Academic Federal Credit Union

Overview / Commentary

www.academicfcu.org

914-923-3608

425 North State Road
Briarcliff Manor, NY 10510

Academic Federal Credit Union is headquartered in Briarcliff Manor and is the 136^th largest credit union in the state of New York. It is also the 2,679^th largest credit union in the nation. It was established in 1979 and as of March of 2019, it had grown to 5 employees and 3,083 members at 1 location. Academic Federal Credit Union's CD rates are 50% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees, retirees, volunteers and their immediate family of Fordham University, Iona College, Manhattan College, Saint Thomas Aquinas College, and other select schools.
See current membership details

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Health

C+

Data as of Q1 2019

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Additional 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. Academic Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	23425
Year Chartered	1979
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	12.01%
Annual Interest Income	$372.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$36.3MM$39.6MM
Loans	Q1 2019vs Q1 2018	$20.3MM$20.7MM
Deposits	Q1 2019vs Q1 2018	$32.8MM$36.1MM
Equity Capital	Q1 2019vs Q1 2018	$3.3MM$3.3MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$443.00K$175.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$421.00K$496.00K
Real Estate Owned	Q1 2019vs Q1 2018	$148.00K$148.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Academic Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.21%	$20	-	Shares/Savings
0.15%	$20	-	Holiday Club
0.15%	$20	-	IRA Share
0.15%	$20	-	Vacation Club
0.15%	$20	-	Custodial Account
0.15%	$20	-	Trust Account

Academic Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$100k^*	-	Money Market
OTHER TIERS: 0.35% → $25k - $100k

Academic Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$300	-	Share Draft

Academic Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.70%	$5k	-	36 Month Traditional CD
1.60%	$1k	-	24 Month Traditional CD
1.50%	$1k	-	18 Month Traditional CD
1.40%	$1k	-	15 Month Traditional CD
1.35%	$1k	-	12 Month Flex CD
1.25%	$1k	-	12 Month Liquid CD
0.70%	$1k	-	6 Month Flex CD

Academic Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.05%	$500	-	60 Month IRA
1.70%	$500	-	36 Month IRA
1.35%	$500	-	12 Month IRA

Locations

Academic Federal Credit Union Locations
Branch Office	425 N State Rd	Briarcliff Manor, NY 10510-1469

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