2024 Overview
General Credit Union Information
Volt is an NCUA insured institution located in Springfield, MO. It was founded in 1935 and has approximately $88.24 millions in assets.
Membership is open to 1) employees (current and retired) of select employee groups and 2) anyone who works or resides in the following counties in Missouri: Christian, Dade, Dallas, Greene, Lawrence, Polk, Stone, Taney and Webster.
The Credit Union also serves the employee's family members including spouse, children, stepchildren, sons and daughters-in-law, parents, mothers-in-law, fathers-in-law, brothers, sisters, brothers- and sisters-in-law, grandparents and grandchildren, aunts, uncles, nieces, nephews and cousins.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63389 |
| Date Established | 1935 |
| Assets | $88.24 million |
| Loans | $56.02 million |
| Deposits | $74.80 million |
| Capital | $7.65 million |
Field of Membership Restrictions
Community Financial CU is open to anyone that resides or works in these Missouri Counties; Christian, Dade, Dallas, Greene, Lawrence, Polk, Stone, Taney, and Webster along with the current or retired employees of the CU-affiliated SEG's and their family members.
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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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.50% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| High Voltage Checking | 2.01% | $0 | $0.00 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Volt
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 Volt
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Branches
Below are Volt 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
Volt Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 578.06 | A | View Lobby Hours | |
| 578.06 | B | View Lobby Hours | |
| 578.27 | C | View Lobby Hours |
Climate Policy and Initiatives
VOLT 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
Volt Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Volt. 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
| Volt | U.S. Average |
|---|---|
| 4.89% | 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, Volt had $359,325 in non-current loans and $23,976 in owned assets. To cover these potential losses it had $7,645,235 in net worth and $188,173 in loans loss reserves. That gives it a Texas Ratio of 4.89%.
Net Worth
| Volt | U.S. Average |
|---|---|
| 8.66% | 13.93% |
Volt FCU has a net worth of 8.66% 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 Volt
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