Santa Barbara Teachers Federal Credit Union

Headquarters

3970 La Colina Rd
Santa Barbara, CA 93110
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD N.A. 5.50% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.61% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

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 $281.47 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 $281.47 million
Loans $64.87 million
Deposits $250.15 million
Capital $33.48 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 - March 2, 2024

Your Current Location: Virginia, VA 20146

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 MoreShow Less

Loan Rates - March 2, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.553% 6.375% 0.88 $6,000 $1,997 Learn More
MortgageResearch.com
NMLS ID: Not a Lender
Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
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:
Ashburn,Virginia


Santa Barbara Teachers Locations



Climate 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.

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
0.14% 5.37

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 September 30, 2023, Santa Barbara Teachers had $48,066 in non-current loans and $0 in owned assets. To cover these potential losses it had $33,475,708 in net worth and $125,211 in loans loss reserves. That gives it a Texas Ratio of 0.14%.

Net Worth
Santa Barbara Teachers U.S. Average
11.89% 13.46%

Santa Barbara Teachers FCU has a net worth of 11.89% versus the BestCashCow average of 13.46. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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