Spruance Cellophane


7119 Jefferson Davis Hwy
North Chesterfi, VA 23237
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
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

Spruance Cellophane is an NCUA insured institution located in North Chesterfi, VA. It was founded in 1953 and has approximately $5.72 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 60012
Date Established 1953
Assets $5.72 million
Loans $2.41 million
Deposits $5.44 million
Capital $0.28 million

Deposit Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPRUANCE CELLOPHANE

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
Learn More
NMLS ID: 1907
2.808% 2.750% -0.25 $1,875 $1,021 Learn More
NMLS ID: 330511
2.920% 2.875% 0.63 $1,458 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



Below are Spruance Cellophane branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Spruance Cellophane Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spruance Cellophane. 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
Spruance Cellophane U.S. Average
12.91% 4.38

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 March 31, 2021, Spruance Cellophane had $36,672 in non-current loans and $0 in owned assets. To cover these potential losses it had $279,830 in net worth and $4,300 in loans loss reserves. That gives it a Texas Ratio of 12.91%.

Net Worth
Spruance Cellophane U.S. Average
4.89% 12.20%

Spruance Cellophane FCU has a net worth of 4.89% versus the BestCashCow average of 12.20. 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 Spruance Cellophane

Branches and Savings

What is Spruance Cellophane?

A federal credit union, registered with the NCUA under certificate #60012.
Learn more about credit unions here.

Is Spruance Cellophane FDIC insured?

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

Who can join Spruance Cellophane?

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

What are Spruance Cellophane's share account and share certificate rates?

Spruance Cellophane'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 Spruance Cellophane?

Spruance Cellophane has total capital of $0.28 million. Full information on Spruance Cellophane's financial position is located above.

Who owns Spruance Cellophane?

Credit Unions are owned by their members.

Where are Spruance Cellophane branches located?

See branch locations nearby.

Are Spruance Cellophane ATMs Open 24/7?

Do Spruance Cellophane ATMs accept cash deposits?

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

Does Spruance Cellophane have a mobile app?

Does Spruance Cellophane have mobile deposit?

Does Spruance Cellophane have quick pay?

How can Spruance Cellophane transfer money to other banks or credit unions?

Does Spruance Cellophane report to credit bureaus?

Does Spruance Cellophane use Chexsystems?

Does Spruance Cellophane use Equifax?

What is Spruance Cellophane's toll free phone number?

What is Spruance Cellophane's ACH Routing Number?

What is Spruance Cellophane's SWIFT code?

Where can I find Spruance Cellophane's wire transfer form?

What is the Spruance Cellophane address for deposits?

What Products Does Spruance Cellophane Offer

Does Spruance Cellophane offer mortgages?

Compare mortgage rates here.

Does Spruance Cellophane offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spruance Cellophane offer auto and RV loans?

Compare auto loan rates here.

Does Spruance Cellophane offer student loans or personal loans?

Compare personal loan rates here.

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