Ashland Credit Union

Overview / Commentary

www.ashlandcu.org

606-329-5489

1300 Central Ave
Ashland, KY 41101

Ashland Credit Union is headquartered in ASHLAND and is the 9^th largest credit union in the state of Kentucky. It is also the 849^th largest credit union in the nation. It was established in 1942 and as of June of 2024, it had grown to 85 employees and 43,566 members at 5 locations. Ashland Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Ashland CU is open to those who live, work, worship, or attend school in the FIVCO Area Development District (Kentucky counties of Boyd, Carter, Elliott, Greenup, and Lawrence) or the Bluegrass Area Development District (Kentucky counties of Anderson, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford), as well as the Minnesota counties of Dakota, Hennepin, Ramsey, or Washington. Employees of more than 20 Employer Group companies are eligible for membership, as well as family members of current Ashland Credit Union members.
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Health

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	61792
Year Chartered	1942
Employees	85
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	3.03%
Annual Interest Income	$11MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$397MM$369.5MM
Loans	Q2 2024vs Q2 2023	$291.3MM$288.1MM
Deposits	Q2 2024vs Q2 2023	$342.1MM$314.6MM
Equity Capital	Q2 2024vs Q2 2023	$42.8MM$40.6MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$2.4MM$2.3MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$2.6MM$1.8MM
Real Estate Owned	Q2 2024vs Q2 2023	$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.

Ashland Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$5k	-	2024 Christmas Club
4.00%	$0	$3k	Vacation Club Account
4.00%	$5k	-	2025 Christmas Club
2.25%^*	$100k^*	-	Premium Savings
OTHER TIERS: 1.50% → $500 - $10k \| 1.75% → $10k - $50k \| 2.00% → $50k - $100k
2.00%	$50	-	Health Savings Account
2.00%	$5	-	IRA Share Account
2.00%^*	$100k^*	-	Business Shares
OTHER TIERS: 0.50% → $0+ \| 1.75% → $10k - $100k
1.50%	$0	-	CD Builder Club
0.50%	$25	-	Regular Share Account
0.50%	$0	-	Visa Builder Club

Ashland Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Checking Account
OTHER TIERS: 0.10% → $500 - $10k \| 0.20% → $10k - $50k \| 0.40% → $50k - $100k

Ashland Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$35k	-	6 Month Jumbo Share Certificate
4.35%	$35k	-	9 Month Jumbo Share Certificate
4.35%	$35k	-	12 Month Jumbo Share Certificate
4.35%	$35k	-	Business 6 Month Jumbo Share Certificate
4.35%	$35k	-	Business 9 Month Jumbo Share Certificate
4.35%	$35k	-	Business 12 Month Jumbo Share Certificate
4.10%	$500	-	6 Month Share Certificate
4.10%	$500	-	9 Month Share Certificate
4.10%	$500	-	12 Month Share Certificate
4.10%	$35k	-	18 Month Jumbo Share Certificate
4.10%	$2.5k	-	Business 6 Month Share Certificate
4.10%	$2.5k	-	Business 9 Month Share Certificate
4.10%	$2.5k	-	Business 12 Month Share Certificate
4.10%	$35k	-	Business 18 Month Jumbo Share Certificate
3.85%	$500	-	18 Month Share Certificate
3.85%	$35k	-	24 Month Jumbo Share Certificate
3.85%	$2.5k	-	Business 18 Month Share Certificate
3.85%	$35k	-	Business 24 Month Jumbo Share Certificate
3.70%	$35k	-	36 Month Jumbo Share Certificate
3.70%	$35k	-	48 Month Jumbo Share Certificate
3.70%	$35k	-	60 Month Jumbo Share Certificate
3.70%	$35k	-	Business 36 Month Jumbo Share Certificate
3.70%	$35k	-	Business 48 Month Jumbo Share Certificate
3.70%	$35k	-	Business 60 Month Jumbo Share Certificate
3.60%	$500	-	24 Month Share Certificate
3.60%	$2.5k	-	Business 24 Month Share Certificate
3.45%	$500	-	36 Month Share Certificate
3.45%	$500	-	48 Month Share Certificate
3.45%	$500	-	60 Month Share Certificate
3.45%	$35k	-	36 Month Rate Bump Jumbo Share Certificate
3.45%	$35k	-	48 Month Rate Bump Jumbo share Certificate
3.45%	$35k	-	60 Month Rate Bump Jumbo Share Certificate
3.45%	$2.5k	-	Business 36 Month Share Certificate
3.45%	$2.5k	-	Business 48 Month Share Certificate
3.45%	$2.5k	-	Business 60 Month Share Certificate
3.20%	$5k	-	36 Month Rate Bump Share Certificate
3.20%	$5k	-	48 Month Rate Bump Share Certificate
3.20%	$5k	-	60 Month Rate Bump Share Certificate

Ashland Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$35k	-	12 Month Jumbo IRA
4.35%	$35k	-	12 Month Jumbo Roth IRA
4.10%	$1k	-	12 Month IRA
4.10%	$1k	-	12 Month Roth IRA
3.85%	$35k	-	24 Month Jumbo IRA
3.85%	$35k	-	24 Month Jumbo Roth IRA
3.70%	$35k	-	36 Month Jumbo IRA
3.70%	$35k	-	48 Month Jumbo IRA
3.70%	$35k	-	60 Month Jumbo IRA
3.70%	$35k	-	36 Month Jumbo Roth IRA
3.70%	$35k	-	48 Month Jumbo Roth IRA
3.70%	$35k	-	60 Month Jumbo Roth IRA
3.60%	$1k	-	24 Month IRA
3.60%	$1k	-	24 Month Roth IRA
3.45%	$1k	-	36 Month IRA
3.45%	$1k	-	48 Month IRA
3.45%	$1k	-	60 Month IRA
3.45%	$1k	-	36 Month Roth IRA
3.45%	$1k	-	48 Month Roth IRA
3.45%	$1k	-	60 Month Roth IRA

Locations

Ashland Credit Union Locations
Branch Office	1300 Central Ave	Ashland, KY 41101-7550
Branch Office	8711 E Point Douglas Rd S Ste 101	Cottage Grove, MN 55016-5031
Branch Office	100 Valvoline Way	Lexington, KY 40509
Branch Office	10700 US Route 60	ASHLAND, KY 41102
Branch Office	1200 Diederich Blvd	Russell, KY 41169

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