Alcoa Community Federal Credit Union

Overview / Commentary
1125 Military Rd
Benton, AR 72015

Alcoa Community Federal Credit Union is headquartered in Benton and is the 12th largest credit union in the state of Arkansas. It is also the 2,203rd largest credit union in the nation. It was established in 1957 and as of March of 2024, it had grown to 20 employees and 5,793 members at 2 locations. Alcoa Community Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Alcoa Community Credit Union is open to those who live, work, worship, or attend school, in the Arkansas counties of Garland, Grant, Hot Spring, Perry, or Saline.
See current membership details


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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. Alcoa Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #11913
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD1.3%
Annual Interest Income$774K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$66.8MM$65.5MM
LoansQ1 2024vs Q1 2023$50.6MM$45.5MM
DepositsQ1 2024vs Q1 2023$61.1MM$59.4MM
Equity CapitalQ1 2024vs Q1 2023$5.1MM$5.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$246K$202K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$41K$17K
Real Estate OwnedQ1 2024vs Q1 2023$174K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alcoa Community Federal Credit Union Savings Account Rates

1.55%*$100k*-Monthly Dividend Accounts
OTHER TIERS: 1.35% $0 - $20k | 1.45% $20k - $50k | 1.50% $50k - $100k
1.25%$0-IRA Accounts
1.00%*$0$5kChristmas Club Accounts
OTHER TIERS: 0.25% $5k+
1.00%*$0$5kVacation Club Accounts
OTHER TIERS: 0.25% $5k+
0.35%*$10k*-Regular Savings Accounts
OTHER TIERS: 0.25% $0 - $10k

Alcoa Community Federal Credit Union Checking Account Rates

0.30%*$2.5k*-Share Draft Accounts
OTHER TIERS: 0.15% $400 - $2.5k

Alcoa Community Federal Credit Union CD Rates

3.25%$2.5k-2 Year Share Certificate
3.20%$2.5k-1 Year Share Certificate
3.00%$1k-6 Month Share Certificate

Alcoa Community Federal Credit Union Locations
Branch Office1125 Military RdBenton, AR 72015
Branch Office519 S Rock StSheridan, AR 72150-7182

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