Greylock Federal Credit Union

250 Stockbridge Rd
Great Barrington, MA 01230
(800)207-5555.
www.greylock.org

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Greylock Federal Credit Union is headquartered in Pittsfield and is the 3^rd largest credit union in the state of Massachusetts. It is also the 142^nd largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 202 employees and 70,911 members. Greylock Federal Credit Union has a 3-star health rating.

2.75% 18-Month CD & 4.00% 60-Month CD at Greylock FCU in MA - Local Only - 12/8/2009

Greylock Federal Credit Union has a CD promotion called One Way CD with some very competitive rates. These include:4.00% APY 60 months3.25% APY 36 months2.75% APY 18 monthsThese are listed in the credit union's promotions page as of 12/08/09. The small...

2.50% 10-Month CD at Greylock FCU in MA - Local Only - 6/26/2009

Greylock Federal Credit Union is offering a few competitive term share certificates. The most competitive include a 2.25% APY 7-month CD, a 2.50% APY 10-month CD and a 2.75% APY 24-month CD. Minimum deposit is $1,000. These rates are listed in the...

5.00% 48-Month / 4.00% 9-Month CD at Greylock FCU in Massachusetts - 9/24/2008

Greylock Federal Credit Union is offering a few competitive term share certificates. These include a 4.00% APY 9-month certificate and a 5.00% APY certificate for terms of 4 and 5 years. The minimum deposit is $1,000. It's also available as an IRA...

4.00% 24-Month CD at a Massachusetts CU (Greylock). - 4/14/2008

Update 5/10/08: The CD promotion has ended. Please see the credit union's website for the latest CD rates.Greylock Federal Credit Union has two promotional CDs called Leap-Up Term Share Certificates. These CDs have a yield of 4.00% APY with terms of 24...

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

Greylock Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
1.00%	-	-	IOLTA Checking
0.45%	$100k	-	High Yield Business Checking
0.10%	$15	-	Basic Business Checking

Greylock Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.60%	$200k	-	IRA Advantage Share
0.60%	$200k	-	Roth IRA Advantage Share
0.60%	$200k	-	CESA Advantage Share
0.40%	$100k	-	Share Preferred Account
0.40%	$100k	-	Business Share Preferred Account
0.40%	$15	-	Holiday Club Account
0.15%	$15	-	Share Account
0.15%	$15	-	Kids Share Account
0.15%	$15	-	IRA Variable
0.15%	$15	-	Business Share Account
0.15%	$15	-	Roth IRA Variable
0.15%	$15	-	CESA Variable

Greylock Federal Credit Union Money Market Rates

Apy	Min	Max	Product
0.65%	$100k	-	Online Advantage Money Market Account
0.65%	$100k	-	Business Online Advantage Money Market Account
0.60%	$100k	-	Advantage Money Market Account
0.60%	$100k	-	Business Advantage Money Market Account

