Overview / Commentary
1St Cooperative Federal Credit Union is headquartered in Cayce and is the 46th largest credit union in the state of South Carolina. It is also the 3,627th largest credit union in the nation. It was established in 1970 and as of December of 2018, it had grown to 3 employees and 2,382 members at 1 location. 1St Cooperative Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership is open to employees of South Carolina Electric Cooperative and its directors/trustees and members.
See current membership details
Health
B+
Data as of Q4 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1St Cooperative Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 24627 |
| Year Chartered | 1970 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.99% |
| Return on Equity - YTD | 7.3% |
| Annual Interest Income | $720.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $15.3MM$14.7MM |
| Loans | Q4 2018vs Q4 2017 | $13.2MM$11.0MM |
| Deposits | Q4 2018vs Q4 2017 | $13.2MM$12.7MM |
| Equity Capital | Q4 2018vs Q4 2017 | $2.1MM$2.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $16.00K$5.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $0$1,000 |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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1St Cooperative Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $5 | - | Holiday Helper Account | |
| 0.20% | $5 | - | Vacation Account | |
| 0.10% | $25 | - | Regular Share Account | |
| 0.10% | $25 | - | Kid's Club Account | |
| 0.10% | $25 | - | Teen Savers |
1St Cooperative Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $300 | - | 1st Choice Checking |
1St Cooperative Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.32% | $5k | - | 9 Months CD Special - New Money | |
| 0.85% | $1k | - | 24 Month CD | |
| 0.65% | $1k | - | 12 Month CD | |
| 0.55% | $500 | - | 6 Month CD | |
| 0.45% | $500 | - | 3 Month CD |
Locations
| 1St Cooperative Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 808 Knox Abbott Dr | Cayce, SC 29033-3318 |