Sycamore Federal Credit Union

Headquarters

18070 Al Highway 21
Talladega, AL 35160
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Notable Rates	APY	Vs.Others
Savings	1.45%	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Sycamore is an NCUA insured institution located in Talladega, AL. It was founded in 1945 and has approximately $62.58 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 5241
Date Established	1945
Assets	$62.58 million
Loans	$46.32 million
Deposits	$51.43 million
Capital	$10.82 million

Deposit Rates - July 31, 2025

Your Current Location: Texas, TX 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	1.45%	$2,500	$4,999	Learn More Reviews

Loan Rates - July 31, 2025

Your Current Location: Texas, TX 10007

There are currently no loan rates available for Sycamore

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Texas 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1945532	6.174%	6.000%	0.88	$6,000	$1,919	Learn More
NMLS ID: 2578474	6.319%	6.250%	0.38	$2,330	$1,971	Learn More
NMLS ID: 1835285	6.321%	6.250%	0.75	$2,400	$1,971	Learn More
NMLS ID: 2473786	6.493%	6.375%	0.88	$3,978	$1,997	Learn More

See More Mortgage Rates →

Featured - Texas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 10.375 % After Intro: 10.375 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Sycamore
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Branches

Below are Sycamore 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:
Amarillo,Texas

Sycamore Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Sycamore FCU	839.09	A	View Lobby Hours

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Climate Policy and Initiatives

SYCAMORE 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

Sycamore Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sycamore. 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

Sycamore	U.S. Average
4.97%	6.86

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 March 31, 2025, Sycamore had $509,595 in non-current loans and $34,229 in owned assets. To cover these potential losses it had $10,819,842 in net worth and $131,420 in loans loss reserves. That gives it a Texas Ratio of 4.97%.

Net Worth

Sycamore	U.S. Average
17.29%	14.12%

Sycamore FCU has a net worth of 17.29% versus the BestCashCow average of 14.12. 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 Sycamore

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