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Chattanooga Area Schools Credit Union

Overview
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Chattanooga Area Schools Credit Union is a federal credit union based in Chattanooga, Tennessee. It has been opened since 1935, for 85 years.

With around $152,140,000 in assets, Chattanooga Area Schools Credit Union is considered to be a large credit union.

About
Address Po Box 3529
Chattanooga, Tennessee 37404
Website http://CASFCU.COM
Phone (423) 624-9094
Fax (423) 622-3845
CEO David A. Siatkowski
President of the Board Derrick Rushworth
Services Offered
Map
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Score Card
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85 years
Years in business
Opened in 1935
Well Capitalized
Net worth classification
Source: NCUA
10,987 members
Membership type: Educational
Above average number of members
916:1
Credit union member to staff ratio
916 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$152,143,341
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 3 in Tennessee
Average number of branches
0.50%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in Tennessee
Average number of branches
Chattanooga Area Schools Credit Union Branch Locations

Chattanooga Area Schools Credit Union: Casfcu
1201 Bailey Avenue
Chattanooga, Tennessee 37404
No ATM
Members
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10,987 members
Membership type: Educational
Above average number of members

With 10,987 members, the Chattanooga Area Schools Credit Union is considered to be a large credit union. It is larger than 72% of credit unions.

Fees
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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 Chattanooga Area Schools Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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916:1
Credit union member to staff ratio
916 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
12 staff members
FTE (full-time equivalent)
0% of employees are part-time
12 full-time, 0 part-time

Chattanooga Area Schools Credit Union has 12 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. Chattanooga Area Schools Credit Union has around 916 members per staff, a high ratio compared to other credit unions.

Assets
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$152,143,341
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.
15.0%
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
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$14,796
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 79% of credit unions.

Chattanooga Area Schools Credit Union holds a total of $60,150,000 in loans and leases, which is about $14,796 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. Chattanooga Area Schools Credit Union pays 0.50%.

Loan rates
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8.25%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.95%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.95%
New car loan rate
Compared to 4.0% nationally
3.45%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.95%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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