Billerica Municipal Employees Credit Union

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High Yield 12-Month CD

Ally Bank, Member FDIC.
Consistently Competitive Rates.
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1.35% APY

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No Minimum Balance.
No Monthly Maintenance Fee.
FDIC Insured.

1.05% APY

Overview / Commentary

www.billericamecu.com

978-667-2434

365 Boston Rd
Billerica, MA 01821

Billerica Municipal Employees Credit Union is headquartered in Billerica and is the 113^th largest credit union in the state of Massachusetts. It is also the 3,820^th largest credit union in the nation. It was established in 1971 and as of December of 2016, it had grown to 2 employees and 1,253 members at 1 location. Billerica Municipal Employees Credit Union has a B health rating.

Field of Membership Restrictions

Billerica Municipal Employees CU is open to employees of the township, Shawsheen Technical School, Billerica Public School, Elected officials, and their families.
See current membership details

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Health

B

Data as of Q4 2016

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. Billerica Municipal Employees Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	66336
Year Chartered	1971
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.32%
Annual Interest Income	$300.00K

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$14.2MM$14.2MM
Loans	Q4 2016vs Q4 2015	$2.9MM$3.0MM
Deposits	Q4 2016vs Q4 2015	$11.1MM$11.1MM
Equity Capital	Q4 2016vs Q4 2015	$3.1MM$3.1MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$11.00K$17.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$3.00K$0
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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Billerica Municipal Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$25	-	Regular Shares

Billerica Municipal Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$500	-	12 Month CD
0.55%	$2,500	-	6 Month CD

Locations

Billerica Municipal Employees Credit Union Locations
Branch Office	365 Boston Rd	Billerica, MA 01821