Richmond Community


P.o. Box 15
Gracewood, GA 30812
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Richmond Community is an NCUA insured institution located in Gracewood, GA. It was founded in 1961 and has approximately $18.53 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 14578
Date Established 1961
Assets $18.53 million
Loans $6.22 million
Deposits $17.02 million
Capital $1.45 million

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

We do not yet have rates for Richmond Community

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Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for RICHMOND COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
IHL Direct
NMLS ID: 257476
2.884% 2.750% 0.75 $4,368 $1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Below are Richmond Community 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:
San Diego,California

Richmond Community Locations

Financial Details

Richmond Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Richmond Community. 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
Richmond Community U.S. Average
4.93% 5.40

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, 2020, Richmond Community had $22,738 in non-current loans and $50,000 in owned assets. To cover these potential losses it had $1,448,870 in net worth and $25,651 in loans loss reserves. That gives it a Texas Ratio of 4.93%.

Net Worth
Richmond Community U.S. Average
7.81% 12.67%

Richmond Community FCU has a net worth of 7.81% versus the BestCashCow average of 12.67. 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 Richmond Community

Branches and Savings

What is Richmond Community?

A federal credit union, registered with the NCUA under certificate #14578.
Learn more about credit unions here.

Is Richmond Community FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Richmond Community is insured by the NCUA.

Who can join Richmond Community?

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

What are Richmond Community's share account and share certificate rates?

Richmond Community'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 Richmond Community?

Richmond Community has total capital of $1.45 million. Full information on Richmond Community's financial position is located above.

Who owns Richmond Community?

Credit Unions are owned by their members.

Where are Richmond Community branches located?

See branch locations nearby.

Are Richmond Community ATMs Open 24/7?

Do Richmond Community ATMs accept cash deposits?

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

Does Richmond Community have a mobile app?

Does Richmond Community have mobile deposit?

Does Richmond Community have quick pay?

How can Richmond Community transfer money to other banks or credit unions?

Does Richmond Community report to credit bureaus?

Does Richmond Community use Chexsystems?

Does Richmond Community use Equifax?

What is Richmond Community's toll free phone number?

What is Richmond Community's ACH Routing Number?

What is Richmond Community's SWIFT code?

Where can I find Richmond Community's wire transfer form?

What is the Richmond Community address for deposits?

What Products Does Richmond Community Offer

Does Richmond Community offer mortgages?

Compare mortgage rates here.

Does Richmond Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Richmond Community offer auto and RV loans?

Compare auto loan rates here.

Does Richmond Community offer student loans or personal loans?

Compare personal loan rates here.

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