Greylock Federal Credit Union CD Rates

Apy	Min	Max	Product
1.90%	$1k	-	60 Month Loyalty Certificate
1.70%	$1k	-	5 Year CD
1.70%	$1k	-	5 Year Business CD
1.70%	$100k	-	5 Year Jumbo Business CD
1.70%	$1k	-	Child's Play Term Share Certificate
1.70%	$100k	-	5 Year Jumbo CD
1.50%	$1k	-	4 Year CD
1.50%	$1k	-	4 Year Business CD
1.50%	$100k	-	4 Year Jumbo Business CD
1.50%	$100k	-	4 Year Jumbo CD
1.25%	$1k	-	3 Year CD
1.25%	$1k	-	3 Year Business CD
1.25%	$100k	-	3 Year Jumbo Business CD
1.25%	$100k	-	3 Year Jumbo CD
0.95%	$1k	-	2 Year CD
0.95%	$1k	-	2 Year Business CD
0.95%	$100k	-	2 Year Jumbo Business CD
0.95%	$100k	-	2 Year Jumbo CD
0.80%	$1k	-	18 Month CD
0.80%	$1k	-	18 Month Business CD
0.80%	$100k	-	18 Month Jumbo Business CD
0.80%	$100	-	1 Year College Savings Term Share Certificate
0.80%	$100	-	1 Year Youth Club Term Share Certificate
0.80%	$100k	-	18 Month Jumbo CD
0.65%	$1k	-	20 Month Loyalty Certificate
0.65%	$1k	-	10 Month Loyalty Certificate
0.60%	$1k	-	1 Year CD
0.60%	$1k	-	14 Month CD
0.60%	$1k	-	15 Month CD
0.60%	$1k	-	1 Year Business CD
0.60%	$1k	-	14 Month Business CD
0.60%	$1k	-	15 Month Business CD
0.60%	$100k	-	1 Year Jumbo Business CD
0.60%	$100k	-	14 Month Jumbo Business CD
0.60%	$100k	-	15 Month Jumbo Business CD
0.60%	$100k	-	1 Year Jumbo CD
0.60%	$100k	-	14 Month Jumbo CD
0.60%	$100k	-	15 Month Jumbo CD
0.30%	$1k	-	6 Month CD
0.30%	$1k	-	7 Month CD
0.30%	$1k	-	8 Month CD
0.30%	$1k	-	9 Month CD
0.30%	$1k	-	10 Month CD
0.30%	$1k	-	11 Month CD
0.30%	$1k	-	6 Month Business CD
0.30%	$1k	-	7 Month Business CD
0.30%	$1k	-	8 Month Business CD
0.30%	$1k	-	9 Month Business CD
0.30%	$1k	-	10 Month Business CD
0.30%	$1k	-	11 Month Business CD
0.30%	$100k	-	6 Month Jumbo Business CD
0.30%	$100k	-	7 Month Jumbo Business CD
0.30%	$100k	-	8 Month Jumbo Business CD
0.30%	$100k	-	9 Month Jumbo Business CD
0.30%	$100k	-	6 Month Jumbo CD
0.30%	$100k	-	7 Month Jumbo CD
0.30%	$100k	-	8 Month Jumbo CD
0.30%	$100k	-	9 Month Jumbo CD

