2024 Overview
General Credit Union Information
Sharefax is an NCUA insured institution located in Cincinnati, OH. It was founded in 1960 and has approximately $504.57 millions in assets.
Who can join?
Anyone who lives or works in Adams, Brown, Butler, Clermont, Clinton, Fayette, Greene, Hamilton, Highland, Montgomery, Preble and Warren Counties is eligible for membership. Immediate family members of a currently existing member of Sharefax is also eligible for membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61090 |
| Date Established | 1960 |
| Assets | $504.57 million |
| Loans | $357.26 million |
| Deposits | $455.24 million |
| Capital | $49.54 million |
Field of Membership Restrictions
Membership is open to those who live or work in Butler, Clermont, Clinton, Fayette, Greene, Hamilton, Highland, Adams, Brown, Montgomery, Preble and Warren Counties in Ohio.
Deposit Rates - April 23, 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 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.23% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.05% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Sharefax
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: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
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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 Sharefax
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Branches
Below are Sharefax 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
SHAREFAX 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
Sharefax Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Sharefax. 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
| Sharefax | U.S. Average |
|---|---|
| 4.44% | 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, Sharefax had $1,976,029 in non-current loans and $252,785 in owned assets. To cover these potential losses it had $49,535,527 in net worth and $668,746 in loans loss reserves. That gives it a Texas Ratio of 4.44%.
Net Worth
| Sharefax | U.S. Average |
|---|---|
| 9.81% | 13.62% |
Sharefax FCU has a net worth of 9.81% 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 Sharefax
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