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OE Local Union #3 FCU

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OE Local Union #3 FCU Rates & Review April 2026

Q: How many branches does OE Local Union #3 FCU operate?

OE Local Union #3 FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join OE Local Union #3 FCU?

Yes, to access services at OE Local Union #3 FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, OE Local Union #3 FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OE Local Union #3 FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare OE Local Union #3 FCU rates to other rates in our database, including 12-month share certificate rates currently at 1.76%, 6-month share certificate rates at 1.50% and 3-month share certificate rates at 0.05%. Savings rates are at 0.50% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to OE Local Union #3 FCU rates. MonitorBankRates evaluates the financial stability of OE Local Union #3 FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates were last updated on 04/23/2026.

OE Local Union #3 FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OE Local Union #3 FCU? Share your experience about OE Local Union #3 FCU by leaving a review below, or read customer reviews before you decide to use OE Local Union #3 FCU.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.03%

Excellent Lower than avg

OE Local Union #3 FCU
Admin Offices

250 N Canyons Pkwy
Livermore, CA 94551

https://oefederal.org

Current Rate Availability

We do not have OE Local Union #3 FCU rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for OE Local Union #3 FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather OE Local Union #3 FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OE Local Union #3 FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OE Local Union #3 FCU

Website https://oefederal.org

Address 250 N Canyons Pkwy, Livermore, CA 94551

Phone 925-454-4000

Fax 925-449-7801

President Dan Reding

CEO Jeff Hampton

Full-Time Employees 204

Part-Time Employees 2

Branch Locations 27

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.03%

Return on Assets (ROA)

0.7050%

Return on Equity (ROE)

4.7112%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

1,623,150,890

Total Amount of Shares and Deposits

1,383,364,772

Total Shares and Deposits < 1 Year

1,356,150,167

Total Shares and Deposits 1 3 Years

18,373,657

Total Shares and Deposits > 3 Years

8,840,950

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

278,676,076

Total Uninsured Shares and Deposits > $250K (F+J)

278,676,076

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,104,688,696

Total Interest Expense (Sum of items 6 8)

14,865,818

Share Certificates

7,878

Number of Accounts for Share Drafts

82,047

IRA KEOGH Accounts

3,418

Number of Accounts for Regular Shares

137,540

Money Market Shares

3,341

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

85,681,619

Total Liabilities

1,397,746,059

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for OE Local Union #3 FCU yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About OE Local Union #3 FCU

Is OE Local Union #3 FCU a safe place to deposit money?

Yes, OE Local Union #3 FCU is considered a safe financial institution. With a Texas Ratio of 2.0347144176486%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does OE Local Union #3 FCU operate?

OE Local Union #3 FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join OE Local Union #3 FCU?

Yes, to access services at OE Local Union #3 FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, OE Local Union #3 FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OE Local Union #3 FCU provides members with tools to manage their accounts and build a solid financial history.

Does OE Local Union #3 FCU offer online and mobile banking?

Most modern institutions like OE Local Union #3 FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://oefederal.org.