Transportation Credit Union

1200 New Jersey Ave SE West Wing, 1st Floor
Alexandria, VA 22314
(800) 368-8432
www.transfcu.org

NCUA

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Transportation Credit Union is headquartered in Washington and is the 7^th largest credit union in the District of Columbia. It is also the 952^nd largest credit union in the nation. It was established in 1939 and as of December of 2012, it had grown to 53 employees and 18,818 members. Transportation Credit Union has a 5-star health rating.

Competitive CD Rates at Transportation FCU - Limited Membership - 3/29/2012

It doesn't look like it's easy to qualify for membership at Transportation Federal Credit Union . If you can find a way to qualify, you'll have access to some very competitive CD and IRA CD rates. The ...

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

Transportation Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Convenience Checking
0.05%	-	-	On the Move Checking

Transportation Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	$25	-	IRA Share Account
0.30%	$25	-	Roth IRA Share Account
0.30%	$25	-	CESA Share Account
0.10%	-	-	Regular Savings Account
0.10%	-	-	Club Account
0.10%	-	-	Life Savings Account

Transportation Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Money Market Account

Transportation Credit Union CD Rates

Apy	Min	Max	Product
1.91%	$100k	-	5 Year Jumbo CD
1.81%	$1k	-	5 Year CD
1.61%	$100k	-	4 Year Jumbo CD
1.51%	$1k	-	4 Year CD
1.26%	$100k	-	3 Year Jumbo CD
1.15%	$1k	-	3 Year CD
0.95%	$100k	-	2 Year Jumbo CD
0.85%	$1k	-	2 Year CD
0.70%	$100k	-	1 Year Jumbo CD
0.60%	$1k	-	1 Year CD
0.40%	$1k	-	6 Month Money Market CD
0.30%	$250	-	6 Month Affordable CD
0.20%	$25	-	12 Month First Step CD

Transportation Credit Union IRA Rates

Apy	Min	Max	Product
2.17%	$100k	-	5 Year Jumbo Traditional IRA
2.17%	$100k	-	5 Year Jumbo Roth IRA
2.17%	$100k	-	5 Year Jumbo CESA
2.07%	$1k	-	5 Year Roth IRA
2.07%	$1k	-	5 Year Traditional IRA
2.07%	$1k	-	5 Year CESA
1.86%	$100k	-	4 Year Jumbo CESA
1.86%	$100k	-	4 Year Jumbo Roth IRA
1.86%	$100k	-	4 Year Jumbo Traditional IRA
1.76%	$1k	-	4 Year CESA
1.76%	$1k	-	4 Year Roth IRA
1.76%	$1k	-	4 Year Traditional IRA
1.51%	$100k	-	3 Year Jumbo Traditional IRA
1.51%	$100k	-	3 Year Jumbo Roth IRA
1.51%	$100k	-	3 Year Jumbo CESA
1.41%	$1k	-	3 Year Roth IRA
1.41%	$1k	-	3 Year Traditional IRA
1.41%	$1k	-	3 Year CESA
1.21%	$100k	-	2 Year Jumbo CESA
1.21%	$100k	-	2 Year Jumbo Roth IRA
1.21%	$100k	-	2 Year Jumbo Traditional IRA
1.10%	$1k	-	2 Year CESA
1.10%	$1k	-	2 Year Roth IRA
1.10%	$1k	-	2 Year Traditional IRA
0.95%	$100k	-	1 Year Jumbo Traditional IRA
0.95%	$100k	-	1 Year Jumbo Roth IRA
0.95%	$100k	-	1 Year Jumbo CESA
0.85%	$1k	-	1 Year Roth IRA
0.85%	$1k	-	1 Year Traditional IRA
0.85%	$1k	-	1 Year CESA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

TRANSPORTATION
NCUA #	3140
BankRate Report	View
Year Chartered	1939
Employees	53
Primary Regulator
Assets and Liabilities
Assets	$184.50 million
Loans	$93.05 million
Deposits	$164.57 million
Equity Capital	$17.61 million
Loan Loss Allowance	$1.12 million
Unbacked Noncurrent Loans	$522,000
Historic Data - December 2011
Assets	$175.08 million
Equity Capital	$17.96 million
Loan Loss Allowance	$1.27 million
Unbacked Noncurrent Loans	$689,000
Profit Margin - Quarterly
Net Interest Margin	5.58%
Return on Assets	0.06%
Return on Equity	0.65%
Interest Income	$6.43 million
Non-Interest Income	$2.04 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 Transportation Credit Union had $522,000 in non-current loans and owned real-estate with $18.73 million in equity and loan loss allowances on hand to cover it. This gives Transportation Credit Union a Texas Ratio of 2.79% 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 Transportation Credit Union decreased slightly from 3.58% as of December 31, 2011 to 2.79% as of December 31, 2012, resulting in a positive change of 22.22%.This indicates that the balance sheet and financial strength for Transportation Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Transportation Credit Union has increased its total deposits by $9.41 million, resulting in 6.07% 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 Transportation Credit Union 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. Transportation Credit Union has $184.5 million in assets with $18.73 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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Transportation Credit Union

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