Alps Federal Credit Union

Overview / Commentary

888-747-6261

401 Halibut Point Rd
Sitka, AK 99835

Alps Federal Credit Union is headquartered in Sitka and is the 9^th largest credit union in the state of Alaska. It is also the 2,197^th largest credit union in the nation. It was established in 1960 and as of June of 2019, it had grown to 15 employees and 3,388 members at 2 locations. Alps Federal Credit Union's CD rates are 79% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Alps Federal Credit Union is open to those who live, work, worship, or attend school in Haines Borough, Hoonah-Angoon Census Area, Juneau City and Borough, Ketchikan City and Borough, Petersburg Census Area, Prince of Wales-Hyder Census Area, Sitka City and Borough, Skagway Municipality, Wrangell City and Borough, or Yakutat City and Borough.
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Health

B+

Data as of Q2 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. Alps Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	13865
Year Chartered	1960
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	0.4%
Return on Equity - YTD	3.84%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$57.7MM$50.8MM
Loans	Q2 2019vs Q2 2018	$43.4MM$36.4MM
Deposits	Q2 2019vs Q2 2018	$47.1MM$44.2MM
Equity Capital	Q2 2019vs Q2 2018	$5.8MM$5.3MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$251.00K$356.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$179.00K$859.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Alps Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Alps Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	-	-	Coverdell ESA Share Savings
0.15%	-	-	IRA Shares
0.15%	-	-	Club Account
0.10%	-	-	Share Savings Account
0.10%	-	-	Escrow Share Savings

Alps Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.33%^*	$100k^*	-	Money Market Share Draft
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.25% → $10k - $100k
0.33%^*	$100k^*	-	Verstovia Money Market
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.25% → $10k - $100k
0.33%^*	$100k^*	-	Sitka Sound Business Money Market
OTHER TIERS: 0.20% → $5k - $10k \| 0.25% → $10k - $100k

Alps Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$125k^*	-	Edgecumbe Business Checking
OTHER TIERS: 0.05% → $5k - $30k \| 0.08% → $30k - $75k \| 0.15% → $75k - $125k
0.10%^*	$75k^*	-	Arrowhead Checking
OTHER TIERS: 0.05% → $5k+
0.10%^*	$75k^*	-	Lawyer’s Trust Account
OTHER TIERS: 0.05% → $5k - $75k
0.05%	-	-	Advantage Draft
0.05%	-	-	Interest Draft
0.05%	$50	-	Sitka Spruce
0.05%	-	-	Chinook
0.05%	-	-	King Draft

Alps Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$500	-	60 Month Share Certificate
2.33%	$500	-	48 Month Share Certificate
2.22%	$500	-	36 Month Share Certificate
1.87%	$500	-	24 Month Share Certificate
1.71%	$500	-	18 Month Share Certificate
1.61%	$500	-	12 Month Share Certificate
1.05%	$2.5k	-	6 Month Share Certificate Saver
0.75%	$500	-	6 Month Share Certificate
0.40%	$500	-	3 Month Share Certificate

Alps Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$500	-	60 Month IRA Certificate
2.33%	$500	-	48 Month IRA Certificate
2.22%	$500	-	36 Month IRA Certificate
1.87%	$500	-	24 Month IRA Certificate
1.71%	$500	-	18 Month IRA Certificate
1.61%	$500	-	12 Month IRA Certificate
0.75%	$500	-	6 Month IRA Certificate

Locations

Alps Federal Credit Union Locations
Branch Office	401 Halibut Point Rd	Sitka, AK 99835-7301
Branch Office	312 N Nordic Dr	Petersburg, AK 99833

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