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Capital Area Realtors Credit Union
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Capital Area Realtors Credit Union Share
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Overview Share
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Capital Area Realtors Credit Union is a federal credit union based in Rockville, Maryland. It has been opened since 1971, for 51 years.

With around $10,650,000 in assets, Capital Area Realtors Credit Union is considered to be a medium size credit union.

About Share
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Address P.O. Box 1573
Rockville, Maryland 20849
Website http://www.carfcu.org
Phone (240) 314-0734
Fax (240) 314-0738
CEO Tony Launi
President of the Board Harold Huggins
Services Offered
Score Card Share
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51 years
Years in business
Opened in 1971
Well Capitalized
Net worth classification
Source: NCUA
1,117 members
Membership type: Multiple common bond – primary finance, insurance, real estate, trade
Below average number of members
558:1
Credit union member to staff ratio
558 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$10,651,711
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Maryland
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Maryland
Average number of branches
Capital Area Realtors Credit Union Branch Locations

Capital Area Realtors Credit Union: Main Office
107 W. Edmonston Drive
Rockville, Maryland 20852
No ATM
Members Share
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1,117 members
Membership type: Multiple common bond – primary finance, insurance, real estate, trade
Below average number of members

With 1,117 members, the Capital Area Realtors Credit Union is considered to be a small credit union. It is smaller than 78% of credit unions.

Fees Share
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$22
Average fee per member
The average fee per member at the Capital Area Realtors Credit Union is $22, which is low compared to most credit unions. This rate is lower than 71% of all credit unions.
Fees are lower 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 Capital Area Realtors Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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558:1
Credit union member to staff ratio
558 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
2 staff members
FTE (full-time equivalent)
0% of employees are part-time
2 full-time, 0 part-time

Capital Area Realtors Credit Union has 2 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Capital Area Realtors Credit Union has around 558 members per staff, a high ratio compared to other credit unions.

Assets Share
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$10,651,711
Total assets
Below average
Net worth Share
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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.
10.0%
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 Share
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$18,744
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 89% of credit unions.

Capital Area Realtors Credit Union holds a total of $8,790,000 in loans and leases, which is about $18,744 per member on average.

Savings interest rate Share
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0.10%
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. Capital Area Realtors Credit Union pays 0.10%.

Loan rates Share
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9.25%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.99%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.99%
New car loan rate
Compared to 4.0% nationally
3.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.