Area Community Credit Union
Headquarters
2800 S Washington St
Grand Forks, ND 58201
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2024 Overview
General Credit Union Information
Area Community is an NCUA insured institution located in Grand Forks, ND. It was founded in 1964 and has approximately $26.46 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64294 |
| Date Established | 1964 |
| Assets | $26.46 million |
| Loans | $19.33 million |
| Deposits | $20.92 million |
| Capital | $5.30 million |
Deposit Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.26% | $2,500 | $4,999 |
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|
|
Money Market
|
0.21% | $2,500 | $2,999 |
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|
|
Money Market
|
0.34% | $10,000 | $14,999 |
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|
|
Money Market
|
0.42% | $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
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
Loan Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Area Community
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: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
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More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
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More Info |
Note to Area Community
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Branches
Below are Area Community 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
Area Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 924.50 | A | View Lobby Hours |
Climate Policy and Initiatives
AREA COMMUNITY 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
Area Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Area Community. 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
| Area Community | U.S. Average |
|---|---|
| 4.73% | 5.83 |
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 June 30, 2024, Area Community had $246,915 in non-current loans and $14,741 in owned assets. To cover these potential losses it had $5,304,030 in net worth and $222,923 in loans loss reserves. That gives it a Texas Ratio of 4.73%.
Net Worth
| Area Community | U.S. Average |
|---|---|
| 20% | 13.93% |
Area Community FCU has a net worth of 20% versus the BestCashCow average of 13.93. 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 Area Community
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