Spco Credit Union
Headquarters
12755 N Houston Rosslyn Rd
Houston, TX 77086
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2024 Overview
General Credit Union Information
Spco is an NCUA insured institution located in Houston, TX. It was founded in 1968 and has approximately $37.16 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61438 |
| Date Established | 1968 |
| Assets | $37.16 million |
| Loans | $30.94 million |
| Deposits | $33.11 million |
| Capital | $3.60 million |
Field of Membership Restrictions
SPCO Credit Union provides all the benefits of a member-owned financial institution to ALL who live, work, attend classes or gather regularly within 10 miles of any SPCO Credit Union location, all Union Pacific Railroad employees, and any employee of a graphics-related company in Harris County.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.41% | $1,000 | $14,999 |
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|
| 6 Mo CD
|
0.55% | $50,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $1,000 | $14,999 |
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|
| 12 Mo CD
|
1.11% | $50,000 | $199,999 |
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|
| 24 Mo CD
|
1.20% | $1,000 | $14,999 |
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|
| 24 Mo CD
|
1.30% | $50,000 | $199,999 |
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|
| 36 Mo CD
|
1.25% | $1,000 | $14,999 |
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|
| 36 Mo CD
|
1.35% | $50,000 | $199,999 |
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|
| 48 Mo CD
|
1.35% | $1,000 | $14,999 |
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|
| 48 Mo CD
|
1.45% | $50,000 | $199,999 |
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|
| 60 Mo CD
|
1.45% | $1,000 | $14,999 |
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|
| 60 Mo CD
|
1.55% | $50,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Spco
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: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $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 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Spco
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Branches
Below are Spco 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
Spco Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 946.46 | A | View Lobby Hours | |
| 959.31 | B | View Lobby Hours | |
| 959.35 | C | View Lobby Hours |
Climate Policy and Initiatives
SPCO 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
Spco Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Spco. 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
| Spco | U.S. Average |
|---|---|
| 14.30% | 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, Spco had $426,629 in non-current loans and $114,066 in owned assets. To cover these potential losses it had $3,600,908 in net worth and $179,673 in loans loss reserves. That gives it a Texas Ratio of 14.30%.
Net Worth
| Spco | U.S. Average |
|---|---|
| 9.69% | 13.93% |
Spco FCU has a net worth of 9.69% 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 Spco
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