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Family Savings Credit Union Share
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Overview Share
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Family Savings Credit Union is a federally insured state credit union based in Rainbow City, Alabama. It has been opened since 1951, for 71 years.

With around $405,730,000 in assets, Family Savings Credit Union is considered to be a very large credit union. It has 8 branches and 8 ATM locations.

About Share
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Address 205 Rescia Avenue
Rainbow City, Alabama 35906
Website http://www.familysavingscu.com
Phone (256) 547-8190
Fax (256) 442-8002
CEO Monte J. Hill
President of the Board L Williamson
Services Offered
Score Card Share
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71 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
63,058 members
Membership type: State chartered natural person credit union
Above average number of members
337:1
Credit union member to staff ratio
337 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$405,734,853
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 4 in Alabama
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
7.26%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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8 branches
Compared with an average of 4 nationally and 4 in Alabama
Above average number of branches
Family Savings Credit Union Branch Locations

Family Savings Credit Union: Cartersville
10 Fox Chase
Cartersville, Georgia 30120
ATM Available
Family Savings Credit Union: Administrative Office
205 Rescia Avenue
Rainbow City, Alabama 35906
No ATM
Family Savings Credit Union: Cartersville West
205 Douthit Ferry Road
Cartersville, Georgia 30120
ATM Available
Family Savings Credit Union: Calhoun
1273 Curtis Parkway SE
Calhoun, Georgia 30701
ATM Available
Family Savings Credit Union: Scottsboro
24661 John T. Reid Parkway
Scottsboro, Alabama 35768
ATM Available
Family Savings Credit Union: East Gadsden Branch
711 E. Meighan Boulevard
Gadsden, Alabama 35903
ATM Available
Family Savings Credit Union: Rainbow City Branch
3003 2nd Street
Rainbow City, Alabama 35906
ATM Available
Family Savings Credit Union: Rockmart
101 Felton Drive
Rockmart, Georgia 30153
ATM Available
Family Savings Credit Union: Hiram
342 Charles Hardy Parkway
Hiram, Georgia 30141
ATM Available
Members Share
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63,058 members
Membership type: State chartered natural person credit union
Above average number of members

With 63,058 members, the Family Savings Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 93% of credit unions.

Fees Share
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$127
Average fee per member
The average fee per member at the Family Savings Credit Union is $127, which is very high compared to most credit unions. This rate is higher than 92% 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 Family Savings Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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337:1
Credit union member to staff ratio
337 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
187 staff members
FTE (full-time equivalent)
10% of employees are part-time
177 full-time, 20 part-time

Family Savings Credit Union has 177 full-time staff members and 20 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 90% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Family Savings Credit Union has around 337 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$405,734,853
Total assets
Above 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.
11.8%
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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$10,464
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 53% of credit unions.

Family Savings Credit Union holds a total of $322,360,000 in loans and leases, which is about $10,464 per member on average.

Savings interest rate Share
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0.20%
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. Family Savings Credit Union pays 0.20%.

Loan rates Share
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7.26%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
16.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.99%
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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3.49%
New car loan rate
Compared to 4.0% nationally
3.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

Additional Credit Unions

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Wcu Credit Union
Credit Union: Well Capitalized Decatur, Alabama 3439.0 $25 million Well Capitalized
Rocket City Credit Union
Credit Union: Well Capitalized Huntsville, Alabama 4904.0 $50 million Well Capitalized
Listerhill Credit Union
Credit Union: Well Capitalized Sheffield, Alabama 91237.0 $790 million Well Capitalized
Mutual Savings Credit Union
Credit Union: Well Capitalized Birmingham, Alabama 29072.0 $174 million Well Capitalized
Fogce Credit Union
Credit Union: Well Capitalized Eutaw, Alabama 757.0 $1 million Well Capitalized
Phenix Pride Credit Union
Credit Union: Well Capitalized Phenix City, Alabama 1866.0 $10 million Well Capitalized
Army Aviation Center Credit Union
Credit Union: Well Capitalized Daleville, Alabama 110457.0 $1 billion Well Capitalized
Aod Credit Union
Credit Union: Well Capitalized Bynum, Alabama 33854.0 $300 million Well Capitalized
Lauderdale County Teachers Credit Union
Credit Union: Well Capitalized Florence, Alabama 2557.0 $30 million Well Capitalized
Tuscumbia Credit Union
Credit Union: Well Capitalized Tuscumbia, Alabama 265.0 $1 million Well Capitalized

