Telhio Credit Union is headquartered in Columbus and is the 7th largest credit union in the state of Ohio. It is also the 413st largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 126 employees and 46,921 members. Telhio Credit Union's savings rates are 2X the national average, and it has a A health rating.
Telhio is open to anyone who lives, works, worships or goes to school in Franklin County and the surrounding communities including Canal Winchester, Dublin, Galloway, Johnstown, London, Orient, Pataskala, Pickerington, Powell, Reynoldsburg and Westerville. - See Details
Telhio is not a compassionate bank. Totally insensitive to the consumer.
If you make a mistake, don't count on them to be forgiving because they will not.
Many of their branch ATM's do not accept deposits and I am told by a manager when you make an ATM deposit, they will put a hold the funds for 2 days. Even cash!
Fees are high, just like most banks.
I really feel this kind of policy is place in order for them to collect more NFS fees.
Ovedraft protection, even with that you would have to pay a fee.
Bottom line, this bank is totally inflexible. They brag on their home page: Telhio is more than a bank. It's a credit union. And when you're a member of Telhio, you own it. You reap the benefits. Wherever you are in life, we're here to help you grab every opportunity.
Total grap. I have been a member for about 10 years and do not see the advantage to being a member. I have other accounts with Chase and PNC and have no problems. I know when I make a deposit it will be there. I hear Huntington is very forgiving.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Telhio Credit Union had $2.48 million in non-current loans and owned real-estate with $52.96 million in equity and loan loss allowances on hand to cover it. This gives Telhio Credit Union a Texas Ratio of 4.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Telhio Credit Union decreased slightly from 5.59% as of December 31, 2012 to 4.68% as of December 31, 2013, resulting in a positive change of 16.30%.This indicates that the balance sheet and financial strength for Telhio Credit Union has improved slightly in recent periods.
In the past year, Telhio Credit Union has increased its total deposits by $9.63 million, resulting in 2.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Telhio Credit Union has shown is above average.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Telhio Credit Union has $522.34 million in assets with $52.96 million in equity, resulting in a capitalization level of 10.14%, which is above average.
|Assets and Liabilities|
|Equity Capital||$50.77 million|
|Loan Loss Allowance||$2.19 million|
|Unbacked Noncurrent Loans||$1.88 million|
|Real Estate Owned||$594,000|
|Historic Data - December 2012|
|Equity Capital||$48.55 million|
|Loan Loss Allowance||$1.75 million|
|Unbacked Noncurrent Loans||$1.88 million|
|Real Estate Owned||$260,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.72%|
|Return on Assets||0.57%|
|Return on Equity||5.9%|
|Interest Income||$18.01 million|
Always verify rates and promotions with the bank or credit union. We are not Telhio Credit Union, we are a rate comparison website and can not provide official rates or promotions.
|1.15%||$5k||-||High-Yield Savings Account|
|0.90%||$7,500||-||Health Savings Account|
|0.05%||$250||-||Business Share Savings|
|0.05%||-||-||It's For Me|
|0.50%||$25k||-||Business Money Market Plus|
|0.45%||$25k||-||Money Market Plus|
|0.20%||$1k||-||Business Money Market|
|1.15%||$5k||-||High-yield Share Checking Account|
|2.02%||$30k||-||60 Month CD|
|1.71%||$100k||-||48 Month Jumbo CD Special|
|1.61%||$30k||-||48 Month CD|
|1.31%||$100k||-||36 Month Jumbo CD Special|
|1.21%||$100k||-||24 Month Jumbo CD Special|
|1.20%||$30k||-||36 Month CD|
|1.05%||$10k||-||24 Month CD|
|1.00%||$10k||-||18 Month CD|
|0.80%||$500||-||Business 60 Month CD|
|0.70%||$500||-||Business 48 Month CD|
|0.60%||$500||-||Business 36 Month CD|
|0.50%||$500||-||Business 24 Month CD|
|0.50%||$30k||-||12 Month CD|
|0.40%||$500||-||Business 18 Month CD|
|0.40%||$30k||-||9 Month CD|
|0.35%||$30k||-||6 Month CD|
|0.30%||$500||-||Business 12 Month CD|
|0.25%||$30k||-||91 Day CD|
|0.20%||$500||-||Business 6 Month CD|
|0.15%||$500||-||Business 91 Day CD|
|2.02%||$30k||-||60 Month IRA (Traditional,Roth,CESA,SEP)|
|1.61%||$30k||-||48 Month IRA (Traditional,Roth,CESA,SEP)|
|1.20%||$30k||-||36 Month IRA (Traditional,Roth,CESA,SEP)|
|1.05%||$10k||-||24 Month IRA (Traditional,Roth,CESA,SEP)|
|1.00%||$10k||-||18 Month IRA (Traditional,Roth,CESA,SEP)|
|0.50%||$30k||-||12 Month IRA (Traditional,Roth,CESA,SEP)|
|0.40%||$30k||-||9 Month IRA (Traditional,Roth,CESA,SEP)|
|0.35%||$30k||-||6 Month IRA (Traditional,Roth,CESA,SEP)|
|0.25%||$30k||-||91 Day IRA (Traditional,Roth,CESA,SEP)|
|Telhio Credit Union Locations|
|Branch Office||96 N 4th St||Columbus, OH 43215-3115|
|Branch Office||201 Outerbelt St||Columbus, OH 43213-1529|
|Branch Office||5380 N Hamilton Rd||Columbus, OH 43230-1318|
|Branch Office||4236 Buckeye Pkwy||Grove City, OH 43123-8377|
|Branch Office||54 W Wilson Bridge Rd||Worthington, OH 43085-2293|
|Branch Office||1795 Morse Rd||Columbus, OH 43229|