Fairfax County Credit Union

P.O. Box 1300
Fairfax, VA 22038
703-218-9900
www.fairfaxcu.org

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Fairfax County Credit Union is headquartered in FAIRFAX and is the 24^th largest credit union in the state of Virginia. It is also the 738^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 50 employees and 15,951 members. Fairfax County Credit Union has a 5-star health rating.

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

Fairfax County Credit Union Checking Account Rates

Apy	Min	Max	Product
0.02%	$2,500	-	Cornerstone Gold Checking Account
0.02%	$25k	-	Advantage Gold Checking Account

Fairfax County Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$500	$500k	Regular Savings Account
0.10%	$100	-	Holiday Club Account
0.10%	$100	-	Vacation Club Account
0.10%	-	$500k	Roth IRA
0.10%	-	$500k	Traditional IRA
0.10%	$2k	-	Coverdell ESA

Fairfax County Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$100k	$500k	Money Market Relationship Account
0.30%	$100k	$500k	Money Market Account
0.30%	$100k	$500k	IRA Money Market Account

Fairfax County Credit Union CD Rates

Apy	Min	Max	Product
1.45%	$5k	-	66 Month Step Up Share Certificate Special
1.45%	$2,500	-	60 Month Share Certificate
1.21%	$2,500	-	48 Month Share Certificate
0.90%	$2,500	-	36 Month Share Certificate
0.75%	$2,500	-	24 Month Share Certificate
0.65%	$2,500	-	12 Month Share Certificate
0.40%	$2,500	-	6 Month Share Certificate
0.30%	$2,500	-	3 Month Share Certificate

Fairfax County Credit Union IRA Rates

Apy	Min	Max	Product
1.45%	$2,500	-	60 Month IRA Certificate
1.45%	$5k	-	66 Month Step Up IRA Certificate Special
1.45%	$2,500	-	60 Month Roth IRA Certificate
1.45%	$5k	-	66 Month Step Up Roth IRA Certificate Special
1.45%	$2,500	-	60 Month CESA Certificate
1.45%	$5k	-	66 Month Step Up CESA Certificate Special
1.21%	$2,500	-	48 Month IRA Certificate
1.21%	$2,500	-	48 Month Roth IRA Certificate
1.21%	$2,500	-	48 Month CESA Certificate
0.90%	$2,500	-	36 Month IRA Certificate
0.90%	$2,500	-	36 Month Roth IRA Certificate
0.90%	$2,500	-	36 Month CESA Certificate
0.75%	$2,500	-	24 Month IRA Certificate
0.75%	$2,500	-	24 Month Roth IRA Certificate
0.75%	$2,500	-	24 Month CESA Certificate
0.65%	$2,500	-	12 Month IRA Certificate
0.65%	$2,500	-	12 Month Roth IRA Certificate
0.65%	$2,500	-	12 Month CESA Certificate
0.40%	$2,500	-	6 Month IRA Certificate
0.40%	$2,500	-	6 Month Roth IRA Certificate
0.40%	$2,500	-	6 Month CESA Certificate
0.30%	$2,500	-	3 Month IRA Certificate
0.30%	$2,500	-	3 Month Roth IRA Certificate
0.30%	$2,500	-	3 Month CESA Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

FAIRFAX COUNTY
NCUA #	24658
BankRate Report	View
Year Chartered	1958
Employees	50
Primary Regulator
Assets and Liabilities
Assets	$246.39 million
Loans	$96.45 million
Deposits	$187.93 million
Equity Capital	$20.52 million
Loan Loss Allowance	$2.19 million
Unbacked Noncurrent Loans	$156,000
Real Estate Owned	$562,000
Historic Data - December 2010
Assets	$238.53 million
Equity Capital	$19.13 million
Loan Loss Allowance	$2.65 million
Unbacked Noncurrent Loans	$552,000
Real Estate Owned	$300,000
Profit Margin - Quarterly
Net Interest Margin	4.9%
Return on Assets	0.66%
Return on Equity	7.92%
Interest Income	$9.38 million
Non-Interest Income	$2.97 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, 2011 Fairfax County Credit Union had $718,000 in non-current loans and owned real-estate with $22.71 million in equity and loan loss allowances on hand to cover it. This gives Fairfax County Credit Union a Texas Ratio of 3.16% 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 Fairfax County Credit Union decreased slightly from 3.91% as of December 31, 2010 to 3.16% as of December 31, 2011, resulting in a positive change of 19.18%.This indicates that the balance sheet and financial strength for Fairfax County Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Fairfax County Credit Union has increased its total deposits by $5.25 million, resulting in 2.87% 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 Fairfax County Credit Union has shown is above average.
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. Fairfax County Credit Union has $246.39 million in assets with $22.71 million in equity, resulting in a capitalization level of 9.22%, which is average.

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