Union Building Trades Federal Credit Union
Headquarters
Po Box 6270
Parsippany, NJ 07054
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2024 Overview
General Credit Union Information
Union Building Trades is an NCUA insured institution located in Parsippany, NJ. It was founded in 1973 and has approximately $87.68 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 21244 |
| Date Established | 1973 |
| Assets | $87.68 million |
| Loans | $37.31 million |
| Deposits | $74.91 million |
| Capital | $10.74 million |
Field of Membership Restrictions
Membership is open to members of several local trade unions and their family.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.30% | $100,000 | $199,999 |
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|
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Union Building Trades
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Union Building Trades
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Union Building Trades 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:
Columbus,Ohio
Climate Policy and Initiatives
UNION BUILDING TRADES 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
Union Building Trades Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Union Building Trades. 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
| Union Building Trades | U.S. Average |
|---|---|
| 2.31% | 6.97 |
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, 2023, Union Building Trades had $259,212 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,744,705 in net worth and $460,197 in loans loss reserves. That gives it a Texas Ratio of 2.31%.
Net Worth
| Union Building Trades | U.S. Average |
|---|---|
| 12.25% | 13.62% |
Union Building Trades FCU has a net worth of 12.25% versus the BestCashCow average of 13.62. 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 Union Building Trades
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