Encompass Credit Union

Overview / Commentary
221 N Main St
Tipton, IN 46072

Encompass Credit Union is headquartered in Tipton and is the 27th largest credit union in the state of Indiana. It is also the 1,055th largest credit union in the nation. It was established in 1953 and as of September of 2023, it had grown to 61 employees and 17,371 members at 4 locations. Encompass Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Encompass Credit Union is open to those who live, work, worship, or attend school in Clinton, Howard, or Tipton County, Indiana. Membership is also open to immediate family of current Encompass Credit Union members, as well as immediate family of those who are membership-eligible.
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Health Grade Components

NCUA #8548
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD-0.6%
Return on Equity - YTD-7.99%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$275.3MM$245.1MM
LoansQ3 2023vs Q3 2022$222.9MM$183.7MM
DepositsQ3 2023vs Q3 2022$235.8MM$219.3MM
Equity CapitalQ3 2023vs Q3 2022$20.6MM$24.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$5.6MM$1.8MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.3MM$2.4MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Encompass Credit Union Savings Account Rates

1.51%--IRA Savings
0.15%$5-Regular Savings
0.15%--Christmas Club
0.15%--Vacation Club

Encompass Credit Union Checking Account Rates

1.00%*-$50kUltimate Checking
OTHER TIERS: 0.25% $50k+
0.10%$25-Draft Checking

Encompass Credit Union CD Rates

4.07%$500-24 Month CD
4.07%$500-36 Month CD
4.07%$500-48 Month CD
4.07%$500-60 Month CD
3.82%$500-18 Month CD
3.56%$500-12 Month CD
0.75%$500-6 Month CD

Encompass Credit Union Locations
Steel Parts Branch201 N Main StTipton, IN 46072
Nickel Plate Branch2115 W Holiday RdFrankfort, IN 46041-9100
Maish Road Branch1035 N Maish RdFrankfort, IN 46041-2989
Branch Office4020 South Reed RoadKokomo, IN 46901

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