Banner Federal Credit Union

Overview / Commentary

602-254-5291

2702 N 3rd St Ste 4010
Phoenix, AZ 85004

Banner Federal Credit Union is headquartered in Phoenix and is the 24^th largest credit union in the state of Arizona. It is also the 2,162^nd largest credit union in the nation. It was established in 1957 and as of December of 2018, it had grown to 16 employees and 8,711 members at 6 locations. Banner Federal Credit Union's CD rates are 31% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of Banner Health Systems or several other employee groups associated with or affiliated with health care providers.
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Health

B+

Data as of Q4 2018

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. Banner Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	11680
Year Chartered	1957
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	3.11%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$58.5MM$58.9MM
Loans	Q4 2018vs Q4 2017	$27.8MM$25.9MM
Deposits	Q4 2018vs Q4 2017	$51.7MM$52.1MM
Equity Capital	Q4 2018vs Q4 2017	$6.3MM$6.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$270.00K$159.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$280.00K$325.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
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.

Banner Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$10k^*	-	IRA Savings
OTHER TIERS: 1.21% → Up to $10k
0.05%	$75	-	Regular Share
0.05%	$75	-	Miscellaneous Club Account
0.05%	$75	-	Kids Club Savings

Banner Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.42%^*	$25k^*	-	Money Maximizer Account
OTHER TIERS: 0.37% → $1 - $1k \| 0.38% → $1k - $10k \| 0.40% → $10k - $25k

Banner Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$500	-	Checking

Banner Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.39%^*	$10k^*	-	3 Year Share Certificate
OTHER TIERS: 1.34% → $500 - $10k
1.34%^*	$10k^*	-	30 Month Share Certificate
OTHER TIERS: 1.29% → $500 - $10k
1.29%^*	$10k^*	-	2 Year Share Certificate
OTHER TIERS: 1.24% → $500 - $10k
1.26%^*	$10k^*	-	18 Month Share Certificate
OTHER TIERS: 1.21% → $500 - $10k
1.18%^*	$10k^*	-	1 Year Share Certificate
OTHER TIERS: 1.13% → $500 - $10k

Banner Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.39%^*	$10k^*	-	3 Year IRA Share Certificate
OTHER TIERS: 1.34% → $500 - $10k
1.34%^*	$10k^*	-	30 Month IRA Share Certificate
OTHER TIERS: 1.29% → $500 - $10k
1.29%^*	$10k^*	-	2 Year IRA Share Certificate
OTHER TIERS: 1.24% → $500 - $10k
1.26%^*	$10k^*	-	18 Month IRA Share Certificate
OTHER TIERS: 1.21% → $500 - $10k
1.18%^*	$10k^*	-	1 Year IRA Share Certificate
OTHER TIERS: 1.13% → $500 - $10k

Locations

Banner Federal Credit Union Locations
Branch Office	2702 N 3rd St Ste 4010	Phoenix, AZ 85004
Branch Office	2225 W Southern Ave	Mesa, AZ 85202
Branch Office	5757 W Thunderbird Rd Ste E155	Glendale, AZ 85306
Branch Office	1111 E McDowell Rd	Phoenix, AZ 85006
Branch Office	9201 W Thomas Rd	Phoenix, AZ 85037
Branch Office	525 W Brown Rd	Mesa, AZ 85201

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