Operating Engineers Local Union #3 Federal Credit Union

Headquarters

P O Box 5073
Livermore, CA 94551
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Notable Rates	APY	Vs.Others
Savings	0.05%	5.50% →
1-Year CD	0.95%	4.65% →
2-Year CD	0.85%	4.25% →
5-Year CD	1.10%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Operating Engineers Local Union #3 is an NCUA insured institution located in Livermore, CA. It was founded in 1963 and has approximately $1466.23 millions in assets.

Who can join?

If you or an immediate family member is in one of the OE's associated unions, then you are eligible to join.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 24235
Date Established	1963
Assets	$1,466.23 million
Loans	$860.79 million
Deposits	$1,265.48 million
Capital	$224.58 million

Field of Membership Restrictions

Membership in OE Federal Credit Union is open to the following: (1) employees, miners, and public employees of Operating Engineers Local #3; (2) members of Operating Engineers Local Union #9,Operating Engineers Local Union #428, Napa Solano Building Trades Council, Laborers' Local 294, Iron Workers Local Union #27, and over 100 other trade unions; (2) employees of American Diversified Pharmacies, Inc, United Workers for Local Government, Consolidated Engineering Laboratories, and over 50 Signatory or Affiliated Groups.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.25%	$2,500	$2,999	Learn More Reviews
Money Market	0.30%	$10,000	$14,999	Learn More Reviews
Money Market	0.30%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.40%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.65%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.95%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.85%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.45%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.00%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.10%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.08%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Operating Engineers Local Union #3

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: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875%	1.00	$5,195	$2,103	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More

See More Mortgage Rates →

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
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. 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 funding timeline assumes closing the loan with our remote online notary. 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. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) 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. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Operating Engineers Local Union #3
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Branches

Below are Operating Engineers Local Union #3 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

Operating Engineers Local Union #3 Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Hawaii Branch	253.40	A	View Lobby Hours
Utah Branch	1531.44	B	View Lobby Hours
Elko Branch	1738.73	C	View Lobby Hours
Reno Branch	1948.11	D	View Lobby Hours
Fresno Branch	1960.19	E	View Lobby Hours
Modesto Branch	2020.03	F	View Lobby Hours
Auburn Branch	2020.16	G	View Lobby Hours
Stockton Branch	2032.05	H	View Lobby Hours
Sacramento 50 Branch	2034.54	I	View Lobby Hours
West Stockton Branch	2036.04	J	View Lobby Hours
Sacramento 80 Branch	2041.45	K	View Lobby Hours
Yuba City Branch	2048.44	L	View Lobby Hours
Morgan Hill Branch	2058.21	M	View Lobby Hours
Admin Offices	2062.82	N	View Lobby Hours
Dublin Branch	2069.27	O	View Lobby Hours
San Jose Branch	2069.71	P	View Lobby Hours
Fairfield Branch	2074.71	Q	View Lobby Hours
Redding Branch	2083.52	R	View Lobby Hours
Alameda Branch	2085.53	S	View Lobby Hours
Burlingame Branch	2092.93	T	View Lobby Hours
Rohnert Park Branch	2107.45	U	View Lobby Hours
Martinez Branch	2122.71	V	View Lobby Hours
Gladstone Branch	2131.10	W	View Lobby Hours
Eureka Branch	2182.22	X	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

OPERATING ENGINEERS LOCAL UNION #3 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

Operating Engineers Local Union #3 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Operating Engineers Local Union #3. 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

Operating Engineers Local Union #3	U.S. Average
4.13%	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, Operating Engineers Local Union #3 had $9,334,737 in non-current loans and $314,389 in owned assets. To cover these potential losses it had $224,576,210 in net worth and $9,170,191 in loans loss reserves. That gives it a Texas Ratio of 4.13%.

Net Worth

Operating Engineers Local Union #3	U.S. Average
15.31%	13.93%

Operating Engineers Local Union #3 FCU has a net worth of 15.31% 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 Operating Engineers Local Union #3

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