SPELC

Headquarters

317 W 18TH ST
Lake Charles, LA 70601
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
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

Spelc is an NCUA insured institution located in Lake Charles, LA. It was founded in 1956 and has approximately $12.73 millions in assets.

NCUA Insured Yes
Charter Number # # 11203
Date Established 1956
Assets $12.73 million
Loans $6.26 million
Deposits $11.73 million
Capital $0.97 million
 

Deposit Rates - January 20, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Spelc

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Advertiser Disclosure

Loan Rates - January 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPELC

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
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.480% 2.375% 1.00 $3,500 $972 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.561% 2.500% 0.75 $2,005 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

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


 

Branches

Below are Spelc 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:
Fairfield,Connecticut


Financial Details

Spelc Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spelc. 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
Spelc U.S. Average
2.43% 4.42

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, 2020, Spelc had $24,046 in non-current loans and $0 in owned assets. To cover these potential losses it had $974,538 in net worth and $16,429 in loans loss reserves. That gives it a Texas Ratio of 2.43%.

Net Worth
Spelc U.S. Average
7.65% 12.91%

Spelc FCU has a net worth of 7.65% versus the BestCashCow average of 12.91. 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 Spelc

Branches and Savings

What is Spelc?

A federal credit union, registered with the NCUA under certificate #11203.
Learn more about credit unions here.

Is Spelc 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 Spelc?

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

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

Spelc'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 Spelc?

Spelc has total capital of $0.97 million. Full information on Spelc's financial position is located above.

Who owns Spelc?

Credit Unions are owned by their members.

Where are Spelc branches located?

See branch locations nearby.

Are Spelc ATMs Open 24/7?

Do Spelc ATMs accept cash deposits?

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

Does Spelc have a mobile app?

Does Spelc have mobile deposit?

Does Spelc have quick pay?

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

Does Spelc report to credit bureaus?

Does Spelc use Chexsystems?

Does Spelc use Equifax?

What is Spelc's toll free phone number?

What is Spelc's ACH Routing Number?

What is Spelc's SWIFT code?

Where can I find Spelc's wire transfer form?

What is the Spelc address for deposits?

What Products Does Spelc Offer

Does Spelc offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Spelc offer auto and RV loans?

Compare auto loan rates here.

Does Spelc offer student loans or personal loans?

Compare personal loan rates here.

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