Alloy Federal Credit Union
LOCATIONS
2
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HEALTH RATING
B
View health report
CURRENT TOP RATE
1.05% APY
60 Month IRA (Traditional, Roth)
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.90% | 5-year CD | 60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD |
| 0.40% | 1-year CD | 12 Month Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.20% | Savings | Regular Share Savings Account 1.00% - Ally Bank Online Savings Account |
Overview / Commentary
Alloy Federal Credit Union is headquartered in Alloy and is the 35th largest credit union in the state of West Virginia. It is also the 3,479th largest credit union in the nation. It was established in 1970 and as of June of 2016, it had grown to 9 employees and 3,601 members at 2 locations. Alloy Federal Credit Union has a B health rating.
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Fayette County of West Virginia.
See current membership details
Health
B
Data as of Q2 2016
Learn more about bank healthAdditional 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. Alloy Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 20324 |
| Year Chartered | 1970 |
| Employees | 9 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.05% |
| Return on Equity - YTD | 0.35% |
| Annual Interest Income | $413.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $19.5MM$20.5MM |
| Loans | Q2 2016vs Q2 2015 | $10.4MM$10.6MM |
| Deposits | Q2 2016vs Q2 2015 | $16.7MM$17.5MM |
| Equity Capital | Q2 2016vs Q2 2015 | $2.8MM$3.0MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $171.00K$130.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $74.00K$139.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
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Alloy Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.40% | - | - | IRA Share Account | |
| 0.40% | - | - | Roth IRA Share Account | |
| 0.20% | - | - | Regular Share Savings Account | |
| 0.20% | - | - | Christmas Share Account |
Alloy Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.90% | $500 | - | 60 Month Share Certificate | |
| 0.70% | $500 | - | 36 Month Share Certificate | |
| 0.60% | $500 | - | 24 Month Share Certificate | |
| 0.40% | $500 | - | 12 Month Share Certificate |
Alloy Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.05% | $500 | - | 60 Month IRA | |
| 0.95% | $500 | - | 36 Month IRA | |
| 0.85% | $500 | - | 24 Month IRA | |
| 0.65% | $500 | - | 12 Month IRA |
Locations
| Alloy Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 3574 Midland Trail | Alloy, WV 25002 |
| Branch Office | 515 Hinkle Rd | Fayetteville, WV 25840-6903 |