United 1st Federal Credit Union
Headquarters
162 N Gross Rd
Kingsland, GA 31548
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2024 Overview
General Credit Union Information
United 1st is an NCUA insured institution located in Kingsland, GA. It was founded in 1943 and has approximately $182.8 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4999 |
| Date Established | 1943 |
| Assets | $182.80 million |
| Loans | $111.93 million |
| Deposits | $160.03 million |
| Capital | $20.02 million |
Field of Membership Restrictions
Must be a resident of Camden, Charlton, Dodge, Pierce, Ware, Ben Hill, Wheeler, Wilcox or Telfair County. Also open to employees of St. Marys Railroad and other Select Employee Groups (SEGs).
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
1.06% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.35% | $1 | $499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for United 1st
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 |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.608% | 6.500% | 0.88 | $3,600 | $2,023 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 1907 |
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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 United 1st
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Branches
Below are United 1st 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
UNITED 1ST 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
United 1st Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United 1st. 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
| United 1st | U.S. Average |
|---|---|
| 6.41% | 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, United 1st had $1,027,607 in non-current loans and $330,905 in owned assets. To cover these potential losses it had $20,017,751 in net worth and $1,181,232 in loans loss reserves. That gives it a Texas Ratio of 6.41%.
Net Worth
| United 1st | U.S. Average |
|---|---|
| 10.95% | 13.62% |
United 1st FCU has a net worth of 10.95% 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 United 1st
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