Delta County Federal Credit Union
Headquarters
2600 1st Ave S
Escanaba, MI 49829
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2024 Overview
General Credit Union Information
Delta County is an NCUA insured institution located in Escanaba, MI. It was founded in 1960 and has approximately $140.9 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 62454 |
| Date Established | 1960 |
| Assets | $140.90 million |
| Loans | $82.88 million |
| Deposits | $121.64 million |
| Capital | $18.10 million |
Field of Membership Restrictions
Delta County Credit Union of Michigan is open to the businesses, property owners, residents, church members, registered students, people maintaining employment and retired seniors that are 55+ and receives an income compensation in Delta County. Membership eligibility also extends to include the credit union employees, family members of current credit union members, and any local organizations that are primarily composed of credit union members.
Deposit Rates - November 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.65% | $1 | $499 | Learn More |
Loan Rates - November 22, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Delta County
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 |
6.953% | 6.875% | 0.63 | $2,534 | $2,103 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 3029 |
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 |
Note to Delta County
To upload and update your bank's rates please register.
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Branches
Below are Delta County 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
Delta County Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 454.55 | A | View Lobby Hours | |
| 454.55 | B | View Lobby Hours |
Climate Policy and Initiatives
DELTA COUNTY 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
Delta County Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Delta County. 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
| Delta County | U.S. Average |
|---|---|
| 2.99% | 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, Delta County had $538,336 in non-current loans and $24,564 in owned assets. To cover these potential losses it had $18,097,192 in net worth and $705,015 in loans loss reserves. That gives it a Texas Ratio of 2.99%.
Net Worth
| Delta County | U.S. Average |
|---|---|
| 12.84% | 13.93% |
Delta County FCU has a net worth of 12.84% 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 Delta County
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