P. O. BOX 18303
Louisville, KY 40261
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.15% 1.01% →
2-Year CD 0.25% 0.95% →
5-Year CD 0.75% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Transcend is an NCUA insured institution located in Louisville, KY. It was founded in 1934 and has approximately $458.69 millions in assets.

NCUA Insured Yes
Charter Number # # 68666
Date Established 1934
Assets $458.69 million
Loans $291.79 million
Deposits $385.09 million
Capital $53.51 million

Field of Membership Restrictions

Membership is open to those who live, works, volunteers, attends school or worships in Anderson, Bourbon, Bullitt, Boyle, Daviess, Clark, Madison, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Lincoln, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, Jessamine, and Woodford Counties in Kentucky.

Deposit Rates - October 23, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
Premium Money Market Account
0.50% $25,000 $34,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.15% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
36 Mo CD
0.35% $10,000 $14,999 Learn More
36 Mo CD
0.35% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less

Loan Rates - October 23, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for TRANSCEND

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: MC-3098
2.570% 2.500% 0.88 $2,312 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

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

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Below are Transcend 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:

Transcend Locations

Financial Details

Transcend Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Transcend. 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
Transcend U.S. Average
2.06% 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, Transcend had $1,122,400 in non-current loans and $0 in owned assets. To cover these potential losses it had $53,514,937 in net worth and $1,009,594 in loans loss reserves. That gives it a Texas Ratio of 2.06%.

Net Worth
Transcend U.S. Average
11.66% 13.61%

Transcend FCU has a net worth of 11.66% 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 Transcend

Branches and Savings

What is Transcend?

A federal credit union, registered with the NCUA under certificate #68666.
Learn more about credit unions here.

Is Transcend 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 Transcend?

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

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

Transcend'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 Transcend?

Transcend has total capital of $53.51 million. Full information on Transcend's financial position is located above.

Who owns Transcend?

Credit Unions are owned by their members.

Where are Transcend branches located?

See branch locations nearby.

Are Transcend ATMs Open 24/7?

Do Transcend ATMs accept cash deposits?

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

Does Transcend have a mobile app?

Does Transcend have mobile deposit?

Does Transcend have quick pay?

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

Does Transcend report to credit bureaus?

Does Transcend use Chexsystems?

Does Transcend use Equifax?

What is Transcend's toll free phone number?

What is Transcend's ACH Routing Number?

What is Transcend's SWIFT code?

Where can I find Transcend's wire transfer form?

What is the Transcend address for deposits?

What Products Does Transcend Offer

Does Transcend offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Transcend offer auto and RV loans?

Compare auto loan rates here.

Does Transcend offer student loans or personal loans?

Compare personal loan rates here.

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