Enrichment Federal Credit Union
Headquarters
P O Box 883
Oak Ridge, TN 37831
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2024 Overview
General Credit Union Information
Enrichment is an NCUA insured institution located in Oak Ridge, TN. It was founded in 1950 and has approximately $873.71 millions in assets.
Who can join?
Enrichment Federal Credit Union serves the Anderson, Knox, Loudon, Blount, Union, Roane, Scott, and Claiborne County communities; anyone who lives, works, worships or attends school in any of these counties is eligible for low cost credit union financial services from Enrichment.
If you are a family member to someone eligible to join, then you are also eligible.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6778 |
| Date Established | 1950 |
| Assets | $873.71 million |
| Loans | $656.97 million |
| Deposits | $776.20 million |
| Capital | $93.66 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in Anderson, Knox, Loudon, Blount, Union, Roane, Scott, and Claiborne County communities.
Deposit Rates - November 14, 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
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.01% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Enrichment
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: 1429043 License#: RM.804500.000 |
6.391% | 6.250% | 0.50 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 2890 License#: MBMB.850089.000 |
6.618% | 6.500% | 0.88 | $3,949 | $2,023 | Learn More |
NMLS ID: 401822 |
6.692% | 6.500% | 1.00 | $6,400 | $2,023 | 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 |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Enrichment
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Enrichment 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
Enrichment Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 245.49 | A | View Lobby Hours | |
| 272.05 | B | View Lobby Hours | |
| 274.65 | C | View Lobby Hours | |
| 278.15 | D | View Lobby Hours | |
| 281.24 | E | View Lobby Hours | |
| 285.74 | F | View Lobby Hours | |
| 288.73 | G | View Lobby Hours | |
| 294.25 | H | View Lobby Hours | |
| 294.30 | I | View Lobby Hours |
Climate Policy and Initiatives
ENRICHMENT 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
Enrichment Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Enrichment. 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
| Enrichment | U.S. Average |
|---|---|
| 1.95% | 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, Enrichment had $1,638,535 in non-current loans and $202,411 in owned assets. To cover these potential losses it had $93,655,311 in net worth and $512,969 in loans loss reserves. That gives it a Texas Ratio of 1.95%.
Net Worth
| Enrichment | U.S. Average |
|---|---|
| 10.71% | 13.93% |
Enrichment FCU has a net worth of 10.71% 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 Enrichment
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