EECU

1617 W 7th Street
Fort Worth, TX 76102
817-882-0000
www.eecu.org

NCUA

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EECU is headquartered in Fort Worth and is the 10^st largest credit union in the state of Texas. It is also the 119^st largest credit union in the nation. It was established in 1934 and as of December of 2012, it had grown to 236 employees and 167,849 members. EECU has a 5-star health rating.

EECU Routing Number: 111994241

Top Long-Term CD & IRA CD Rates at EECU in Fort Worth Texas - Local Only - 7/14/2011

EECU is offering competitive long-term CD and IRA CD rates. The Jumbo IRA CDs with a $50K minimum deposit have the best rates: 2.90% APY for 5 years and 2.65% APY for 4 years. The non-Jumbo IRA CDs wh ...

Top 4-Year & 5-Year CD Rates at EECU in Texas - Local Only - 7/18/2010

EECU is offering several competitive CD and IRA CD rates. The most competitive ones include a 3.00% APY 48-month CD and a 3.15% APY 60-month CD. Minimum deposit is $1,000. Higher rates are available f ...

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

EECU Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$1k	-	Real Worth with Interest Checking

EECU Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Variable IRA Savings
0.10%	$100	-	Share Savings
0.10%	-	-	Dollar Dog Savings
0.10%	-	-	Young Investors

EECU Money Market Rates

Apy	Min	Max	Product
0.25%	$90k	-	Money Market Checking
0.20%	$10k	-	Money Market Savings
0.20%	$10k	-	High Yield Money Market Relationship Account

EECU CD Rates

Apy	Min	Max	Product
1.50%	$1k	$50k	60 Month CD
1.50%	$50k	-	60 Month Jumbo CD
1.25%	$1k	$50k	48 Month CD
1.25%	$50k	-	48 Month Jumbo CD
1.00%	$1k	$50k	36 Month CD
1.00%	$50k	-	36 Month Jumbo CD
0.80%	$1k	$50k	24 Month CD
0.80%	$50k	-	24 Month Jumbo CD
0.75%	$5k	-	24 Month Bump Rate CD
0.60%	$1k	$50k	18 Month CD
0.60%	$50k	-	18 Month Jumbo CD
0.55%	$5k	-	18 Month Bump Rate CD
0.50%	$1k	$50k	12 Month CD
0.50%	$1k	-	12 Month Online High Yield CD
0.50%	$50k	-	12 Month Jumbo CD
0.45%	$5k	-	12 Month Bump Rate CD
0.35%	$1k	$50k	9 Month CD
0.35%	$50k	-	9 Month Jumbo CD
0.30%	$1k	$50k	6 Month CD
0.30%	$50k	-	6 Month Jumbo CD
0.20%	$1k	$50k	3 Month CD
0.20%	$50k	-	3 Month Jumbo CD

