Omni Community Credit Union
Headquarters
Po Box 1537
Battle Creek, MI 49016
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2024 Overview
General Credit Union Information
Omni Community is an NCUA insured institution located in Battle Creek, MI. It was founded in 1952 and has approximately $587.56 millions in assets.
Who can join?
To open an account at OMNI Community Credit Union, you must live, work, worship or attend school in the following Michigan counties:
Allegan, Berrien, Barry, Branch, Calhoun, Cass, Eaton, Kalamazoo, St. Joseph, Van Buren
You can also join if you live outside the area and have an immediate family member who is already a member.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60105 |
| Date Established | 1952 |
| Assets | $587.56 million |
| Loans | $327.10 million |
| Deposits | $492.65 million |
| Capital | $91.01 million |
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Allegan, Berrien, Barry, Calhoun, Branch, Cass, Eaton, Ionia, Jackson, Kalamazoo, Kent, Muskegon, Ottawa, St Joseph and Van Buren Counties in Michigan.
Deposit Rates - November 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.88% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 22, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Omni Community
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 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.953% | 6.875% | 0.63 | $2,534 | $2,103 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
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 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Omni Community
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Omni Community 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
Omni Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 181.08 | A | View Lobby Hours | |
| 195.89 | B | View Lobby Hours | |
| 196.86 | C | View Lobby Hours | |
| 201.08 | D | View Lobby Hours | |
| 202.85 | E | View Lobby Hours | |
| 203.71 | F | View Lobby Hours | |
| 215.03 | G | View Lobby Hours |
Climate Policy and Initiatives
OMNI COMMUNITY 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
Omni Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Omni Community. 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
| Omni Community | U.S. Average |
|---|---|
| 7.93% | 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, Omni Community had $6,992,397 in non-current loans and $423,040 in owned assets. To cover these potential losses it had $91,008,156 in net worth and $2,555,004 in loans loss reserves. That gives it a Texas Ratio of 7.93%.
Net Worth
| Omni Community | U.S. Average |
|---|---|
| 15.43% | 13.93% |
Omni Community FCU has a net worth of 15.43% 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 Omni Community
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