United Local Credit Union
Headquarters
3650 E Ashlan Ave
Fresno, CA 93726
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2024 Overview
General Credit Union Information
United Local is an NCUA insured institution located in Fresno, CA. It was founded in 1953 and has approximately $123.68 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60408 |
| Date Established | 1953 |
| Assets | $123.68 million |
| Loans | $79.43 million |
| Deposits | $101.54 million |
| Capital | $22.42 million |
Field of Membership Restrictions
Membership is open to those who live, worship or work in Fresno or Merced Counties and to members of any local union affiliated with the Central Labor Council in Madera, Fresno, Kings, Tulare, Mariposa and Merced Counties.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,000 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $9,999 |
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|
|
Money Market
|
0.15% | $10,000 | $24,999 |
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|
|
Money Market
|
0.15% | $25,000 | $49,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $49,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | - |
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|
| 12 Mo CD
|
0.25% | $10,000 | $49,999 |
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|
| 12 Mo CD
|
0.30% | $100,000 | - |
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|
| 18 Mo CD
|
0.45% | $10,000 | $49,999 |
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|
| 18 Mo CD
|
0.50% | $100,000 | - |
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|
| 24 Mo CD
|
0.55% | $10,000 | $49,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.29% | $1 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $500 | $4,999 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for United Local
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 |
6.710% | 6.625% | 0.88 | $2,806 | $2,049 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $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 United Local
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Branches
Below are United Local 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 LOCAL 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 Local Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Local. 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 Local | U.S. Average |
|---|---|
| 4.30% | 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 Local had $920,552 in non-current loans and $81,724 in owned assets. To cover these potential losses it had $22,419,114 in net worth and $889,998 in loans loss reserves. That gives it a Texas Ratio of 4.30%.
Net Worth
| United Local | U.S. Average |
|---|---|
| 18.11% | 13.62% |
United Local FCU has a net worth of 18.11% 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 Local
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