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Ball State Federal Credit Union

Popular Accounts at this Credit Union

1.60%5-year CD5 Year CD
0.25%1-year CD1 Year CD
0.11%SavingsRegular Savings Account

Overview / Commentary
2900 N Oakwood Ave
Muncie, IN 47304

Ball State Federal Credit Union is headquartered in Muncie and is the 38th largest credit union in the state of Indiana. It is also the 1,646th largest credit union in the nation. It was established in 1956 and as of June of 2016, it had grown to 30 employees and 13,698 members at 2 locations. Ball State Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees, affiliated staff members and students of Ball State University, BSU Alumi Association members, BSU Cardinal Varsity Club members, Sallie Mae employees in Muncie and members and employees or other select organizations.
See current membership details

Reviews (2)

Great Credit Union

Posted by: Member44 | Oct 9, 2015

Very convienent as far as
Shared branching and co op ATM deposits and transactions. Easy to function mobile app banking . small staff and only two branches so it's easy to be recognized by tellers and member services and they catch fraud very quickly. Great credit union.!!

Very friendly but outdated

They are always very friendly when I go in to bank with them. However, their website looks like it was made in the 90s. They also charge fees for many ATMs and accounts, which I feel makes them less competitive than some larger banks. I keep an account open with them because I like them and want to stay loyal, and I really appreciate their Christmas Accounts! I also have to keep an account with a larger bank so that I do not get charged an arm and a leg for ATM fees. I would recommend them for savings (although interest isn't very high) and Christmas accounts!

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. Ball State Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #11103
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.71%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$91.5MM$91.1MM
LoansQ2 2016vs Q2 2015$72.8MM$67.4MM
DepositsQ2 2016vs Q2 2015$84.0MM$83.7MM
Equity CapitalQ2 2016vs Q2 2015$7.1MM$7.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$306.00K$284.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$551.00K$468.00K
Real Estate OwnedQ2 2016vs Q2 2015$198.00K$402.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ball State Federal Credit Union Savings Account Rates

0.14%*$100k*-Passbook IRA
OTHER TIERS: 0.06% Up to $1k | 0.08% $1k - $10k | 0.10% $10k - $50k | 0.12% $50k - $100k
0.14%*$100k*-Passbook Roth IRA
OTHER TIERS: 0.06% Up to $1k | 0.08% $1k - $10k | 0.10% $10k - $50k | 0.12% $50k - $100k
0.14%*$100k*-Passbook CESA
OTHER TIERS: 0.06% Up to $1k | 0.08% $1k - $10k | 0.10% $10k - $50k | 0.12% $50k - $100k
0.11%*$100k*-Regular Savings Account
OTHER TIERS: 0.03% Up to $1k | 0.05% $1k - $10k | 0.07% $10k - $50k | 0.09% $50k - $100k
0.03%--Christmas Club Account
0.03%--Club Nine Account

Ball State Federal Credit Union CD Rates

1.70%$40k-5 Year Jumbo CD
1.65%$10k-5 Year CD Special
1.60%$500-5 Year CD
1.40%$40k-4 Year Jumbo CD
1.35%$10k-4 Year CD Special
1.30%$500-4 Year CD
1.10%$40k-3 Year Jumbo CD
1.10%$10k-27 Month CD Special
1.05%$10k-3 Year CD Special
1.00%$500-3 Year Member's Option CD
0.60%$10k-15 Month CD Special
0.55%$40k-2 Year Jumbo CD
0.52%$10k-2 Year CD Special
0.50%$500-2 Year CD
0.40%$40k-18 Month Jumbo CD
0.38%$10k-18 Month CD Special
0.35%$500-18 Month CD
0.30%$40k-1 Year Jumbo CD
0.28%$10k-1 Year CD Special
0.25%$500-1 Year CD
0.16%$40k-6 Month Jumbo CD
0.15%$1k-6 Month CD
0.12%$40k-3 Month Jumbo CD
0.11%$1k-3 Month CD
0.10%$40k-30 Day Jumbo CD
0.08%$10k-30 Day CD Special

Ball State Federal Credit Union IRA Rates

1.70%$40k-5 Year Jumbo IRA
1.65%$10k-5 Year IRA Special
1.60%$500-5 Year IRA
1.40%$40k-4 Year Jumbo IRA
1.35%$10k-4 Year IRA Special
1.30%$500-4 Year IRA
1.10%$40k-3 Year Jumbo IRA
1.05%$10k-3 Year IRA Special
1.00%$500-3 Year Member's Option IRA
0.55%$40k-2 Year Jumbo IRA
0.52%$10k-2 Year IRA Special
0.50%$500-2 Year IRA
0.40%$40k-18 Month Jumbo IRA
0.38%$10k-18 Month IRA Special
0.35%$500-18 Month IRA
0.30%$40k-1 Year Jumbo IRA
0.28%$10k-1 Year IRA Special
0.25%$500-1 Year IRA

Ball State Federal Credit Union Locations
Branch Office2001 W University Ave Ste 115Muncie, IN 47306-1023
Branch Office2900 N Oakwood AveMuncie, IN 47304