Community CU (FL)

Community CU (FL) Locations
1030 S US Highway 1
Rockledge, FL 32955
321-690-2328
www.ccuflorida.org

NCUA

Community CU (FL) is headquartered in Rockledge and is the 28th largest credit union in the state of Florida. It is also the 507th largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 80 employees and 33,453 members. Community CU (FL)'s savings rates are 3X the national average, and it boasts a 5-star health rating.

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3.05% 5-Year CD At Community Credit Union In East Central Florida (Forum) - 7/2/2010

Community Credit Union's 60-month CD is the most competitive of its CDs as of 7/2/2010: 3.05% APY 5-year CD, IRA CD and Health Savings certificate Minimum deposit is $1,000 Other accounts to note: 4.50% Serious Saver Account for balances of $100



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See Rates for: Checking | Savings | Money Market | CD | IRA

Community CU (FL) Checking Account Rates

ApyMinMaxProduct
0.60%$50k-Business Interest Checking Plus Account
0.10%$750-Share Drafts
0.10%$5k-Clear Checking
0.10%$4k-Business Interest Checking Account

Community CU (FL) Savings Account Rates

ApyMinMaxProduct
3.00%$100$500Serious Saver Account
1.31%$1k-60 Month Health Savings Certificates
1.05%--Health Savings Account
0.90%$1k-48 - 50 Month Health Savings Certificates
0.90%$1k-51 - 53 Month Health Savings Certificates
0.90%$1k-54 - 56 Month Health Savings Certificates
0.90%$1k-57 - 59 Month Health Savings Certificates
0.65%--IRA Super Savers Account
0.65%--Roth IRA Super Savers Account
0.65%--CESA Super Savers Account
0.60%$1k-30 - 32 Month Health Savings Certificates
0.60%$1k-33 - 35 Month Health Savings Certificates
0.60%$1k-36 - 38 Month Health Savings Certificates
0.60%$1k-42 - 44 Month Health Savings Certificates
0.60%$1k-45 - 47 Month Health Savings Certificates
0.60%$500k-Premium Savings
0.60%$1k-39 - 41 Month Health Savings Certificates
0.50%$1k-15 - 17 Month Health Savings Certificates
0.50%$1k-18 - 20 Month Health Savings Certificates
0.50%$1k-21 - 23 Month Health Savings Certificates
0.50%$1k-24 - 26 Month Health Savings Certificates
0.50%$1k-27 - 29 Month Health Savings Certificates
0.40%--IRA Share
0.40%--Roth IRA Share
0.40%--CESA Share
0.30%$1k-12 - 14 Month Health Savings Certificates
0.30%$100k-Shares
0.25%$1k-3 - 5 Month Health Savings Certificates
0.25%$1k-6 - 8 Month Health Savings Certificates
0.25%$1k-9 - 11 Month Health Savings Certificates
0.25%--Clubs Account

Community CU (FL) Money Market Rates

ApyMinMaxProduct
0.45%$100k-Money Market Accounts

Community CU (FL) CD Rates

ApyMinMaxProduct
1.31%$1k-60 Month Share Certificate
0.90%$1k-48 - 50 Month Share Certificate
0.90%$1k-51 - 53 Month Share Certificate
0.90%$1k-54 - 56 Month Share Certificate
0.90%$1k-57 - 59 Month Share Certificate
0.60%$1k-30 - 32 Month Share Certificate
0.60%$1k-33 - 35 Month Share Certificate
0.60%$1k-36 - 38 Month Share Certificate
0.60%$1k-42 - 44 Month Share Certificate
0.60%$1k-45 - 47 Month Share Certificate
0.60%$1k-39 - 41 Month Share Certificate
0.50%$1k-15 - 17 Month Share Certificate
0.50%$1k-18 - 20 Month Share Certificate
0.50%$1k-21 - 23 Month Share Certificate
0.50%$1k-24 - 26 Month Share Certificate
0.50%$1k-27 - 29 Month Share Certificate
0.30%$1k-12 - 14 Month Share Certificate
0.25%$1k-3 - 5 Month Share Certificate
0.25%$1k-6 - 8 Month Share Certificate
0.25%$1k-9 - 11 Month Share Certificate

