Amherst Federal Credit Union

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11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

1.45% APY

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1.20% APY

Overview / Commentary

amherstcu.com

716-634-3881

6470 Main Street, Suite 5
Amherst, NY 14221

Amherst Federal Credit Union is headquartered in Williamsville and is the 145^th largest credit union in the state of New York. It is also the 2,776^th largest credit union in the nation. It was established in 1947 and as of June of 2017, it had grown to 7 employees and 4,220 members at 1 location. Amherst Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those live, work, attend school, or worship in, and businesses and other legal entities located in the Towns of Amherst, West Seneca, Cheektowaga or the Village of Depew in Erie County, New York.
See current membership details

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Health

B

Data as of Q2 2017

Learn why bank health matters

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. Amherst Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	5439
Year Chartered	1947
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.1%
Return on Equity - YTD	1.27%
Annual Interest Income	$459.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$33.7MM$32.0MM
Loans	Q2 2017vs Q2 2016	$14.4MM$14.3MM
Deposits	Q2 2017vs Q2 2016	$31.2MM$29.4MM
Equity Capital	Q2 2017vs Q2 2016	$2.5MM$2.6MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$53.00K$49.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$44.00K$31.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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Amherst Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$100	-	Share Account
0.15%	$100	-	Holiday Club Account

Amherst Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$1k	-	1 Year Share Certificate

Amherst Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$1k	-	1 Year IRA Share Certificate

Locations

Amherst Federal Credit Union Locations
Branch Office	6470 Main St Ste 5	Williamsville, NY 14221-5851