Other Credit Unions

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Landmark Credit Union
Credit Union: Well Capitalized Fairfield, Alabama 3273.0 $40 million Well Capitalized
Five Star Credit Union
Credit Union: Well Capitalized Dothan, Alabama 42216.0 $435 million Well Capitalized
Gulf Coast Credit Union
Credit Union: Well Capitalized Mobile, Alabama 5217.0 $33 million Well Capitalized
Mead Coated Board Credit Union
Credit Union: Well Capitalized Phenix City, Alabama 1573.0 $53 million Well Capitalized
Northeast Alabama Postal Credit Union
Credit Union: Well Capitalized Anniston, Alabama 1175.0 $13 million Well Capitalized
Legacy Community Credit Union
Credit Union: Well Capitalized Birmingham, Alabama 39129.0 $427 million Well Capitalized
Monroe Education Employees Credit Union
Credit Union: Undercapitalized Monroeville, Alabama 1585.0 $4 million Undercapitalized
Progressive Credit Union
Credit Union: Well Capitalized Mobile, Alabama 655.0 $6 million Well Capitalized
U S Pipe Bessemer Employees Credit Union
Credit Union: Well Capitalized Bessemer, Alabama 480.0 $3 million Well Capitalized
Chattahoochee Credit Union
Credit Union: Well Capitalized Valley, Alabama 3434.0 $16 million Well Capitalized

Additional Credit Unions

See all...
Apco Employees Credit Union
Credit Union: Well Capitalized Birmingham, Alabama 71993.0 $3 billion Well Capitalized
City Credit Union
Credit Union: Well Capitalized Tuscaloosa, Alabama 1962.0 $18 million Well Capitalized
America's First Credit Union
Credit Union: Well Capitalized Birmingham, Alabama 163732.0 $2 billion Well Capitalized
Mobile Government Employee Credit Union
Credit Union: Well Capitalized Mobile, Alabama 907.0 $21 million Well Capitalized
Coosa Pines Credit Union
Credit Union: Well Capitalized Childersburg, Alabama 22681.0 $240 million Well Capitalized
Tva Community Credit Union
Credit Union: Well Capitalized Muscle Shoals, Alabama 18393.0 $312 million Well Capitalized
Mobile Educators Credit Union
Credit Union: Well Capitalized Mobile, Alabama 9452.0 $86 million Well Capitalized
Opp-Micolas Credit Union
Credit Union: Well Capitalized Opp, Alabama 1875.0 $12 million Well Capitalized
Alabama Rural Electric Credit Union
Credit Union: Well Capitalized Montgomery, Alabama 3671.0 $34 million Well Capitalized
Montgomery Va Credit Union
Credit Union: Well Capitalized Montgomery, Alabama 1156.0 $6 million Well Capitalized

All of Asset Brief

See all...

Similar Credit Unions to Family Savings Credit Union

See all...
Family Savings Credit Union: Cartersville West
Credit Union Branch: 205 Douthit Ferry Road
Cartersville, Georgia 30120 ATM Available
Family Savings Credit Union: Hiram
Credit Union Branch: 342 Charles Hardy Parkway
Hiram, Georgia 30141 ATM Available
Family Savings Credit Union: Calhoun
Credit Union Branch: 1273 Curtis Parkway SE
Calhoun, Georgia 30701 ATM Available
Family Savings Credit Union: Scottsboro ATM
Credit Union ATM: 24661 John T. Reid Parkway
Scottsboro, Alabama 35768
Family Savings Credit Union: Scottsboro
Credit Union Branch: 24661 John T. Reid Parkway
Scottsboro, Alabama 35768 ATM Available
Family Savings Credit Union: Rainbow City Branch
Credit Union Branch: 3003 2nd Street
Rainbow City, Alabama 35906 ATM Available
Family Savings Credit Union: Rockmart
Credit Union Branch: 101 Felton Drive
Rockmart, Georgia 30153 ATM Available
Family Savings Credit Union: East Gadsden Branch
Credit Union Branch: 711 E. Meighan Boulevard
Gadsden, Alabama 35903 ATM Available
Family Savings Credit Union: Administrative Office
Credit Union Branch: 205 Rescia Avenue
Rainbow City, Alabama 35906 No ATM
Family Savings Credit Union: Cartersville
Credit Union Branch: 10 Fox Chase
Cartersville, Georgia 30120 ATM Available