I.b.e.w. - Local No. 5 Federal Credit Union

Headquarters

5 Hot Metal Street, Suite 201
Pittsburgh, PA 15203
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.00% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

I.b.e.w. - Local No. 5 is an NCUA insured institution located in Pittsburgh, PA. It was founded in 1974 and has approximately $13.63 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 21782
Date Established	1974
Assets	$13.63 million
Loans	$7.49 million
Deposits	$11.53 million
Capital	$2.09 million

Deposit Rates - December 13, 2025

Your Current Location: Texas, TX 10007

We do not yet have rates for I.b.e.w. - Local No. 5

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

Back to I.b.e.w. - Local No. 5

Note to I.b.e.w. - Local No. 5
To upload and update your credit union's rates please register. It is free to register and add rates.

Advertiser Disclosure

Loan Rates - December 13, 2025

Your Current Location: Texas, TX 10007

There are currently no loan rates available for I.b.e.w. - Local No. 5

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Texas 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1835285	5.749%	5.625%	0.88	$4,362	$1,843	Learn More
NMLS ID: 292473	5.872%	5.750%	0.75	$4,277	$1,868	Learn More
NMLS ID: 2059741	5.929%	5.875%	0.63	$1,859	$1,893	Learn More

See More Mortgage Rates →

Featured - Texas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600

See More Home Equity Rates →

Note to I.b.e.w. - Local No. 5
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are I.b.e.w. - Local No. 5 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:
Carrollton,Texas

I.b.e.w. - Local No. 5 Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
main office	1034.92	A	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

I.B.E.W. - LOCAL NO. 5 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Add Your Review

or use your Google account

or use your BestCashCow account

Financial Details

I.b.e.w. - Local No. 5 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of I.b.e.w. - Local No. 5. 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

I.b.e.w. - Local No. 5	U.S. Average
2.34%	5.63

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, 2025, I.b.e.w. - Local No. 5 had $48,960 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,089,045 in net worth and $1,214 in loans loss reserves. That gives it a Texas Ratio of 2.34%.

Net Worth

I.b.e.w. - Local No. 5	U.S. Average
15.32%	14.29%

I.b.e.w. - Local No. 5 FCU has a net worth of 15.32% versus the BestCashCow average of 14.29. 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 I.b.e.w. - Local No. 5

There are currently no comments for I.B.E.W. - LOCAL NO. 5. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

or use your Google account

or use your BestCashCow account