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Families And Schools Together Credit Union

Overview
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Families And Schools Together Credit Union is a federal credit union based in Hanford, California. It has been opened since 1954, for 66 years.

With around $163,460,000 in assets, Families And Schools Together Credit Union is considered to be a large credit union. It has 3 branches and 3 ATM locations.

About
Address 312 W. 7th Street
Hanford, California 93230
Website http://www.fastcu.com
Phone (559) 584-0922
Fax (559) 583-6948
CEO Paula Lehn
President of the Board Ron Allvin
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
16,102 members
Membership type: Multiple common bond – primary educational
Above average number of members
441:1
Credit union member to staff ratio
441 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$163,463,250
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
0.17%
Savings interest rate
Compared to 0.3% nationally
8.93%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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3 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
Families And Schools Together Credit Union Branch Locations
Members
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16,102 members
Membership type: Multiple common bond – primary educational
Above average number of members

With 16,102 members, the Families And Schools Together Credit Union is considered to be a large credit union. It is larger than 78% of credit unions.

Fees
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$86
Average fee per member
The average fee per member at the Families And Schools Together Credit Union is $86, which is high compared to most credit unions. This rate is higher than 77% 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 Families And Schools Together Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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441:1
Credit union member to staff ratio
441 per each FTE employee
Compared to 411:1 nationally
Fewer staff
36 staff members
FTE (full-time equivalent)
22% of employees are part-time
32 full-time, 9 part-time

Families And Schools Together Credit Union has 32 full-time staff members and 9 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 78% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Families And Schools Together Credit Union has around 441 members per staff, a higher ratio compared to other credit unions.

Assets
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$163,463,250
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.
12.4%
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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$16,991
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 86% of credit unions.

Families And Schools Together Credit Union holds a total of $127,350,000 in loans and leases, which is about $16,991 per member on average.

Savings interest rate
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0.17%
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. Families And Schools Together Credit Union pays 0.17%.

Loan rates
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8.93%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.52%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.16%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.07%
New car loan rate
Compared to 4.0% nationally
6.67%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.19%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.55%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.61%
Other real estate loan rates
Compared to 0.9% nationally
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