Community Link Federal Credit Union

Overview / Commentary

www.communitylinkfcu.com

260-356-6220

325 Etna Ave
Huntington, IN 46750

Community Link Federal Credit Union is headquartered in Huntington and is the 90^th largest credit union in the state of Indiana. It is also the 3,224^th largest credit union in the nation. It was established in 1997 and as of September of 2019, it had grown to 8 employees and 2,359 members at 1 location. Community Link Federal Credit Union's CD rates are 94% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Huntington County, Indiana.
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Health

C+

Data as of Q3 2019

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. Community Link Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	24770
Year Chartered	1997
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.79%
Return on Equity - YTD	5.69%
Annual Interest Income	$748.00K

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$22.4MM$22.2MM
Loans	Q3 2019vs Q3 2018	$14.8MM$15.9MM
Deposits	Q3 2019vs Q3 2018	$19.2MM$19.3MM
Equity Capital	Q3 2019vs Q3 2018	$3.2MM$2.8MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$77.00K$85.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$380.00K$326.00K
Real Estate Owned	Q3 2019vs Q3 2018	$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.

Community Link Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$25k^*	-	Health Savings Accounts (HSA)
OTHER TIERS: 1.00% → Up to $1k \| 1.26% → $1k - $25k
0.85%^*	$10k^*	-	Lifesavers Youth Share Account
OTHER TIERS: 0.30% → Up to $1k \| 0.50% → $1k - $10k
0.25%	-	-	Christmas Club Account
0.20%^*	$50k^*	-	Membership Share
OTHER TIERS: 0.10% → $250 - $20k \| 0.15% → $20k - $50k
0.20%^*	$50k^*	-	IRA Savings Account
OTHER TIERS: 0.10% → $250 - $20k \| 0.15% → $20k - $50k

Community Link Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	Money Management Account With a Relationship
OTHER TIERS: 0.20% → Up to $10k \| 0.25% → $10k - $25k \| 0.36% → $25k - $50k \| 0.42% → $50k - $100k
0.34%^*	$50k^*	-	Money Management Account Without a Relationship
OTHER TIERS: 0.10% → Up to $10k \| 0.17% → $10k - $25k \| 0.28% → $25k - $50k

Community Link Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	Personal E-Checking Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k
0.20%^*	$50k^*	-	Non-Personal E-Checking Account
OTHER TIERS: 0.10% → $10k - $20k \| 0.15% → $20k - $50k

Community Link Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$25k^*	-	48 Month Share Certificate
OTHER TIERS: 1.50% → $1k - $5k \| 1.75% → $5k - $10k \| 2.00% → $10k - $25k
2.00%^*	$25k^*	-	36 Month Share Certificate
OTHER TIERS: 1.25% → $1k - $5k \| 1.50% → $5k - $10k \| 1.75% → $10k - $25k
1.75%^*	$25k^*	-	12 Month Share Certificate
OTHER TIERS: 1.00% → $1k - $5k \| 1.25% → $5k - $10k \| 1.50% → $10k - $25k
1.75%^*	$25k^*	-	24 Month Share Certificate
OTHER TIERS: 1.00% → $1k - $5k \| 1.25% → $5k - $10k \| 1.50% → $10k - $25k

Community Link Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$25k^*	-	60 Month IRA
OTHER TIERS: 1.50% → $1k - $5k \| 1.75% → $5k - $10k \| 2.00% → $10k - $25k
2.00%^*	$25k^*	-	36 Month IRA
OTHER TIERS: 1.25% → $1k - $5k \| 1.50% → $5k - $10k \| 1.75% → $10k - $25k
1.75%^*	$25k^*	-	12 Month IRA
OTHER TIERS: 1.00% → $1k - $5k \| 1.25% → $5k - $10k \| 1.50% → $10k - $25k
1.75%^*	$25k^*	-	24 Month IRA
OTHER TIERS: 1.00% → $1k - $5k \| 1.25% → $5k - $10k \| 1.50% → $10k - $25k

Locations

Community Link Federal Credit Union Locations
Branch Office	325 Etna Ave	Huntington, IN 46750

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