Ray Federal Credit Union

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A short history of Ray FCU

Since its inception in 1955 the Ray Federal Credit Union has been serving its members in the Kearny, Arizona 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 Dan Thurman, the Ray FCU has grown its membership to over 2,275 with assets of more than $10,271,063. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (520) 363-5681 or email them at management@rayfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Kearny, AZ.

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

Charter Number 9951
Address PO Box 1089 
City Kearny 
State Arizona 
Zip-Code 85137
Phone Number (520) 363-5681
Fax Number (520) 363-5688
Email Address: management@rayfcu.org
CEO/President Dan Thurman
Members 2,275 
Full-Time Employees 11 
Part-Time Employees
Number of Branch Offices
Total Assets 10,271,063 
Website http://www.rayfcu.org 

Compare Ray Federal Credit Union To Other Local Credit Unions


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Ray Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Ray 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 N/A 4.50 9.00 5.00 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 341 695 268 N/A
Rank Among All Arizona Credit Unions N/A 20 37 16 N/A

Ray 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 0.50 N/A
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 263 N/A
Rank Among All Arizona Credit Unions N/A 3 N/A 11 N/A
Ray Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 14.8508211,113,927
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.50027455,661
Used Vehicle Loans 9.0003333,265,978
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.000171,130,554
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.50059741,864
TOTAL LOANS & LEASES 1,2576,707,984

Ray 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 4300,80100
    b. 15 Years or less 13829,753290,000
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 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 171,130,554290,000

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

Ray Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
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