Appliance Credit Union

Overview / Commentary

www.appliancecu.com

423-479-5511

150 Linden Ave Se
Cleveland, TN 37311

Appliance Credit Union is headquartered in CLEVELAND and is the 107^th largest credit union in the state of Tennessee. It is also the 3,969^th largest credit union in the nation. It was established in 1972 and as of December of 2019, it had grown to 5 employees and 2,158 members at 1 location. Appliance Credit Union's CD rates are 40% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Appliance CU is open to anyone who resides, holds employment, attends church or is a registered student in Bradley County, Tennessee and the family members of current CU members.
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Health

B+

Data as of Q4 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. Appliance Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67976
Year Chartered	1972
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	2.38%
Annual Interest Income	$348.00K

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$10.4MM$10.0MM
Loans	Q4 2019vs Q4 2018	$5.7MM$5.8MM
Deposits	Q4 2019vs Q4 2018	$8.5MM$8.1MM
Equity Capital	Q4 2019vs Q4 2018	$1.8MM$1.8MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$24.00K$23.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$15.00K$62.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Checking
CD
IRA

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

Appliance Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	IRA Savings

Appliance Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$1k^*	-	Share Draft
OTHER TIERS: 0.15% → $300 - $1k

Appliance Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$75k^*	-	24 Month Share Certificate
OTHER TIERS: 0.50% → Up to $10k \| 0.75% → $10k - $20k \| 1.00% → $20k - $50k \| 1.26% → $50k - $75k
1.51%^*	$75k^*	-	36 Month Share Certificate
OTHER TIERS: 0.50% → Up to $10k \| 0.75% → $10k - $20k \| 1.00% → $20k - $50k \| 1.26% → $50k - $75k
1.51%^*	$75k^*	-	60 Month Share Certificate
OTHER TIERS: 0.50% → Up to $10k \| 0.75% → $10k - $20k \| 1.00% → $20k - $50k \| 1.26% → $50k - $75k
1.26%^*	$75k^*	-	12 Month Share Certificate
OTHER TIERS: 0.25% → Up to $10k \| 0.50% → $10k - $20k \| 0.75% → $20k - $50k \| 1.00% → $50k - $75k
1.00%^*	$75k^*	-	6 Month Share Certificate
OTHER TIERS: 0.20% → Up to $10k \| 0.25% → $10k - $20k \| 0.50% → $20k - $50k \| 0.75% → $50k - $75k
0.05%	$300	-	6 Month Starter CD

Appliance Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$75k^*	-	24 Month IRA
OTHER TIERS: 0.50% → Up to $10k \| 0.75% → $10k - $20k \| 1.00% → $20k - $50k \| 1.26% → $50k - $75k
1.51%^*	$75k^*	-	36 Month IRA
OTHER TIERS: 0.50% → Up to $10k \| 0.75% → $10k - $20k \| 1.00% → $20k - $50k \| 1.26% → $50k - $75k
1.51%^*	$75k^*	-	60 Month IRA
OTHER TIERS: 0.50% → Up to $10k \| 0.75% → $10k - $20k \| 1.00% → $20k - $50k \| 1.26% → $50k - $75k
1.26%^*	$75k^*	-	12 Month IRA
OTHER TIERS: 0.25% → Up to $10k \| 0.50% → $10k - $20k \| 0.75% → $20k - $50k \| 1.00% → $50k - $75k
1.00%^*	$75k^*	-	6 Month IRA
OTHER TIERS: 0.20% → Up to $10k \| 0.25% → $10k - $20k \| 0.50% → $20k - $50k \| 0.75% → $50k - $75k

Locations

Appliance Credit Union Locations
Branch Office	640 KING EDWARD AVE SE	CLEVELAND, TN 37311

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