Jefferson County Federal Credit Union
9600 Ormsby Station Road
Louisville, KY 40223
(800) 288-5228
www.jcfcu.org
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See Rates for: Checking |
Savings |
Money Market |
CD |
IRA
Jefferson County Federal Credit Union Checking Account Rates
Jefferson County Federal Credit Union Savings Account Rates
|
Apy | Min | Max | Product |
| 0.60% | - | - | IRA Savings |
| 0.35% | $25 | - | Regular Share |
| 0.25% | - | - | Share Certificate Account Builder |
| 0.15% | - | - | Club Accounts |
| 0.15% | - | - | Escrow Account |
Jefferson County Federal Credit Union Money Market Rates
|
Apy | Min | Max | Product |
| 1.35% | $100k | - | Cash Investment Account |
| 1.35% | $100k | - | Corporate Cash Investment Account |
Jefferson County Federal Credit Union CD Rates
|
Apy | Min | Max | Product |
| 2.50% | $500 | - | 60 Month Share Certificate |
| 2.30% | $500 | - | 48 Month Share Certificate |
| 2.00% | $500 | - | 36 Month Share Certificate |
| 1.70% | $500 | - | 24 Month Share Certificate |
| 1.20% | $500 | - | 12 Month Share Certificate |
| 1.05% | $500 | - | 6 Month Share Certificate |
Jefferson County Federal Credit Union IRA Rates
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Apy | Min | Max | Product |
| 2.50% | $500 | - | 60 Month Roth IRA Share Certificate |
| 2.50% | $500 | - | 60 Month CESA IRA Share Certificate |
| 2.50% | $500 | - | 60 Month IRA Share Certificate |
| 2.30% | $500 | - | 48 Month Roth IRA Share Certificate |
| 2.30% | $500 | - | 48 Month CESA Share Certificate |
| 2.30% | $500 | - | 48 Month IRA Share Certificate |
| 2.00% | $500 | - | 36 Month CESA Share Certificate |
| 2.00% | $500 | - | 36 Month Roth IRA Share Certificate |
| 2.00% | $500 | - | 36 Month IRA Share Certificate |
| 1.70% | $500 | - | 24 Month CESA Share Certificate |
| 1.70% | $500 | - | 24 Month Roth IRA Share Certificate |
| 1.70% | $500 | - | 24 Month IRA Share Certificate |
| 1.20% | $500 | - | 12 Month CESA Share Certificate |
| 1.20% | $500 | - | 12 Month IRA Share Certificate |
| 1.20% | $500 | - | 12 Month Roth IRA Share Certificate |
Rates updated: 9/9/2010
Institution Statistics
| NCUA # | 19853 | | BankRate Report | View | | Year Established | 1969 | | Employees | 29 | | Primary Regulator | |
Assets and Liabilities | | Assets | $98.86 million | | Loans | $39.13 million | | Deposits | $85.12 million | | Equity Capital | $13.08 million | | Loan Loss Allowance | $399,000 | | Unbacked Noncurrent Loans | $99,000 |
Historic Data - June 2009 | | Assets | $121.30 million | | Equity Capital | $13.03 million | | Loan Loss Allowance | $221,000 | | Unbacked Noncurrent Loans | $88,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.91% | | Return on Assets | 2.19% | | Return on Equity | 16.57% | | Interest Income | $1.65 million | | Non-Interest Income | $514,000 |
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Institution Health
Overall Score:
4 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 June 1, 2010 Jefferson County Federal Credit Union had $99,000 in non-current loans and owned real-estate with $13.48 million in equity and loan loss allowances on hand to cover it. This gives Jefferson County Federal Credit Union a Texas Ratio of 0.73% 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 Jefferson County Federal Credit Union held steady from 0.66% as of June 1, 2009 to 0.73% as of June 1, 2010, resulting in a negative change of 10.61%. This indicates that the balance sheet and financial strength for Jefferson County Federal Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Jefferson County Federal Credit Union has increased it's total deposits by $2.86 million, resulting in 3.48% 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 Jefferson County 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. Jefferson County Federal Credit Union has $98.86 million in assets with $13.48 million in equity, resulting in a capitalization level of 13.64%, which is average. |
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