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Ohio's First Class Credit Union

Popular Accounts at this Credit Union

1.60%5-year CD60 Month CD
0.50%1-year CD12 Month CD
0.10%Savingsā€œJā€ Second Savings

Overview / Commentary
1800 Carnegie Ave
Cleveland, OH 44115

Ohio's First Class Credit Union is headquartered in Cleveland and is the 108th largest credit union in the state of Ohio. It is also the 2,558th largest credit union in the nation. It was established in 1932 and as of December of 2016, it had grown to 19 employees and 9,893 members at 2 locations. Ohio's First Class Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Cuyahoga County in Ohio. Membership is also open to employees of the U.S. Postal Service in the northern district of Ohio, federal employees in Lorain County, Cuyahoga County Government , Cleveland MetroParks, Northeast Ohio Regional Sewer District , Cleveland Thermal Energy, City of Lakewood, City of Bay Village, City of Fairview Park, Metro General Hospital, Greyhound Lines, Lakewood Hospital, Lossman Motors, Chicago Title, Surety Title.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Ohio's First Class Credit Union has a low asset base.

Health Grade Components

NCUA #96682
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD1.32%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$40.1MM$39.1MM
LoansQ4 2016vs Q4 2015$28.6MM$24.1MM
DepositsQ4 2016vs Q4 2015$33.4MM$32.4MM
Equity CapitalQ4 2016vs Q4 2015$6.5MM$6.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$238.00K$218.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$458.00K$429.00K
Real Estate OwnedQ4 2016vs Q4 2015$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.

Ohio's First Class Credit Union Savings Account Rates

0.10%$300-Regular Savings
0.10%$300-ā€œJā€ Second Savings

Ohio's First Class Credit Union Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.25% $5k - $25k | 0.35% $25k - $50k

Ohio's First Class Credit Union CD Rates

2.50%$2,500-60 Month CD Special - New Money
1.60%$500-60 Month CD
1.50%$2,500-30 Month CD Special - New Money
1.25%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.50%$500-12 Month CD

Ohio's First Class Credit Union Locations
Branch Office345 E Bridge StElyria, OH 44035
Branch Office1800 Carnegie AveCleveland, OH 44115