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Plymouth County Teachers Credit Union
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Plymouth County Teachers Credit Union Share
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Overview Share
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Plymouth County Teachers Credit Union is a federal credit union based in West Wareham, Massachusetts. It has been opened since 1962, for 60 years.

With around $43,950,000 in assets, Plymouth County Teachers Credit Union is considered to be an average size credit union. It has 2 branches and 1 ATM locations.

About Share
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Address Po Box 189
West Wareham, Massachusetts 02576
Website http://www.pctfcu.org
Phone (508) 291-0777
Fax (508) 291-0491
CEO Glenna Hardman
President of the Board John Grondin
Services Offered
Score Card Share
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60 years
Years in business
Opened in 1962
Well Capitalized
Net worth classification
Source: NCUA
3,858 members
Membership type: Multiple common bond – primary educational
Average number of members
297:1
Credit union member to staff ratio
297 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$43,953,518
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 3 in Massachusetts
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 3 in Massachusetts
Above average number of branches
Plymouth County Teachers Credit Union Branch Locations
Members Share
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3,858 members
Membership type: Multiple common bond – primary educational
Average number of members

With 3,858 members, the Plymouth County Teachers Credit Union is considered to be a medium size credit union. It is larger than 51% of credit unions.

Fees Share
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$41
Average fee per member
The average fee per member at the Plymouth County Teachers Credit Union is $41, which is comparable to most credit unions. This rate is lower than 56% of all credit unions.
Fees are 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 Plymouth County Teachers Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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297:1
Credit union member to staff ratio
297 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
13 staff members
FTE (full-time equivalent)
27% of employees are part-time
11 full-time, 4 part-time

Plymouth County Teachers Credit Union has 11 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 73% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Plymouth County Teachers Credit Union has around 297 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$43,953,518
Total assets
Average size
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.
9.9%
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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$12,125
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 65% of credit unions.

Plymouth County Teachers Credit Union holds a total of $23,000,000 in loans and leases, which is about $12,125 per member on average.

Savings interest rate Share
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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. Plymouth County Teachers Credit Union pays 0.10%.

Loan rates Share
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
7.69%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.65%
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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3.40%
New car loan rate
Compared to 4.0% nationally
5.02%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.22%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.05%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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