Encompass Federal Credit Union

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A short history of Encompass FCU

Since its inception in 1953 the Encompass Federal Credit Union has been serving its members in the TIPTON, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Matthew Lambert, the Encompass FCU has grown its membership to over 16,553 with assets of more than $172,393,277. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (765) 675-8848 or email them at info@encompasscu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TIPTON, IN.

General Information For Encompass FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 8548
Address P O BOX 100 
State Indiana 
Zip-Code 46072
Phone Number (765) 675-8848
Fax Number (765) 675-3388
Email Address: info@encompasscu.org
CEO/President Matthew Lambert
Members 16,553 
Full-Time Employees 44 
Part-Time Employees
Number of Branch Offices
Total Assets 172,393,277 
Website http://www.encompasscu.org 

Compare Encompass Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Solidarity Community CU Community Branch 118 N Dixon Rd 46901 (765) 453-4020 No 11.49
Howard County School Em CU Location of Records 105 W Southway Blvd 46902 (765) 453-6688 No 11.50
Financial Builders CU Financial Builders Federal Credit Union 2828 S Lafountain St 46902 (765) 455-0500 No 12.11
Haynes Community CU Haynes Community Federal Credit Union 1801 S Park Rd 46904 (765) 456-3043 No 13.19
City Of Firsts Community CU Main Office 1120 S Main St 46903 (765) 454-5590 No 13.48

Encompass Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Encompass Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.50 3.77 8.19 4.54 4.74
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 297 247 644 209 199
Rank Among All Indiana Credit Unions 30 53 106 40 26

Encompass Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.15 0.15 N/A 1.40 1.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 108 119 N/A 103 125
Rank Among All Indiana Credit Unions 13 22 N/A 11 11
Encompass Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.500806805,933
All Other Unsecured Loans/Lines of Credit 11.6502,6506,135,401
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.7702074,428,435
Used Vehicle Loans 8.1906,08549,196,340
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.54064851,210,477
Total Other Real Estate Loans/Lines of Credit 4.7402435,522,363
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.22099810,025,641
TOTAL LOANS & LEASES 11,637127,324,590

Encompass Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 37738,047,436292,877,300
    b. 15 Years or less 25412,275,488251,279,840
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 15756,2302311,000
Adjustable Rate > 1 yr 2131,32300


Closed-End Fixed Rate 411,004,076392,182
Closed-End Adjustable Rate 12,47600
Open-End Adjustable Rate 2014,515,811341,318,353
Open-End Fixed Rate 0000
TOTALS 89156,732,840935,878,675


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1203,828,4021,248,353
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Encompass Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes