Chelsea Employees Federal Credit Union

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High Yield 12-Month CD

Ally Bank, Member FDIC.
Consistently Competitive Rates.
24/7 Customer Care.

1.35% APY

Online Savings Account

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

1.05% APY

Overview / Commentary

www.chelseaefcu.org

877-689-9205

500 Broadway # 205
Chelsea, MA 02150-2948

Chelsea Employees Federal Credit Union is headquartered in Chelsea and is the 114^th largest credit union in the state of Massachusetts. It is also the 3,874^th largest credit union in the nation. It was established in 1935 and as of December of 2016, it had grown to 3 employees and 2,033 members at 1 location. Chelsea Employees Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the City of Chelsea, the Chelsea Housing Authority, or the Chelsea Restoration Corporation.
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. Chelsea Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	851
Year Chartered	1935
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	0.08%
Return on Equity - YTD	0.88%
Annual Interest Income	$418.00K

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$13.6MM$12.7MM
Loans	Q4 2016vs Q4 2015	$7.0MM$6.7MM
Deposits	Q4 2016vs Q4 2015	$12.3MM$11.4MM
Equity Capital	Q4 2016vs Q4 2015	$1.2MM$1.2MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$16.00K$13.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$44.00K$0
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Chelsea Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$25	-	IRA Share Account
0.50%	$25	-	Roth IRA Share Account
0.50%	$25	-	Education IRA Share Account
0.40%^*	$100k^*	-	Share Savings Account
OTHER TIERS: 0.10% → $25 - $20k \| 0.20% → $20k - $50k \| 0.30% → $50k - $100k
0.40%^*	$100k^*	-	Club Account
OTHER TIERS: 0.10% → $25 - $20k \| 0.20% → $20k - $50k \| 0.30% → $50k - $100k

Chelsea Employees Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$300	-	Share Draft Checking Account

Locations

Chelsea Employees Federal Credit Union Locations
Branch Office	500 Broadway # 205	Chelsea, MA 02150-2948