Community CU (FL) IRA Rates

ApyMinMaxProduct
1.31%$1k-60 Month IRA Share Certficate
1.31%$1k-60 Month Roth IRA Share Certificate
1.31%$1k-60 Month CESA Share Certficate
0.90%$1k-48 - 50 Month IRA Share Certificate
0.90%$1k-51 - 53 Month IRA Share Certificate
0.90%$1k-54 - 56 Month IRA Share Certificate
0.90%$1k-57 - 59 Month IRA Share Certificate
0.90%$1k-48 - 50 Month Roth IRA Share Certificate
0.90%$1k-51 - 53 Month Roth IRA Share Certificate
0.90%$1k-54 - 56 Month Roth IRA Share Certificate
0.90%$1k-57 - 59 Month Roth IRA Share Certificate
0.90%$1k-48 - 50 Month CESA Share Certificate
0.90%$1k-51 - 53 Month CESA Share Certificate
0.90%$1k-54 - 56 Month CESA Share Certificate
0.90%$1k-57 - 59 Month CESA Share Certificate
0.60%$1k-30 - 32 Month IRA Share Certificate
0.60%$1k-33 - 35 Month IRA Share Certificate
0.60%$1k-36 - 38 Month IRA Share Certificate
0.60%$1k-42 - 44 Month IRA Share Certificate
0.60%$1k-45 - 47 Month IRA Share Certificate
0.60%$1k-30 - 32 Month Roth IRA Share Certificate
0.60%$1k-33 - 35 Month Roth IRA Share Certificate
0.60%$1k-36 - 38 Month Roth IRA Share Certificate
0.60%$1k-42 - 44 Month Roth IRA Share Certificate
0.60%$1k-45 - 47 Month Roth IRA Share Certificate
0.60%$1k-30 - 32 Month CESA Share Certificate
0.60%$1k-33 - 35 Month CESA Share Certificate
0.60%$1k-36 - 38 Month CESA Share Certificate
0.60%$1k-42 - 44 Month CESA Share Certificate
0.60%$1k-45 - 47 Month CESA Share Certificate
0.60%$1k-39 - 41 Month CESA Share Certificate
0.60%$1k-39 - 41 Month IRA Share Certificate
0.60%$1k-39 - 41 Month Roth IRA Share Certificate
0.50%$1k-15 - 17 Month IRA Share Certificate
0.50%$1k-18 - 20 Month IRA Share Certificate
0.50%$1k-21 - 23 Month IRA Share Certificate
0.50%$1k-24 - 26 Month IRA Share Certificate
0.50%$1k-27 - 29 Month IRA Share Certificate
0.50%$1k-15 - 17 Month Roth IRA Share Certificate
0.50%$1k-18 - 20 Month Roth IRA Share Certificate
0.50%$1k-21 - 23 Month Roth IRA Share Certificate
0.50%$1k-24 - 26 Month Roth IRA Share Certificate
0.50%$1k-27 - 29 Month Roth IRA Share Certificate
0.50%$1k-15 - 17 Month CESA Share Certificate
0.50%$1k-18 - 20 Month CESA Share Certificate
0.50%$1k-21 - 23 Month CESA Share Certificate
0.50%$1k-24 - 26 Month CESA Share Certificate
0.50%$1k-27 - 29 Month CESA Share Certificate
0.30%$1k-12 - 14 Month IRA Share Certificate
0.30%$1k-12 - 14 Month Roth IRA Share Certificate
0.30%$1k-12 - 14 Month CESA Share Certificate
0.25%$1k-3 - 5 Month IRA Share Certificate
0.25%$1k-6 - 8 Month IRA Share Certificate
0.25%$1k-9 - 11 Month IRA Share Certificate
0.25%$1k-3 - 5 Month Roth IRA Share Certificate
0.25%$1k-6 - 8 Month Roth IRA Share Certificate
0.25%$1k-9 - 11 Month Roth IRA Share Certificate
0.25%$1k-3 - 5 Month CESA Share Certificate
0.25%$1k-6 - 8 Month CESA Share Certificate
0.25%$1k-9 - 11 Month CESA Share Certificate

Rates updated: 5/17/2013

Data for Q4 2012


Institution Statistics


COMMUNITY
NCUA #60816
BankRate ReportView
Year Chartered1953
Employees80
Primary Regulator

Assets and Liabilities

Assets$408.39 million
Loans$314.59 million
Deposits$366.71 million
Equity Capital$39.31 million
Loan Loss Allowance$12.35 million
Unbacked Noncurrent Loans$5.58 million
Real Estate Owned$18,000

Historic Data - December 2011

Assets$383.81 million
Equity Capital$34.01 million
Loan Loss Allowance$11.95 million
Unbacked Noncurrent Loans$4.50 million
Real Estate Owned$88,000

Profit Margin - Quarterly

Net Interest Margin5.45%
Return on Assets1.55%
Return on Equity16.09%
Interest Income$18.54 million
Non-Interest Income$5.15 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Community CU (FL) had $5.6 million in non-current loans and owned real-estate with $51.67 million in equity and loan loss allowances on hand to cover it. This gives Community CU (FL) a Texas Ratio of 10.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Community CU (FL) held steady from 9.98% as of December 31, 2011 to 10.84% as of December 31, 2012, resulting in a negative change of 8.61%. This indicates that the balance sheet and financial strength for Community CU (FL) has held steady in recent periods.
Deposit Growth5
In the past year, Community CU (FL) has increased its total deposits by $19.28 million, resulting in 5.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community CU (FL) has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community CU (FL) has $408.39 million in assets with $51.67 million in equity, resulting in a capitalization level of 12.65%, which is excellent.
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