The Health & Education Federal Credit Union
Headquarters
424 Park Pl
Lexington, KY 40511
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2024 Overview
General Credit Union Information
The Health & Education is an NCUA insured institution located in Lexington, KY. It was founded in 1956 and has approximately $114.17 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 10800 |
| Date Established | 1956 |
| Assets | $114.17 million |
| Loans | $43.21 million |
| Deposits | $99.85 million |
| Capital | $17.34 million |
Field of Membership Restrictions
Membership is open to all county school systems in the Lexington area, Georgetown College, Asbury Seminary, Asbury University, Central Baptist Hospital, Shriners Hospital and other colleges and health care providers.
Deposit Rates - November 7, 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 | |
|---|---|---|---|---|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
Loan Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for The Health & Education
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: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $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 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to The Health & Education
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Branches
Below are The Health & Education 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
The Health & Education Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 152.63 | A | View Lobby Hours | |
| 157.46 | B | View Lobby Hours |
Climate Policy and Initiatives
THE HEALTH & EDUCATION 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
The Health & Education Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of The Health & Education. 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
| The Health & Education | U.S. Average |
|---|---|
| 1.27% | 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, The Health & Education had $220,658 in non-current loans and $0 in owned assets. To cover these potential losses it had $17,337,553 in net worth and $100,498 in loans loss reserves. That gives it a Texas Ratio of 1.27%.
Net Worth
| The Health & Education | U.S. Average |
|---|---|
| 15.18% | 13.93% |
The Health & Education FCU has a net worth of 15.18% 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 The Health & Education
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