Sacramento 50 Branch	2513.25	I	View Lobby Hours
West Stockton Branch	2515.14	J	View Lobby Hours
Sacramento 80 Branch	2520.10	K	View Lobby Hours
Yuba City Branch	2526.63	L	View Lobby Hours
Morgan Hill Branch	2537.61	M	View Lobby Hours
Admin Offices	2542.05	N	View Lobby Hours
Dublin Branch	2548.49	O	View Lobby Hours
San Jose Branch	2549.05	P	View Lobby Hours
Fairfield Branch	2553.64	Q	View Lobby Hours
Redding Branch	2559.78	R	View Lobby Hours
Alameda Branch	2564.73	S	View Lobby Hours
Burlingame Branch	2572.18	T	View Lobby Hours
Rohnert Park Branch	2586.28	U	View Lobby Hours
Gladstone Branch	2594.67	V	View Lobby Hours
Martinez Branch	2595.29	W	View Lobby Hours
Eureka Branch	2658.07	X	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

OPERATING ENGINEERS LOCAL UNION #3 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

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
3.06%	5.63

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, 2025, Operating Engineers Local Union #3 had $7,254,828 in non-current loans and $280,083 in owned assets. To cover these potential losses it had $237,393,223 in net worth and $9,170,191 in loans loss reserves. That gives it a Texas Ratio of 3.06%.

Net Worth

Operating Engineers Local Union #3	U.S. Average
15.06%	14.29%

Operating Engineers Local Union #3 FCU has a net worth of 15.06% versus the BestCashCow average of 14.29. 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 Operating Engineers Local Union #3

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