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Ohio's First Class Credit Union

Popular Accounts at this Credit Union

1.60%5-year CD60 Month CD
0.45%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 111th largest credit union in the state of Ohio. It is also the 2,603rd largest credit union in the nation. It was established in 1932 and as of June of 2016, it had grown to 18 employees and 10,060 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 - YTD0.31%
Return on Equity - YTD1.91%
Annual Interest Income$864.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$38.9MM$38.4MM
LoansQ2 2016vs Q2 2015$25.8MM$21.7MM
DepositsQ2 2016vs Q2 2015$36.4MM$31.9MM
Equity CapitalQ2 2016vs Q2 2015$6.4MM$6.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$213.00K$187.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$300.00K$371.00K
Real Estate OwnedQ2 2016vs Q2 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

1.60%$500-60 Month CD
1.45%$500-Special New Money First Class Seat -18 Month CD
1.20%$500-Special New Money 18 Month CD
1.00%$500-48 Month CD
0.75%$500-36 Month CD
0.60%$500-24 Month CD
0.45%$500-12 Month CD
0.30%$500-6 Month CD

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