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iAdvertiser Disclosure
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 Sorg Bay West Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Sorg Bay West Federal Credit Union's CD of Deposit 12 Month rates are at 3.03%, CD of Deposit 6 Month rates are at 3.03%, IRA CD 12 Month rates are at 3.03%, IRA CD 24 Month rates are at 3.03%, CD of Deposit 24 Month rates are at 2.78%. Sorg Bay West Federal Credit Union's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of Sorg Bay West Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 66.41%. Rates were last updated on 04/18/2026. Sorg Bay West Federal Credit Union 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 Sorg Bay West Federal Credit Union? Share your experience about Sorg Bay West Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sorg Bay West Federal Credit Union. Sorg Bay West Federal Credit Union
SORG BAY WEST FCU 400 N BROAD ST
https://www.sorgbaywest.com MIDDLETOWN, OH 45042 1909 
Sorg Bay West Federal Credit Union CD Rates
Sorg Bay West Federal Credit Union Savings Rates
Sorg Bay West Federal Credit Union Checking Rates
Sorg Bay West Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Sorg Bay West Federal Credit Union 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 Sorg Bay West Federal Credit Union 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 Sorg Bay West Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Sorg Bay West Federal Credit Union
Website
https://www.sorgbaywest.com
Address
400 N BROAD ST,
MIDDLETOWN, OH 45042 1909
Phone
513-422-8697
Fax
513-422-1692
President
CHUCK DOAN
CEO
JOANN MAMALIGAS
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (27/100)
Texas Ratio
66.41%
Return on Assets (ROA)
-1.3678%
Return on Equity (ROE)
-28.8335%
Non-Performing Loans Ratio (NPL)
4.32%
Total Assets
11,735,107
Total Amount of Shares and Deposits
11,056,057
Total Shares and Deposits < 1 Year
10,439,969
Total Shares and Deposits 1 3 Years
616,087
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,056,057
Total Interest Expense (Sum of items 6 8)
213,632
Share Certificates
153
Number of Accounts for Share Drafts
444
IRA KEOGH Accounts
23
Number of Accounts for Regular Shares
1,319
Non Member Deposits
1
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,763,646
Total Liabilities
11,201,528
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Sorg Bay West Federal Credit UnionIs Sorg Bay West Federal Credit Union a safe place to deposit money?Yes, Sorg Bay West Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 66.410804072006%, the institution's financial health is rated as stable. 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 Sorg Bay West Federal Credit Union operate?Sorg Bay West Federal Credit Union 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 Sorg Bay West Federal Credit Union?Yes, to access services at Sorg Bay West Federal Credit Union, 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, Sorg Bay West Federal Credit Union 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, Sorg Bay West Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Sorg Bay West Federal Credit Union offer online and mobile banking?Most modern institutions like Sorg Bay West Federal Credit Union 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://www.sorgbaywest.com. Current Sorg Bay West Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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