Royal Oak, MI 48073
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Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.75% 1.05% →
2-Year CD 1.00% 1.11% →
5-Year CD 1.51% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Our is an NCUA insured institution located in Royal Oak, MI. It was founded in 1959 and has approximately $278.19 millions in assets.

Who can join?

Any person who lives, works, worships or attends school in Oakland or Macomb County, MI is eligible to join OUR Credit Union.

NCUA Insured Yes
Charter Number # # 62028
Date Established 1959
Assets $278.19 million
Loans $186.93 million
Deposits $249.88 million
Capital $26.55 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Macomb or Oakland Counties in Michigan.

Deposit Rates - August 10, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.15% $10,000 $14,999 Learn More
36 Mo CD
1.15% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More

Loan Rates - August 10, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for OUR

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
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to OUR
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Below are Our 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:

Our Locations

Financial Details

Our Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Our. 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
Our U.S. Average
3.68% 6.71

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 March 30, 2020, Our had $1,040,703 in non-current loans and $12,011 in owned assets. To cover these potential losses it had $26,554,222 in net worth and $2,032,561 in loans loss reserves. That gives it a Texas Ratio of 3.68%.

Net Worth
Our U.S. Average
9.54% 13.61%

Our FCU has a net worth of 9.54% versus the BestCashCow average of 13.61. 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 Our

Branches and Savings

What is Our?

A federal credit union, registered with the NCUA under certificate #62028.
Learn more about credit unions here.

Is Our 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 Our?

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

What are Our's share account and share certificate rates?

Our'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 Our?

Our has total capital of $26.55 million. Full information on Our's financial position is located above.

Who owns Our?

Credit Unions are owned by their members.

Where are Our branches located?

See branch locations nearby.

Are Our ATMs Open 24/7?

Do Our ATMs accept cash deposits?

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

Does Our have a mobile app?

Does Our have mobile deposit?

Does Our have quick pay?

How can Our transfer money to other banks or credit unions?

Does Our report to credit bureaus?

Does Our use Chexsystems?

Does Our use Equifax?

What is Our's toll free phone number?

What is Our's ACH Routing Number?

What is Our's SWIFT code?

Where can I find Our's wire transfer form?

What is the Our address for deposits?

What Products Does Our Offer

Does Our offer mortgages?

Compare mortgage rates here.

Does Our offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Our offer auto and RV loans?

Compare auto loan rates here.

Does Our offer student loans or personal loans?

Compare personal loan rates here.

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