UNITED LOCAL

3650 E Ashlan Ave
Fresno, CA 93726

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60408
Date Established 1953
Assets $110.70 million
Loans $79.31 million
Deposits $90.90 million
Capital $19.39 million

United Local is an NCUA insured institution located in Fresno, CA. It was founded in 1953 and has approximately $110.7 millions in assets.

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 - September 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.20% $2,000 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.20% $100,000 - Learn MoreShow Less
12 Mo CD
0.25% $10,000 $49,999 Learn MoreShow Less
12 Mo CD
0.30% $100,000 - Learn MoreShow Less
18 Mo CD
0.45% $10,000 $49,999 Learn MoreShow Less
18 Mo CD
0.50% $100,000 - Learn MoreShow Less
24 Mo CD
0.55% $10,000 $49,999 Learn MoreShow Less
24 Mo CD
0.60% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.29% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $4,999 Learn MoreShow Less

Loan Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

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



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:
Ashburn,Virginia


United Local Locations


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
3.39% 6.77

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 31, 2019, United Local had $660,028 in non-current loans and $34,992 in owned assets. To cover these potential losses it had $19,388,816 in net worth and $1,138,283 in loans loss reserves. That gives it a Texas Ratio of 3.39%.

Net Worth
United Local U.S. Average
17.51% 13.47%

United Local FCU has a net worth of 17.51% versus the BestCashCow average of 13.47. 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 United Local

Branches and Savings

What is United Local?

A federal credit union, registered with the NCUA under certificate #60408.
Learn more about credit unions here.

Is United Local 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 United Local?

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

What are United Local's share account and share certificate rates?

United Local'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 United Local?

United Local has total capital of $19.39 million. Full information on United Local's financial position is located above.

Who owns United Local?

Credit Unions are owned by their members.

Where are United Local branches located?

See branch locations nearby.

Are United Local ATMs Open 24/7?

Do United Local ATMs accept cash deposits?

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

Does United Local have a mobile app?

Does United Local have mobile deposit?

Does United Local have quick pay?

How can United Local transfer money to other banks or credit unions?

Does United Local report to credit bureaus?

Does United Local use Chexsystems?

Does United Local use Equifax?

What is United Local's toll free phone number?

What is United Local's ACH Routing Number?

What is United Local's SWIFT code?

Where can I find United Local's wire transfer form?

What is the United Local address for deposits?

What Products Does United Local Offer

Does United Local offer mortgages?

Compare mortgage rates here.

Does United Local offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Local offer auto and RV loans?

Compare auto loan rates here.

Does United Local offer student loans or personal loans?

Compare personal loan rates here.

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