EECU IRA Rates

Apy	Min	Max	Product
1.50%	$1k	$50k	60 Month Fixed IRA
1.50%	$50k	-	60 Month Fixed Jumbo IRA
1.50%	$1k	$50k	60 Month Fixed Roth IRA
1.50%	$50k	-	60 Month Fixed Jumbo Roth IRA
1.50%	$1k	$50k	60 Month Fixed CESA
1.50%	$50k	-	60 Month Fixed Jumbo CESA
1.50%	$50k	-	60 Month Fixed Jumbo SEP IRA
1.50%	$1k	$50k	60 Month Fixed SEP IRA
1.25%	$1k	$50k	48 Month Fixed IRA
1.25%	$50k	-	48 Month Fixed Jumbo IRA
1.25%	$1k	$50k	48 Month Fixed Roth IRA
1.25%	$50k	-	48 Month Fixed Jumbo Roth IRA
1.25%	$1k	$50k	48 Month Fixed CESA
1.25%	$50k	-	48 Month Fixed Jumbo CESA
1.25%	$50k	-	48 Month Fixed Jumbo SEP IRA
1.25%	$1k	$50k	48 Month Fixed SEP IRA
0.80%	$1k	$50k	24 Month Fixed IRA
0.80%	$50k	-	24 Month Fixed Jumbo IRA
0.80%	$1k	$50k	24 Month Fixed Roth IRA
0.80%	$50k	-	24 Month Fixed Jumbo Roth IRA
0.80%	$1k	$50k	24 Month Fixed CESA
0.80%	$50k	-	24 Month Fixed Jumbo CESA
0.80%	$50k	-	24 Month Fixed Jumbo SEP IRA
0.80%	$1k	$50k	24 Month Fixed SEP IRA
0.60%	$1k	$50k	18 Month Fixed IRA
0.60%	$50k	-	18 Month Fixed Jumbo IRA
0.60%	$1k	$50k	18 Month Fixed Roth IRA
0.60%	$50k	-	18 Month Fixed Jumbo Roth IRA
0.60%	$1k	$50k	18 Month Fixed CESA
0.60%	$50k	-	18 Month Fixed Jumbo CESA
0.60%	$50k	-	18 Month Fixed Jumbo SEP IRA
0.60%	$1k	$50k	18 Month Fixed SEP IRA
0.50%	$1k	$50k	12 Month Fixed IRA
0.50%	$50k	-	12 Month Fixed Jumbo IRA
0.50%	$1k	$50k	12 Month Fixed Roth IRA
0.50%	$50k	-	12 Month Fixed Jumbo Roth IRA
0.50%	$1k	$50k	12 Month Fixed CESA
0.50%	$50k	-	12 Month Fixed Jumbo CESA
0.50%	$50k	-	12 Month Fixed Jumbo SEP IRA
0.50%	$1k	$50k	12 Month Fixed SEP IRA
0.30%	$1k	$50k	6 Month Fixed IRA
0.30%	$50k	-	6 Month Fixed Jumbo IRA
0.30%	$1k	$50k	6 Month Fixed Roth IRA
0.30%	$50k	-	6 Month Fixed Jumbo Roth IRA
0.30%	$1k	$50k	6 Month Fixed CESA
0.30%	$50k	-	6 Month Fixed Jumbo CESA
0.30%	$50k	-	6 Month Fixed Jumbo SEP IRA
0.30%	$1k	$50k	6 Month Fixed SEP IRA

Rates updated: 5/24/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

EECU
NCUA #	67928
BankRate Report	View
Year Chartered	1934
Employees	236
Primary Regulator
Assets and Liabilities
Assets	$1.47 billion
Loans	$1.01 billion
Deposits	$1.28 billion
Equity Capital	$144.17 million
Loan Loss Allowance	$6.25 million
Unbacked Noncurrent Loans	$3.92 million
Real Estate Owned	$130,000
Historic Data - December 2011
Assets	$1.35 billion
Equity Capital	$126.83 million
Loan Loss Allowance	$6.04 million
Unbacked Noncurrent Loans	$4.22 million
Real Estate Owned	$1.29 million
Profit Margin - Quarterly
Net Interest Margin	4.69%
Return on Assets	1.09%
Return on Equity	11.06%
Interest Income	$49.27 million
Non-Interest Income	$21.47 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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 EECU had $4.05 million in non-current loans and owned real-estate with $150.42 million in equity and loan loss allowances on hand to cover it. This gives EECU a Texas Ratio of 2.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for EECU decreased slightly from 4.15% as of December 31, 2011 to 2.70% as of December 31, 2012, resulting in a positive change of 35.09%.This indicates that the balance sheet and financial strength for EECU has improved slightly in recent periods.
Deposit Growth
In the past year, EECU has increased its total deposits by $101.5 million, resulting in 8.58% 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 EECU has shown is excellent.
Capitalization
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. EECU has $1.47 billion in assets with $150.42 million in equity, resulting in a capitalization level of 10.25%, which is above average.

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