Santa Barbara Teachers Federal Credit Union
Headquarters
3970 La Colina Rd
Santa Barbara, CA 93110
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2024 Overview
General Credit Union Information
Santa Barbara Teachers is an NCUA insured institution located in Santa Barbara, CA. It was founded in 1937 and has approximately $280.4 millions in assets.
Who can join?
Membership is open to all public school district employees in Santa Barbara County. Also eligible are employees of approved independent schools. After becoming a member, your family members may join; (grandparents, parents, husband, wife, brothers, sisters, children and grandchildren.)
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 1909 |
| Date Established | 1937 |
| Assets | $280.40 million |
| Loans | $64.25 million |
| Deposits | $246.80 million |
| Capital | $34.42 million |
Field of Membership Restrictions
Membership is open to all public school district employees in Santa Barbara County. Also eligible are employees of approved independent schools. After becoming a member, your family members may join; (grandparents, parents, husband, wife, brothers, sisters, children and grandchildren.)
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
Learn More
|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Santa Barbara Teachers
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: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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 Santa Barbara Teachers
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Branches
Below are Santa Barbara Teachers 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
SANTA BARBARA TEACHERS 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
Santa Barbara Teachers Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Santa Barbara Teachers. 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
| Santa Barbara Teachers | U.S. Average |
|---|---|
| 0.18% | 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, Santa Barbara Teachers had $63,691 in non-current loans and $0 in owned assets. To cover these potential losses it had $34,422,123 in net worth and $125,211 in loans loss reserves. That gives it a Texas Ratio of 0.18%.
Net Worth
| Santa Barbara Teachers | U.S. Average |
|---|---|
| 12.28% | 13.62% |
Santa Barbara Teachers FCU has a net worth of 12.28% 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 Santa Barbara Teachers
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