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Central Keystone Credit Union

Overview
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Central Keystone Credit Union is a federal credit union based in Sunbury, Pennsylvania. It has been opened since 1954, for 66 years.

With around $42,710,000 in assets, Central Keystone Credit Union is considered to be an average size credit union. It has 1 branches and 1 ATM locations.

About
Address 1000 Market Street
Sunbury, Pennsylvania 17801
Website http://www.ckfcu.org
Phone (570) 286-5739
Fax (570) 286-5738
CEO Kris I. Kauffman
President of the Board Robert Varano
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
3,098 members
Membership type: Multiple common bond – primary federal, state, local government
Average number of members
516:1
Credit union member to staff ratio
516 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$42,709,930
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
0.50%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
Central Keystone Credit Union Branch Locations

Central Keystone Credit Union: Main Office
1000 Market Street
Sunbury, Pennsylvania 17801
ATM Available
Members
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3,098 members
Membership type: Multiple common bond – primary federal, state, local government
Average number of members

With 3,098 members, the Central Keystone Credit Union is considered to be a medium size credit union. It is larger than 45% of credit unions.

Fees
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$18
Average fee per member
The average fee per member at the Central Keystone Credit Union is $18, which is low compared to most credit unions. This rate is lower than 74% 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 Central Keystone Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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516:1
Credit union member to staff ratio
516 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
6 staff members
FTE (full-time equivalent)
29% of employees are part-time
5 full-time, 2 part-time

Central Keystone Credit Union has 5 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 71% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Central Keystone Credit Union has around 516 members per staff, a high ratio compared to other credit unions.

Assets
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$42,709,930
Total assets
Average size
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.
18.7%
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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$13,110
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 71% of credit unions.

Central Keystone Credit Union holds a total of $25,140,000 in loans and leases, which is about $13,110 per member on average.

Savings interest rate
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0.50%
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. Central Keystone Credit Union pays 0.50%.

Loan rates
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.85%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.19%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.32%
New car loan rate
Compared to 4.0% nationally
5.59%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.03%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.98%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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