Ouachita Valley Federal Credit Union
Headquarters
P O Box 1477
West Monroe, LA 71294
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2024 Overview
General Credit Union Information
Ouachita Valley is an NCUA insured institution located in West Monroe, LA. It was founded in 1955 and has approximately $370.45 millions in assets.
Who can join?
If you live, work, worship or attend school in the following parishes, you are eligible for membership. The parishes are Ouachita, Lincoln, Jackson, Caldwell, Franklin, Morehouse and Richland.
If you work for a sponsor company, you and your family are eligible for membership.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 10181 |
| Date Established | 1955 |
| Assets | $370.45 million |
| Loans | $264.45 million |
| Deposits | $327.49 million |
| Capital | $46.19 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in the parishes of Ouachita, Lincoln, Jackson, Caldwell, Franklin, Morehouse or Richland.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.41% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.41% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.08% | $2,500 | $3,499 | Learn More |
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Ouachita Valley
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: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.987% | 6.875% | 0.50 | $3,661 | $2,103 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: Not a Lender |
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 Ouachita Valley
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Branches
Below are Ouachita Valley 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
OUACHITA VALLEY 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
Ouachita Valley Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ouachita Valley. 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
| Ouachita Valley | U.S. Average |
|---|---|
| 9.68% | 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, Ouachita Valley had $4,558,856 in non-current loans and $50,583 in owned assets. To cover these potential losses it had $46,194,075 in net worth and $1,426,268 in loans loss reserves. That gives it a Texas Ratio of 9.68%.
Net Worth
| Ouachita Valley | U.S. Average |
|---|---|
| 12.45% | 13.62% |
Ouachita Valley FCU has a net worth of 12.45% 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 Ouachita Valley
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