State College, PA 16803

Notable Rates APY Vs.Others
Savings 0.02% 2.20% →
1-Year CD 0.35% 2.20% →
2-Year CD 0.40% 2.20% →
5-Year CD 1.26% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Spe is an NCUA insured institution located in State College, PA. It was founded in 1978 and has approximately $97.03 millions in assets.

NCUA Insured Yes
Charter Number # # 24187
Date Established 1978
Assets $97.03 million
Loans $61.22 million
Deposits $89.01 million
Capital $7.59 million

Field of Membership Restrictions

Membership in SPE Federal Credit Union is open to those who live, work, worship, volunteer or attend school in Centre and Huntingdon Counties and to their immediate family.

Deposit Rates - February 22, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
0.35% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 - Learn MoreShow Less
12 Mo CD
0.35% $500 - Learn MoreShow Less
24 Mo CD
0.40% $500 - Learn MoreShow Less
36 Mo CD
0.60% $500 - Learn MoreShow Less
48 Mo CD
0.80% $500 - Learn MoreShow Less
60 Mo CD
1.26% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.02% $100 $9,999 Learn MoreShow Less

Loan Rates - February 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SPE

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to SPE
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Spe 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:

Spe Locations

Financial Details

Spe Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spe. 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
Spe U.S. Average
4.28% 5.86

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 June 30, 2019, Spe had $335,361 in non-current loans and $5,175 in owned assets. To cover these potential losses it had $7,594,653 in net worth and $365,179 in loans loss reserves. That gives it a Texas Ratio of 4.28%.

Net Worth
Spe U.S. Average
7.82% 13.65%

Spe FCU has a net worth of 7.82% versus the BestCashCow average of 13.65. 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 Spe

Branches and Savings

What is Spe?

A federal credit union, registered with the NCUA under certificate #24187.
Learn more about credit unions here.

Is Spe FDIC insured?

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

Who can join Spe?

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

What are Spe's share account and share certificate rates?

Spe'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 Spe?

Spe has total capital of $7.59 million. Full information on Spe's financial position is located above.

Who owns Spe?

Credit Unions are owned by their members.

Where are Spe branches located?

See branch locations nearby.

Are Spe ATMs Open 24/7?

Do Spe ATMs accept cash deposits?

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

Does Spe have a mobile app?

Does Spe have mobile deposit?

Does Spe have quick pay?

How can Spe transfer money to other banks or credit unions?

Does Spe report to credit bureaus?

Does Spe use Chexsystems?

Does Spe use Equifax?

What is Spe's toll free phone number?

What is Spe's ACH Routing Number?

What is Spe's SWIFT code?

Where can I find Spe's wire transfer form?

What is the Spe address for deposits?

What Products Does Spe Offer

Does Spe offer mortgages?

Compare mortgage rates here.

Does Spe offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spe offer auto and RV loans?

Compare auto loan rates here.

Does Spe offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Spe

There are currently no comments for Spe. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →