2024 Overview
General Credit Union Information
Sacramento is an NCUA insured institution located in Sacramento, CA. It was founded in 1935 and has approximately $825.98 millions in assets.
Who can join?
Any and all persons who live or regularly work in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo and Yuba Counties, California, as well as any and all businesses, corporations, and/or other legal entities in the aforementioned counties are eligible to join.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 62641 |
| Date Established | 1935 |
| Assets | $825.98 million |
| Loans | $410.93 million |
| Deposits | $620.82 million |
| Capital | $105.92 million |
Field of Membership Restrictions
Membership is open to anyone who lives or regularly works in Sacramento, El Dorado, Placer, Sutter, Yolo, Solano, or Yuba Counties in California. Also eligible are any businesses corporations or legal entities in those counties.
Deposit Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.07% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.06% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.41% | $100,000 | $199,999 |
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|
Loan Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Sacramento
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 |
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 |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Sacramento
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Sacramento 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
Sacramento Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 423.78 | A | View Lobby Hours | |
| 2029.92 | B | View Lobby Hours | |
| 2034.23 | C | View Lobby Hours | |
| 2037.06 | D | View Lobby Hours | |
| 2037.92 | E | View Lobby Hours | |
| 2039.02 | F | View Lobby Hours | |
| 2042.52 | G | View Lobby Hours |
Climate Policy and Initiatives
SACRAMENTO 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
Sacramento Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Sacramento. 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
| Sacramento | U.S. Average |
|---|---|
| 0.33% | 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, Sacramento had $339,311 in non-current loans and $21,770 in owned assets. To cover these potential losses it had $105,917,516 in net worth and $2,152,892 in loans loss reserves. That gives it a Texas Ratio of 0.33%.
Net Worth
| Sacramento | U.S. Average |
|---|---|
| 13.08% | 13.93% |
Sacramento FCU has a net worth of 13.08% 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 Sacramento
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