Saint Nicholas


Po Box 1213
Wilkes Barre, PA 18703
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

Saint Nicholas is an NCUA insured institution located in Wilkes Barre, PA. It was founded in 1938 and has approximately $4.43 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2583
Date Established 1938
Assets $4.43 million
Loans $2.33 million
Deposits $3.89 million
Capital $0.54 million

Deposit Rates - September 26, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - September 26, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SAINT NICHOLAS

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.700% 2.625% 1.00 $2,465 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Saint Nicholas Locations

Financial Details

Saint Nicholas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Saint Nicholas. 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
Saint Nicholas U.S. Average
9.12% 4.38

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 31, 2021, Saint Nicholas had $28,874 in non-current loans and $22,000 in owned assets. To cover these potential losses it had $535,370 in net worth and $22,507 in loans loss reserves. That gives it a Texas Ratio of 9.12%.

Net Worth
Saint Nicholas U.S. Average
12.07% 12.20%

Saint Nicholas FCU has a net worth of 12.07% versus the BestCashCow average of 12.20. 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 Saint Nicholas

Branches and Savings

What is Saint Nicholas?

A federal credit union, registered with the NCUA under certificate #2583.
Learn more about credit unions here.

Is Saint Nicholas 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. Saint Nicholas is insured by the NCUA.

Who can join Saint Nicholas?

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

What are Saint Nicholas's share account and share certificate rates?

Saint Nicholas'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 Saint Nicholas?

Saint Nicholas has total capital of $0.54 million. Full information on Saint Nicholas's financial position is located above.

Who owns Saint Nicholas?

Credit Unions are owned by their members.

Where are Saint Nicholas branches located?

See branch locations nearby.

Are Saint Nicholas ATMs Open 24/7?

Do Saint Nicholas ATMs accept cash deposits?

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

Does Saint Nicholas have a mobile app?

Does Saint Nicholas have mobile deposit?

Does Saint Nicholas have quick pay?

How can Saint Nicholas transfer money to other banks or credit unions?

Does Saint Nicholas report to credit bureaus?

Does Saint Nicholas use Chexsystems?

Does Saint Nicholas use Equifax?

What is Saint Nicholas's toll free phone number?

What is Saint Nicholas's ACH Routing Number?

What is Saint Nicholas's SWIFT code?

Where can I find Saint Nicholas's wire transfer form?

What is the Saint Nicholas address for deposits?

What Products Does Saint Nicholas Offer

Does Saint Nicholas offer mortgages?

Compare mortgage rates here.

Does Saint Nicholas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Saint Nicholas offer auto and RV loans?

Compare auto loan rates here.

Does Saint Nicholas offer student loans or personal loans?

Compare personal loan rates here.

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