Alloy Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	60 Month Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
0.60%	1-year CD	12 Month Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.20%	Savings	Regular Share Savings Account 1.30% - Nationwide Bank Online Savings Account

View all Alloy Federal Credit Union rates »

Overview / Commentary

www.alloyfcu.com

866-918-2700

3574 Midland Trail
Alloy, WV 25002

Alloy Federal Credit Union is headquartered in Alloy and is the 35^th largest credit union in the state of West Virginia. It is also the 3,423^rd largest credit union in the nation. It was established in 1970 and as of December of 2017, it had grown to 6 employees and 3,883 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.
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Health

B

Data as of Q4 2017

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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. Alloy Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	20324
Year Chartered	1970
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	2.39%
Annual Interest Income	$735.00K

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$19.3MM$19.6MM
Loans	Q4 2017vs Q4 2016	$11.0MM$10.7MM
Deposits	Q4 2017vs Q4 2016	$16.3MM$16.7MM
Equity Capital	Q4 2017vs Q4 2016	$2.9MM$2.9MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$167.00K$169.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$196.00K$238.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
CD
IRA

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Alloy Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	-	-	IRA Share Account
0.20%	-	-	Regular Share Savings Account
0.10%	-	-	Christmas Share Account

Alloy Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$500	-	60 Month Share Certificate
0.90%	$500	-	36 Month Share Certificate
0.80%	$500	-	24 Month Share Certificate
0.60%	$500	-	12 Month Share Certificate

Alloy Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$500	-	60 Month IRA
1.15%	$500	-	36 Month IRA
1.05%	$500	-	24 Month IRA
0.85%	$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

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