Stephens-franklin Teachers


P. O. Box 697
Toccoa, GA 30577
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
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

Stephens-franklin Teachers is an NCUA insured institution located in Toccoa, GA. It was founded in 1960 and has approximately $20.13 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13797
Date Established 1960
Assets $20.13 million
Loans $9.83 million
Deposits $15.88 million
Capital $3.95 million

Deposit Rates - April 19, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - April 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for STEPHENS-FRANKLIN TEACHERS

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
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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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

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Financial Details

Stephens-franklin Teachers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Stephens-franklin 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
Stephens-franklin Teachers U.S. Average
3.98% 5.40

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, 2020, Stephens-franklin Teachers had $159,065 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,950,427 in net worth and $43,953 in loans loss reserves. That gives it a Texas Ratio of 3.98%.

Net Worth
Stephens-franklin Teachers U.S. Average
19.62% 12.67%

Stephens-franklin Teachers FCU has a net worth of 19.62% versus the BestCashCow average of 12.67. 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 Stephens-franklin Teachers

Branches and Savings

What is Stephens-franklin Teachers?

A federal credit union, registered with the NCUA under certificate #13797.
Learn more about credit unions here.

Is Stephens-franklin Teachers 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. Stephens-franklin Teachers is insured by the NCUA.

Who can join Stephens-franklin Teachers?

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

What are Stephens-franklin Teachers's share account and share certificate rates?

Stephens-franklin Teachers'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 Stephens-franklin Teachers?

Stephens-franklin Teachers has total capital of $3.95 million. Full information on Stephens-franklin Teachers's financial position is located above.

Who owns Stephens-franklin Teachers?

Credit Unions are owned by their members.

Where are Stephens-franklin Teachers branches located?

See branch locations nearby.

Are Stephens-franklin Teachers ATMs Open 24/7?

Do Stephens-franklin Teachers ATMs accept cash deposits?

Can Stephens-franklin Teachers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Stephens-franklin Teachers have a mobile app?

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Does Stephens-franklin Teachers have quick pay?

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What Products Does Stephens-franklin Teachers Offer

Does Stephens-franklin Teachers offer mortgages?

Compare mortgage rates here.

Does Stephens-franklin Teachers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Stephens-franklin Teachers offer auto and RV loans?

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Does Stephens-franklin Teachers offer student loans or personal loans?

Compare personal loan rates here.

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