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Keystone United Methodist Credit Union

Overview
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Keystone United Methodist Credit Union is a federal credit union based in Cranberry Towns, Pennsylvania. It has been opened since 1953, for 67 years.

With around $17,550,000 in assets, Keystone United Methodist Credit Union is considered to be a medium size credit union.

About
Address Po Box 2088
Cranberry Towns, Pennsylvania 16066
Website http://www.keystoneumfcu.org
Phone (724) 776-2300
Fax (724) 776-1377
CEO Kasi K. Devinney
President of the Board Beth Nelson
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
2,412 members
Membership type: Multiple common bond – other
Below average number of members
482:1
Credit union member to staff ratio
482 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$17,552,301
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Pennsylvania
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.90%
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
Keystone United Methodist Credit Union Branch Locations

Keystone United Methodist Credit Union: Main Brach
1204 Freedom Road
Cranberry Township, Pennsylvania 16066
No ATM
Members
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2,412 members
Membership type: Multiple common bond – other
Below average number of members

With 2,412 members, the Keystone United Methodist Credit Union is considered to be a small credit union. It is smaller than 61% of credit unions.

Fees
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$4
Average fee per member
The average fee per member at the Keystone United Methodist Credit Union is $4, which is very low compared to most credit unions. This rate is lower than 89% 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 Keystone United Methodist Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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482:1
Credit union member to staff ratio
482 per each FTE employee
Compared to 411:1 nationally
Fewer staff
5 staff members
FTE (full-time equivalent)
33% of employees are part-time
4 full-time, 2 part-time

Keystone United Methodist Credit Union has 4 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Keystone United Methodist Credit Union has around 482 members per staff, a higher ratio compared to other credit unions.

Assets
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$17,552,301
Total assets
Below 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.
8.6%
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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$8,945
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 61% of credit unions.

Keystone United Methodist Credit Union holds a total of $11,140,000 in loans and leases, which is about $8,945 per member on average.

Savings interest rate
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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. Keystone United Methodist Credit Union pays 0.10%.

Loan rates
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11.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.99%
New car loan rate
Compared to 4.0% nationally
3.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
4.25%
Other real estate loan rates
Compared to 0.9% nationally