Encompass Federal Credit Union
Headquarters
221 N Main St
Tipton, IN 46072
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2024 Overview
General Credit Union Information
Encompass is an NCUA insured institution located in Tipton, IN. It was founded in 1953 and has approximately $271.63 millions in assets.
Who can join?
Membership in Encompass Credit Union is open to anyone who lives, works, worships, or attends school in Tipton or Clinton County, Indiana. A person who has an immediate family member who is either a member or eligible to be a member may also join. Immediate family includes spouse, children, siblings, parent, grandparent, and grandchildren. Step, adoptive, and in-law relationships of the same are also included. Businesses and organizations can join as well.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 8548 |
| Date Established | 1953 |
| Assets | $271.63 million |
| Loans | $222.01 million |
| Deposits | $234.10 million |
| Capital | $21.18 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, or attend school in Tipton or Clinton County, Indiana. Membership is also open to immediate family of current and eligible members.
Deposit Rates - November 15, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $500 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $500 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
1.00% | $500 | $14,999 |
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|
| 18 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.25% | $500 | $14,999 |
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|
| 24 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.51% | $500 | $14,999 |
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|
| 36 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.51% | $500 | $14,999 |
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|
| 48 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.51% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
2.02% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.25% | $1 | $99 | Learn More |
| Int Ckg
|
0.25% | $2,500 | $3,499 | Learn More |
Loan Rates - November 15, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Encompass
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 |
6.584% | 6.500% | 0.50 | $2,810 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: Not a Lender |
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 Encompass
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Branches
Below are Encompass 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
Encompass Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 152.17 | A | View Lobby Hours | |
| 162.76 | B | View Lobby Hours | |
| 186.25 | C | View Lobby Hours | |
| 189.20 | D | View Lobby Hours |
Climate Policy and Initiatives
ENCOMPASS 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
Encompass Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Encompass. 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
| Encompass | U.S. Average |
|---|---|
| 14.55% | 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, Encompass had $3,525,535 in non-current loans and $14,886 in owned assets. To cover these potential losses it had $21,179,471 in net worth and $3,152,189 in loans loss reserves. That gives it a Texas Ratio of 14.55%.
Net Worth
| Encompass | U.S. Average |
|---|---|
| 7.77% | 13.93% |
Encompass FCU has a net worth of 7.77% 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 Encompass
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