Electro Savings Credit Union

logo for ELECTRO SAVINGS
Headquarters

1805 Craigshire Rd
Saint Louis, MO 63146
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Notable Rates APY Vs.Others
Savings 0.70% 5.50% →
1-Year CD 3.45% 4.80% →
2-Year CD 3.65% 4.25% →
5-Year CD 3.75% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Electro Savings is an NCUA insured institution located in Saint Louis, MO. It was founded in 1941 and has approximately $205.79 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 62590
Date Established 1941
Assets $205.79 million
Loans $154.44 million
Deposits $191.50 million
Capital $11.97 million
 

Field of Membership Restrictions

Electro Savings Credit Union of Missouri is open to the businesses, residents, and people maintaining employment in these Missouri Counties: St. Louis, St. Charles, Franklin, and Jefferson as well as the city of St. Louis and these Illinois Counties: Jersey, Madison, St. Clair, and Monroe.

Deposit Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.70% $0 $25,000 Learn More
Super Saver Savings
0.50% $1 $7,500 Learn More
Money Market
0.40% $10,000 $24,999 Learn More
Money Market
1.25% $25,000 - Learn More
Money Market
3.00% $200,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
2.00% $1,000 $99,999 Learn More
7 Month CD Special
4.25% $1,000 $99,999 Learn More
7 Month CD Special Jumbo
4.25% $100,000 - Learn More
12 Mo CD
3.35% $1,000 $999,999 Learn More
12 Mo CD
3.45% $100,000 - Learn More
24 Mo CD
3.50% $1,000 $999,999 Learn More
24 Mo CD
3.65% $100,000 - Learn More
36 Mo CD
3.75% $1,000 $999,999 Learn More
36 Mo CD
3.95% $100,000 - Learn More
60 Mo CD
3.75% $1,000 $99,999 Learn More
60 Mo CD
3.75% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
VIRA
1.25% $1 - Learn MoreShow Less

Loan Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Electro Savings

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
Midwest Mortgage Lending
NMLS ID: 2262032
License#: RM.804810.000
6.368% 6.250% 0.75 $4,000 $1,971 Learn More
District Lending
NMLS ID: 1835285
6.380% 6.250% 0.88 $4,400 $1,971 Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.482% 6.375% 0.75 $3,610 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.984% 6.875% 0.88 $3,545 $2,103 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to Electro Savings
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Branches

Below are Electro Savings 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



Climate Policy and Initiatives

ELECTRO SAVINGS 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

Electro Savings Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Electro Savings. 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
Electro Savings U.S. Average
30.49% 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, Electro Savings had $4,093,846 in non-current loans and $674,369 in owned assets. To cover these potential losses it had $11,974,139 in net worth and $3,665,794 in loans loss reserves. That gives it a Texas Ratio of 30.49%.

Net Worth
Electro Savings U.S. Average
5.82% 13.93%

Electro Savings FCU has a net worth of 5.82% 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 Electro Savings

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*All images, logos and public notes on this page appear courtesy of ELECTRO SAVINGS and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.