Shuford Federal Credit Union

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A short history of Shuford FCU

Since its inception in 1967 the Shuford Federal Credit Union has been serving its members in the HICKORY, North Carolina 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 Jerry Gaillard, the Shuford FCU has grown its membership to over 4,670 with assets of more than $23,598,324. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (828) 568-1234 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in HICKORY, NC.

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

Charter Number 24811
Address 882 16TH ST NE 
State North Carolina 
Zip-Code 28601
Phone Number (828) 568-1234
Fax Number (828) 568-1235
Email Address: none
CEO/President Jerry Gaillard
Members 4,670 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 23,598,324 

Compare Shuford Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Century Employees' Savings Fund CU Main office 401 11th St NW 28603 (828) 326-8512 No 3.11
Hsm CU HICKORY SPRINGS FEDERAL CREDIT UNION 235 2ND AVE NW 28603 (828) 328-2201 No 3.19
Cs CU Claremont CU 3642 E US Highway 70 28610 (828) 459-5768 No 19.10
Piedmont CU Piedmont Credit Union 209 S Tradd St 28687 (704) 873-6400 No 25.07
Carolina CU Carolina Federal Credit Union 1200 E Church St 28021 (704) 435-0186 No 27.29

Shuford Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Shuford 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 9.99 3.64 7.22 5.17 5.96
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 227 564 288 336
Rank Among All North Carolina Credit Unions 17 23 45 27 18

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

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.35 1.00 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 N/A 119 89 174 125
Rank Among All North Carolina Credit Unions N/A 12 14 9 5
Shuford Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.990333288,830
All Other Unsecured Loans/Lines of Credit 12.520447371,158
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.64010286,096
Used Vehicle Loans 7.2208636,212,341
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.170574,723,840
Total Other Real Estate Loans/Lines of Credit 5.960893,925,165
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.94075552,898
TOTAL LOANS & LEASES 1,87416,360,328

Shuford 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 221,841,03600
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 352,882,8042101,500
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 250,083134,700
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 873,875,082249,000
Open-End Fixed Rate 0000
TOTALS 1468,649,0055185,200


Interest Only & Payment Option 1st Mortgage Loans 1379,6990
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Shuford 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 Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes