Baltimore, MD 212272407
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Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 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

Relay is an NCUA insured institution located in Baltimore, MD. It was founded in 1936 and has approximately $5.07 millions in assets.

NCUA Insured Yes
Charter Number # # 1812
Date Established 1936
Assets $5.07 million
Loans $0.98 million
Deposits $4.33 million
Capital $0.75 million

Deposit Rates - July 13, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Relay

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Loan Rates - July 13, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for RELAY

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.950% 2.875% 1.00 $2,438 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to RELAY
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Relay 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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Relay Locations

Financial Details

Relay Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Relay. 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
Relay U.S. Average
2.57% 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, Relay had $20,744 in non-current loans and $0 in owned assets. To cover these potential losses it had $745,799 in net worth and $60,161 in loans loss reserves. That gives it a Texas Ratio of 2.57%.

Net Worth
Relay U.S. Average
14.7% 13.61%

Relay FCU has a net worth of 14.7% 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 Relay

Branches and Savings

What is Relay?

A federal credit union, registered with the NCUA under certificate #1812.
Learn more about credit unions here.

Is Relay 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 Relay?

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

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

Relay'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 Relay?

Relay has total capital of $0.75 million. Full information on Relay's financial position is located above.

Who owns Relay?

Credit Unions are owned by their members.

Where are Relay branches located?

See branch locations nearby.

Are Relay ATMs Open 24/7?

Do Relay ATMs accept cash deposits?

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

Does Relay have a mobile app?

Does Relay have mobile deposit?

Does Relay have quick pay?

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

Does Relay report to credit bureaus?

Does Relay use Chexsystems?

Does Relay use Equifax?

What is Relay's toll free phone number?

What is Relay's ACH Routing Number?

What is Relay's SWIFT code?

Where can I find Relay's wire transfer form?

What is the Relay address for deposits?

What Products Does Relay Offer

Does Relay offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Relay offer auto and RV loans?

Compare auto loan rates here.

Does Relay offer student loans or personal loans?

Compare personal loan rates here.

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