Bethlehem 1st Federal Credit Union

Overview / Commentary

610-691-0041

2317 Easton Ave
Bethlehem, PA 18017-5009

Bethlehem 1st Federal Credit Union is headquartered in Bethlehem and is the 108^th largest credit union in the state of Pennsylvania. It is also the 2,232^nd largest credit union in the nation. It was established in 1935 and as of June of 2019, it had grown to 8 employees and 4,906 members at 1 location. Bethlehem 1st Federal Credit Union's CD rates are 67% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees or members of select municipalities, schools and organizations.
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Health

B+

Data as of Q2 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. Bethlehem 1st Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	716
Year Chartered	1935
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	7.92%
Annual Interest Income	$792.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$55.6MM$53.5MM
Loans	Q2 2019vs Q2 2018	$19.2MM$15.7MM
Deposits	Q2 2019vs Q2 2018	$48.8MM$48.7MM
Equity Capital	Q2 2019vs Q2 2018	$6.1MM$5.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$116.00K$92.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$19.00K$85.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
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.

Bethlehem 1st Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Share Accounts
0.10%	$10	-	IRA Share Account
0.10%	$100	-	Holiday Club
0.10%	$100	-	Vacation Club
0.10%	$10	-	CESA Shares

Bethlehem 1st Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$25k^*	$50k	Money Market Account
OTHER TIERS: 0.25% → $1.5k - $5k \| 0.35% → $5k - $10k \| 0.45% → $10k - $25k

Bethlehem 1st Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$500	-	12 Month Share Certificate
1.25%	$500	-	9 Month Share Certificate
1.00%	$500	-	6 Month Share Certificate

Bethlehem 1st Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$500	-	36 Month IRA Certificate
1.10%	$500	-	36 Month Roth IRA Certificate
1.10%	$10	-	36 Month CESA Certificate
1.00%	$500	-	24 Month IRA Certificate
1.00%	$500	-	24 Month Roth IRA Certificate
1.00%	$10	-	24 Month CESA Certificate
0.75%	$500	-	12 Month IRA Certificate
0.75%	$500	-	12 Month Roth IRA Certificate
0.75%	$10	-	12 Month CESA Certificate

Locations

Bethlehem 1st Federal Credit Union Locations
Branch Office	2317 Easton Ave	Bethlehem, PA 18017-5009

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