THE FOCUS

Headquarters

420 NE 10TH ST
Oklahoma City, OK 73104
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.91% →
1-Year CD 0.85% 0.85% →
2-Year CD 1.00% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

The Focus is an NCUA insured institution located in Oklahoma City, OK. It was founded in 1955 and has approximately $115.16 millions in assets.

NCUA Insured Yes
Charter Number # # 10283
Date Established 1955
Assets $115.16 million
Loans $92.16 million
Deposits $104.56 million
Capital $9.70 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain and Grady Counties.

Deposit Rates - December 1, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.70% $10,000 $14,999 Learn More
6 Mo CD
0.70% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.16% $10,000 $14,999 Learn More
36 Mo CD
1.16% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More

Loan Rates - December 1, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for THE FOCUS

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



Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Hart West Financial Inc.
NMLS ID: 116830
2.302% 2.250% 0.75 $1,745 $956 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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


 

Branches

Below are The Focus 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:
Seattle,Washington


The Focus Locations


Financial Details

The Focus Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Focus. 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
The Focus U.S. Average
11.78% 6.71

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 30, 2020, The Focus had $1,047,201 in non-current loans and $162,543 in owned assets. To cover these potential losses it had $9,700,401 in net worth and $569,839 in loans loss reserves. That gives it a Texas Ratio of 11.78%.

Net Worth
The Focus U.S. Average
8.42% 13.61%

The Focus FCU has a net worth of 8.42% versus the BestCashCow average of 13.61. 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 The Focus

Branches and Savings

What is The Focus?

A federal credit union, registered with the NCUA under certificate #10283.
Learn more about credit unions here.

Is The Focus 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 The Focus?

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

What are The Focus's share account and share certificate rates?

The Focus'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 The Focus?

The Focus has total capital of $9.70 million. Full information on The Focus's financial position is located above.

Who owns The Focus?

Credit Unions are owned by their members.

Where are The Focus branches located?

See branch locations nearby.

Are The Focus ATMs Open 24/7?

Do The Focus ATMs accept cash deposits?

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

Does The Focus have a mobile app?

Does The Focus have mobile deposit?

Does The Focus have quick pay?

How can The Focus transfer money to other banks or credit unions?

Does The Focus report to credit bureaus?

Does The Focus use Chexsystems?

Does The Focus use Equifax?

What is The Focus's toll free phone number?

What is The Focus's ACH Routing Number?

What is The Focus's SWIFT code?

Where can I find The Focus's wire transfer form?

What is the The Focus address for deposits?

What Products Does The Focus Offer

Does The Focus offer mortgages?

Compare mortgage rates here.

Does The Focus offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Focus offer auto and RV loans?

Compare auto loan rates here.

Does The Focus offer student loans or personal loans?

Compare personal loan rates here.

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