First Reliance Federal Credit Union

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A short history of First Reliance FCU

Since its inception in 1971 the First Reliance Federal Credit Union has been serving its members in the ATHENS, Georgia 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 DINA THOMAS, the First Reliance FCU has grown its membership to over 2,848 with assets of more than $12,902,193. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (706) 613-1644 or email them at raefcu@earthlink.net to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ATHENS, GA.

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

Charter Number 20707
Address PO BOX 80505 
City ATHENS 
State Georgia 
Zip-Code 30608
Phone Number (706) 613-1644
Fax Number (706) 613-1950
Email Address: raefcu@earthlink.net
CEO/President DINA THOMAS
Members 2,848 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 12,902,193 
Website http://www.firstreliancefcu.org 

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First Reliance Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


First Reliance 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 9.98 5.10 7.48 5.14 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 252 407 586 285 100
Rank Among All Georgia Credit Unions 15 59 62 27 5

First Reliance Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 N/A 0.30 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 N/A 302 259
Rank Among All Georgia Credit Unions N/A 27 N/A 40 30
First Reliance Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.980243469,964
All Other Unsecured Loans/Lines of Credit 12.540330509,576
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.10015289,011
Used Vehicle Loans 7.4804302,855,206
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.140251,016,068
Total Other Real Estate Loans/Lines of Credit 4.00019,834
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.92083375,031
TOTAL LOANS & LEASES 1,1275,524,690

First Reliance Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

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 3240,97100
    b. 15 Years or less 21579,7232139,050
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 1195,37400

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 19,83400
Open-End Fixed Rate 0000
TOTALS 261,025,9022139,050

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

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