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C-Plant Credit Union

Overview
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C-Plant Credit Union is a federal credit union based in Paducah, Kentucky. It has been opened since 1951, for 69 years.

With around $200,370,000 in assets, C-Plant Credit Union is considered to be a very large credit union. It has 8 branches and 8 ATM locations.

About
Address P.O. Box 9250
Paducah, Kentucky 42002
Website http://www.cplant.com
Phone (270) 554-0287
Fax (270) 534-9164
CEO Paul E. Adams
President of the Board Donnie Chumbler
Services Offered
Map
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Score Card
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69 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
18,927 members
Membership type: Unknown
Above average number of members
456:1
Credit union member to staff ratio
456 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$200,373,245
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
0.22%
Savings interest rate
Compared to 0.3% nationally
10.73%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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8 branches
Compared with an average of 4 nationally and 3 in Kentucky
Above average number of branches
C-Plant Credit Union Branch Locations

C-Plant Credit Union: Madisonville
182 Madison Square Drive
Madisonville, Kentucky 42431
ATM Available
C-Plant Credit Union: Morganfield
817 US Highway 60 E.
Morganfield, Kentucky 42437
ATM Available
C-Plant Credit Union: Mayfield
1101 Paris Road Suite 18
Mayfield, Kentucky 42066
ATM Available
C-Plant Credit Union: Smithland
303 Mill Street
Smithland, Kentucky 42081
ATM Available
C-Plant Credit Union: Administration
118 Bleich Road
Paducah, Kentucky 42003
No ATM
C-Plant Credit Union: Village Square
4900 Village Square Drive
Paducah, Kentucky 42001
ATM Available
C-Plant Credit Union: La Center
339 E. Kentucky Drive
La Center, Kentucky 42056
ATM Available
C-Plant Credit Union: Southside
3201 Wayne Sullivan Drive
Paducah, Kentucky 42003
ATM Available
C-Plant Credit Union: Lone Oak
2500 Lone Oak Road
Paducah, Kentucky 42003
ATM Available
Members
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18,927 members
Membership type: Unknown
Above average number of members

With 18,927 members, the C-Plant Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 81% of credit unions.

Fees
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$112
Average fee per member
The average fee per member at the C-Plant Credit Union is $112, which is very high compared to most credit unions. This rate is higher than 89% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the C-Plant Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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456:1
Credit union member to staff ratio
456 per each FTE employee
Compared to 411:1 nationally
Fewer staff
42 staff members
FTE (full-time equivalent)
2% of employees are part-time
41 full-time, 1 part-time

C-Plant Credit Union has 41 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 98% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. C-Plant Credit Union has around 456 members per staff, a higher ratio compared to other credit unions.

Assets
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$200,373,245
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
14.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$15,217
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 81% of credit unions.

C-Plant Credit Union holds a total of $124,670,000 in loans and leases, which is about $15,217 per member on average.

Savings interest rate
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0.22%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. C-Plant Credit Union pays 0.22%.

Loan rates
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10.73%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
7.93%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.95%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.48%
New car loan rate
Compared to 4.0% nationally
2.35%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.23%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.10%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally