Cosden Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.27%	5-year CD	3.00% - Discover Bank 5 Year CD
1.00%	1-year CD	2.65% - Discover Bank 12 Month CD
0.15%	Savings	2.20% - Barclays Online Savings Account

View all Cosden Federal Credit Union rates »

Overview / Commentary

www.cosden.org

432-264-2600

400 E MARCY DR
BIG SPRING, TX 79720-5714

Cosden Federal Credit Union is headquartered in BIG SPRING and is the 196^th largest credit union in the state of Texas. It is also the 2,521^st largest credit union in the nation. It was established in 1936 and as of December of 2018, it had grown to 12 employees and 3,583 members at 1 location. Cosden Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Cosden Federal Credit welcomes all persons who work, worship, attend school or live in Howard County, Texas and their immediate family members.
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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. Cosden Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	1750
Year Chartered	1936
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	2.84%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$41.2MM$38.3MM
Loans	Q4 2018vs Q4 2017	$11.6MM$9.5MM
Deposits	Q4 2018vs Q4 2017	$35.5MM$33.0MM
Equity Capital	Q4 2018vs Q4 2017	$5.1MM$5.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$143.00K$126.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$117.00K$27.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cosden Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$10k^*	-	IRA Account
OTHER TIERS: 0.40% → Up to $2.5k \| 0.60% → $2.5k - $5k \| 0.80% → $5k - $10k
0.25%	-	-	Club Accounts
0.15%	$10	-	Regular Share Account
0.15%	-	-	Other Share Accounts

Cosden Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$2.5k	-	Special Savings Money Market Account

Cosden Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$10k	-	Business Checking Account

Cosden Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$100k^*	-	60 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $5k \| 1.00% → $5k - $10k \| 1.51% → $10k - $50k \| 1.71% → $50k - $100k
2.01%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $5k \| 1.00% → $5k - $10k \| 1.21% → $10k - $50k \| 1.51% → $50k - $100k
1.76%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 0.50% → $1k - $5k \| 0.75% → $5k - $10k \| 1.00% → $10k - $50k \| 1.31% → $50k - $100k
1.00%^*	$100k^*	-	12 Month Share Certificate
OTHER TIERS: 0.45% → $1k - $5k \| 0.50% → $5k - $10k \| 0.75% → $10k - $50k \| 0.85% → $50k - $100k
0.50%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.30% → $10k - $50k \| 0.40% → $50k - $100k

Cosden Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$100k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $5k \| 1.00% → $5k - $10k \| 1.51% → $10k - $50k \| 1.71% → $50k - $100k
2.01%^*	$100k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $5k \| 1.00% → $5k - $10k \| 1.21% → $10k - $50k \| 1.51% → $50k - $100k
1.76%^*	$100k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $5k \| 0.75% → $5k - $10k \| 1.00% → $10k - $50k \| 1.31% → $50k - $100k
1.00%^*	$100k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 0.45% → $1k - $5k \| 0.50% → $5k - $10k \| 0.75% → $10k - $50k \| 0.85% → $50k - $100k
0.50%^*	$100k^*	-	6 Month IRA Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.30% → $10k - $50k \| 0.40% → $50k - $100k

Locations

Cosden Federal Credit Union Locations
Branch Office	400 E MARCY DR	BIG SPRING, TX 79720-5714

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