2024 Overview
General Credit Union Information
C E S is an NCUA insured institution located in Mount Vernon, OH. It was founded in 1952 and has approximately $217.93 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 62352 |
| Date Established | 1952 |
| Assets | $217.93 million |
| Loans | $122.01 million |
| Deposits | $192.95 million |
| Capital | $24.29 million |
Field of Membership Restrictions
CES Credit Union is open to you if you reside, maintain employment, attend church, or you are a registered student in any of these Ohio Counties; Knox, Delaware, Ashland, Richland, or Licking. Membership eligibility also extends to include the employees of select CU-affiliated SEG's as well as the immediate family members of current CU members. For determining your eligibility status, a detailed list of eligible SEG.s can be found on the CES Credit Union website.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.08% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.02% | $2,500 | $3,499 | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for C E S
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: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.955% | 6.875% | 0.63 | $2,594 | $2,103 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 491986 |
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 |
Learn More
More Info |
Note to C E S
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are C E S 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
C E S Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 23.03 | A | View Lobby Hours | |
| 34.57 | B | View Lobby Hours | |
| 40.30 | C | View Lobby Hours | |
| 41.77 | D | View Lobby Hours | |
| 53.85 | E | View Lobby Hours | |
| 60.46 | F | View Lobby Hours |
Climate Policy and Initiatives
C E S 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
C E S Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of C E S. 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
| C E S | U.S. Average |
|---|---|
| 2.41% | 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, C E S had $553,830 in non-current loans and $35,000 in owned assets. To cover these potential losses it had $24,289,826 in net worth and $120,173 in loans loss reserves. That gives it a Texas Ratio of 2.41%.
Net Worth
| C E S | U.S. Average |
|---|---|
| 11.14% | 13.93% |
C E S FCU has a net worth of 11.14% 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 C E S
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