2024 Overview
General Credit Union Information
Ohio Catholic Fcu is an NCUA insured institution located in Garfield Hts, OH. It was founded in 1954 and has approximately $248.12 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 9208 |
| Date Established | 1954 |
| Assets | $248.12 million |
| Loans | $162.32 million |
| Deposits | $207.95 million |
| Capital | $35.60 million |
Field of Membership Restrictions
Must be an employee, member or student of the Catholic Diocese of Cleveland (includes parishes, schools, services, ministries, organizations or entities located in the counties of Cuyahoga, Ashland, Geauga, Lake, Lorain, Medina, Summit and Wayne).
Deposit Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.01% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12-Months PremiumPlus Membership
|
3.25% | $500 | - |
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|
| 18-Months PremiumPlus Membership
|
3.00% | $500 | - |
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|
| 24-Months PremiumPlus Membership
|
2.50% | $500 | - |
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|
| 36-Months PremiumPlus Membership
|
2.25% | $500 | - |
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|
| 48-Months PremiumPlus Membership
|
2.65% | $500 | - |
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|
| 60-Months PremiumPlus Membership
|
2.65% | $500 | - |
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|
| 72-Months PremiumPlus Membership
|
2.65% | $500 | - |
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|
Loan Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.50% | 3.50% | Varies | |
Compare with 7.24 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 5 Year Loan
See Table |
3.68% | 3.68% | $1,827.25 | |
| 10 Year Loan
See Table |
3.60% | 3.60% | $993.55 | |
| 15 Year Loan
See Table |
3.65% | 3.65% | $722.27 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.99% | 3.99% | $737.99 | |
| 4 Year | 3.99% | 3.99% | $564.36 | |
| 5 Year | 3.99% | 3.99% | $460.30 | |
| 6 Year | 3.99% | 3.99% | $391.02 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.22% | 6.00% | $2,700.34 | |
| 20 Year Fixed Conforming See Amortization Table |
7.49% | 7.49% | $2,575.94 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.22% | 6.00% | $2,700.34 | |
| 20 Year Fixed Conforming See Amortization Table |
7.49% | 7.49% | $2,575.94 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Ohio Catholic Fcu 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
Ohio Catholic Fcu Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 107.21 | A | View Lobby Hours |
Climate Policy and Initiatives
OHIO CATHOLIC 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
Ohio Catholic Fcu Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ohio Catholic Fcu. 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
| Ohio Catholic Fcu | U.S. Average |
|---|---|
| 0.42% | 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, Ohio Catholic Fcu had $70,881 in non-current loans and $84,555 in owned assets. To cover these potential losses it had $35,604,798 in net worth and $1,572,580 in loans loss reserves. That gives it a Texas Ratio of 0.42%.
Net Worth
| Ohio Catholic Fcu | U.S. Average |
|---|---|
| 14.35% | 13.93% |
Ohio Catholic Fcu FCU has a net worth of 14.35% 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.
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