Greylock Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.90%	$1k	-	60 Month IRA Loyalty Certificate
1.90%	$1k	-	60 Month Roth IRA Loyalty Certificate
1.90%	$1k	-	60 Month CESA Loyalty Certificate
1.70%	$1k	-	5 Year IRA
1.70%	$100k	-	5 Year Jumbo IRA
1.70%	$1k	-	5 Year Roth IRA
1.70%	$100k	-	5 Year Jumbo Roth IRA
1.70%	$1k	-	5 Year CESA
1.70%	$100k	-	5 Year Jumbo CESA
1.50%	$1k	-	4 Year IRA
1.50%	$100k	-	4 Year Jumbo IRA
1.50%	$1k	-	4 Year Roth IRA
1.50%	$100k	-	4 Year Jumbo Roth IRA
1.50%	$1k	-	4 Year CESA
1.50%	$100k	-	4 Year Jumbo CESA
1.25%	$1k	-	3 Year IRA
1.25%	$100k	-	3 Year Jumbo IRA
1.25%	$1k	-	3 Year Roth IRA
1.25%	$100k	-	3 Year Jumbo Roth IRA
1.25%	$1k	-	3 Year CESA
1.25%	$100k	-	3 Year Jumbo CESA
0.95%	$1k	-	2 Year IRA
0.95%	$100k	-	2 Year Jumbo IRA
0.95%	$1k	-	2 Year Roth IRA
0.95%	$100k	-	2 Year Jumbo Roth IRA
0.95%	$1k	-	2 Year CESA
0.95%	$100k	-	2 Year Jumbo CESA
0.80%	$1k	-	18 Month IRA
0.80%	$100k	-	18 Month Jumbo IRA
0.80%	$1k	-	18 Month Roth IRA
0.80%	$100k	-	18 Month Jumbo Roth IRA
0.80%	$1k	-	18 Month CESA
0.80%	$100k	-	18 Month Jumbo CESA
0.65%	$1k	-	20 Month Loyalty IRA Certificate
0.65%	$1k	-	20 Month Loyalty Roth IRA Certificate
0.65%	$1k	-	20 Month Loyalty CESA Certificate
0.65%	$1k	-	10 Month IRA Loyalty Certificate
0.65%	$1k	-	10 Month Roth IRA Loyalty Certificate
0.65%	$1k	-	10 Month CESA Loyalty Certificate
0.60%	$1k	-	1 Year IRA
0.60%	$1k	-	15 Month IRA
0.60%	$100k	-	1 Year Jumbo IRA
0.60%	$1k	-	1 Year Roth IRA
0.60%	$100k	-	1 Year Jumbo Roth IRA
0.60%	$1k	-	15 Month Roth IRA
0.60%	$1k	-	1 Year CESA
0.60%	$100k	-	1 Year Jumbo CESA
0.60%	$1k	-	15 Month CESA
0.30%	$1k	-	6 Month IRA
0.30%	$1k	-	7 Month IRA
0.30%	$1k	-	8 Month IRA
0.30%	$1k	-	9 Month IRA
0.30%	$1k	-	10 Month IRA
0.30%	$1k	-	11 Month IRA
0.30%	$100k	-	6 Month Jumbo IRA
0.30%	$1k	-	6 Month Roth IRA
0.30%	$100k	-	6 Month Jumbo Roth IRA
0.30%	$1k	-	7 Month Roth IRA
0.30%	$1k	-	8 Month Roth IRA
0.30%	$1k	-	9 Month Roth IRA
0.30%	$1k	-	10 Month Roth IRA
0.30%	$1k	-	11 Month Roth IRA
0.30%	$1k	-	6 Month CESA
0.30%	$100k	-	6 Month Jumbo CESA
0.30%	$1k	-	7 Month CESA
0.30%	$1k	-	8 Month CESA
0.30%	$1k	-	9 Month CESA
0.30%	$1k	-	10 Month CESA
0.30%	$1k	-	11 Month CESA

Rates updated: 2/10/2012 * Not all products updated

Data for Q3 2011

Institution Statistics

GREYLOCK
NCUA #	24560
BankRate Report	View
Year Established	1935
Employees	202
Primary Regulator
Assets and Liabilities
Assets	$1.20 billion
Loans	$957.53 million
Deposits	$1.10 billion
Equity Capital	$93.66 million
Loan Loss Allowance	$17.96 million
Unbacked Noncurrent Loans	$30.73 million
Real Estate Owned	$2.49 million
Historic Data - September 2010
Assets	$1.25 billion
Equity Capital	$91.82 million
Loan Loss Allowance	$14.66 million
Unbacked Noncurrent Loans	$24.95 million
Real Estate Owned	$829,000
Profit Margin - Quarterly
Net Interest Margin	2.58%
Return on Assets	0.37%
Return on Equity	4.76%
Interest Income	$38.22 million
Non-Interest Income	$10.43 million

Institution Health

Overall Score:

3 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 September 30, 2011 Greylock Federal Credit Union had $33.22 million in non-current loans and owned real-estate with $111.62 million in equity and loan loss allowances on hand to cover it. This gives Greylock Federal Credit Union a Texas Ratio of 29.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Greylock Federal Credit Union increased slightly from 24.21% as of September 30, 2010 to 29.76% as of September 30, 2011, resulting in a negative change of 22.95%. This indicates that the balance sheet and financial strength for Greylock Federal Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Greylock Federal Credit Union has increased its total deposits by $8.77 million, resulting in 0.8% 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 Greylock Federal Credit Union has shown is 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. Greylock Federal Credit Union has $1.2 billion in assets with $111.62 million in equity, resulting in a capitalization level of 9.26%, which is average.