ARC Federal Credit Union

Overview / Commentary

www.arcfcu.org

814-946-0857

1919 7th Ave
Altoona, PA 16602-2237

ARC Federal Credit Union is headquartered in Altoona and is the 69^th largest credit union in the state of Pennsylvania. It is also the 1,730^th largest credit union in the nation. It was established in 1956 and as of March of 2019, it had grown to 23 employees and 12,721 members at 2 locations. ARC Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Arc Federal Credit Union is open to all Pennsylvania residents through joining the Pennsylvania Consumer Council. Membership is also open to members of a Catholic parish in Blair or Huntingdon County, employees of any of the credit union's Select Employer Groups.
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Health

B+

Data as of Q1 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. ARC Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	11304
Year Chartered	1956
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	1.23%
Return on Equity - YTD	13.24%
Annual Interest Income	$806.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$90.0MM$86.4MM
Loans	Q1 2019vs Q1 2018	$57.6MM$48.2MM
Deposits	Q1 2019vs Q1 2018	$81.7MM$79.1MM
Equity Capital	Q1 2019vs Q1 2018	$8.2MM$7.2MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$282.00K$192.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$276.00K$163.00K
Real Estate Owned	Q1 2019vs Q1 2018	$40.00K$75.00K

Rates

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Savings
Money Market
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not ARC 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.

ARC Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	Kids Club
0.10%	-	-	Traditional Individual Retirement Share Account
0.01%	$50	-	Base Share Account
0.01%	-	-	Christmas Clubs
0.01%	-	-	Vacation Clubs

ARC Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2k - $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k

ARC Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.54%	$500	-	29 Month Share Certificate Special
1.26%	$500	-	60 Month Share Certificate
1.00%	$500	-	7 Month Share Certificate Special
0.80%	$500	-	48 Month Share Certificate
0.50%	$500	-	36 Month Share Certificate
0.35%	$500	-	24 Month Share Certificate
0.25%	$500	-	18 Month Share Certificate
0.20%	$500	-	12 Month Share Certificate
0.15%	$500	-	6 Month Share Certificate

ARC Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.54%	$500	-	29 Month Traditional IRA Certificate Special
1.26%	$500	-	60 Month Traditional IRA Certificate
1.00%	$500	-	7 Month Traditional IRA Certificate Special
0.90%	$500	-	48 Month Traditional IRA Certificate
0.75%	$500	-	36 Month Traditional IRA Certificate
0.50%	$500	-	24 Month Traditional IRA Certificate
0.30%	$500	-	12 Month Traditional IRA Certificate

Locations

ARC Federal Credit Union Locations
Branch Office	419 N 7th St	Altoona, PA 16601-6119
Branch Office	1919 7th Ave	Altoona, PA 16602-2237

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