Twin Rivers Federal Credit Union
Headquarters
23 Phillips St
Massena, NY 13662
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2024 Overview
General Credit Union Information
Twin Rivers is an NCUA insured institution located in Massena, NY. It was founded in 1970 and has approximately $38.38 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 20290 |
| Date Established | 1970 |
| Assets | $38.38 million |
| Loans | $16.43 million |
| Deposits | $35.80 million |
| Capital | $4.53 million |
Field of Membership Restrictions
Membership is open to those who live, worship, attend school or work in, or businesses located in St. Lawrence County in New York.
Deposit Rates - December 16, 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 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
Loan Rates - December 16, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Twin Rivers
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 |
6.459% | 6.375% | 0.50 | $2,810 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.716% | 6.625% | 0.75 | $3,023 | $2,049 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: Not a Lender |
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 7.750 % After Intro: 7.750 % |
$25,000 |
Learn More
More Info |
Note to Twin Rivers
To upload and update your bank's rates please register.
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Branches
Below are Twin Rivers 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
Twin Rivers Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 550.08 | A | View Lobby Hours |
Climate Policy and Initiatives
TWIN RIVERS 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
Twin Rivers Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Twin Rivers. 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
| Twin Rivers | U.S. Average |
|---|---|
| 2.36% | 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, Twin Rivers had $55,572 in non-current loans and $54,913 in owned assets. To cover these potential losses it had $4,532,194 in net worth and $158,881 in loans loss reserves. That gives it a Texas Ratio of 2.36%.
Net Worth
| Twin Rivers | U.S. Average |
|---|---|
| 11.81% | 13.93% |
Twin Rivers FCU has a net worth of 11.81% 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 Twin Rivers
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