United Community Credit Union
Headquarters
1001 Vermont St
Quincy, IL 62301
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2024 Overview
General Credit Union Information
United Community is an NCUA insured institution located in Quincy, IL. It was founded in 1941 and has approximately $118.69 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60095 |
| Date Established | 1941 |
| Assets | $118.69 million |
| Loans | $85.88 million |
| Deposits | $100.34 million |
| Capital | $18.04 million |
Field of Membership Restrictions
Membership is open to those who live or work in the counties of Adams, Brown, Hancock, Pike, and Schuyler in Illinois or Lewis, Marion, & Ralls counties in Missouri. Any employee who works at one of our select employee groups is also able to belong. Our eligible employee groups are listed under Membership Information.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.50% | $2,500 | $4,999 |
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|
|
Money Market
|
0.50% | $2,500 | $2,999 |
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|
|
Money Market
|
0.55% | $10,000 | $14,999 |
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|
|
Money Market
|
0.60% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $1,000 | - |
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|
| 12 Mo CD
|
0.40% | $1,000 | - |
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|
| 24 Mo CD
|
0.50% | $500 | - |
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|
| 36 Mo CD
|
0.80% | $1,000 | - |
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|
| 48 Mo CD
|
0.80% | $1,000 | - |
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|
| 60 Mo CD
|
1.00% | $1,000 | - |
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|
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for United Community
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 |
6.368% | 6.250% | 0.75 | $4,000 | $1,971 | Learn More |
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.482% | 6.375% | 0.75 | $3,610 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | 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 United Community
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Branches
Below are United Community 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
United Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 442.99 | A | View Lobby Hours | |
| 443.41 | B | View Lobby Hours | |
| 445.25 | C | View Lobby Hours | |
| 824.22 | D | View Lobby Hours |
Climate Policy and Initiatives
UNITED COMMUNITY 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
United Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Community. 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
| United Community | U.S. Average |
|---|---|
| 2.47% | 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, United Community had $395,071 in non-current loans and $59,564 in owned assets. To cover these potential losses it had $18,037,673 in net worth and $342,917 in loans loss reserves. That gives it a Texas Ratio of 2.47%.
Net Worth
| United Community | U.S. Average |
|---|---|
| 15.19% | 13.93% |
United Community FCU has a net worth of 15.19% 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 United Community
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