2024 Overview
General Credit Union Information
Commonwealth is an NCUA insured institution located in Frankfort, KY. It was founded in 1951 and has approximately $2268.16 millions in assets.
Who can join?
Commonwealth CU serves people who are:
Members of the Kentucky Employees Retirement System
Members of the Teachers Retirement System
Members of the County Employees Retirement System
Members of the State Police Retirement System
Employees of the Commonwealth of Kentucky
Employees of any city or county governments
Family of a member
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61437 |
| Date Established | 1951 |
| Assets | $2,268.16 million |
| Loans | $1,731.08 million |
| Deposits | $1,951.27 million |
| Capital | $270.36 million |
Field of Membership Restrictions
Membership in Commonwealth Credit Union is open to those who live, work, volunteer, worship or attend school in Anderson, Bourbon, Boyle, Bullitt, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, or Woodford Counties in Kentucky.
Deposit Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.35% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.40% | $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
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Commonwealth
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: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $2,183 | 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 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Commonwealth
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Commonwealth 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
Commonwealth Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 144.55 | A | View Lobby Hours | |
| 153.01 | B | View Lobby Hours | |
| 156.75 | C | View Lobby Hours | |
| 157.14 | D | View Lobby Hours | |
| 158.32 | E | View Lobby Hours | |
| 159.72 | F | View Lobby Hours | |
| 167.99 | G | View Lobby Hours | |
| 183.94 | H | View Lobby Hours | |
| 1024.43 | I | View Lobby Hours |
Climate Policy and Initiatives
COMMONWEALTH 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
Commonwealth Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Commonwealth. 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
| Commonwealth | U.S. Average |
|---|---|
| 3.78% | 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, Commonwealth had $10,442,151 in non-current loans and $252,979 in owned assets. To cover these potential losses it had $270,360,488 in net worth and $12,882,007 in loans loss reserves. That gives it a Texas Ratio of 3.78%.
Net Worth
| Commonwealth | U.S. Average |
|---|---|
| 11.9% | 13.93% |
Commonwealth FCU has a net worth of 11.9% 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 Commonwealth
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