Dynamic Federal Credit Union

Overview / Commentary

419-586-5522

900 E Wayne St
Celina, OH 45822

Dynamic Federal Credit Union is headquartered in CELINA and is the 104^th largest credit union in the state of Ohio. It is also the 2,419^th largest credit union in the nation. It was established in 1950 and as of September of 2019, it had grown to 15 employees and 5,521 members at 1 location. Dynamic Federal Credit Union's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or worship in, and businesses and other legal entities located in Mercer County in the state of Ohio.
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Health

B+

Data as of Q3 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. Dynamic Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	6747
Year Chartered	1950
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	2.18%
Return on Equity - YTD	11.99%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$45.4MM$40.2MM
Loans	Q3 2019vs Q3 2018	$28.6MM$25.0MM
Deposits	Q3 2019vs Q3 2018	$37.1MM$32.9MM
Equity Capital	Q3 2019vs Q3 2018	$8.2MM$7.2MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$209.00K$166.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$116.00K$90.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
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.

Dynamic Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$5	-	Student Savings Account
0.65%^*	$20k^*	-	Regular Savings Account
OTHER TIERS: 0.35% → $100 - $5k \| 0.45% → $5k - $20k
0.65%^*	$20k^*	-	Vacation Club Account
OTHER TIERS: 0.35% → $100 - $5k \| 0.45% → $5k - $20k
0.65%^*	$20k^*	-	Christmas Club Account
OTHER TIERS: 0.35% → $100 - $5k \| 0.45% → $5k - $20k
0.65%^*	$20k^*	-	Escrow Savings Account
OTHER TIERS: 0.35% → $100 - $5k \| 0.45% → $5k - $20k

Dynamic Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$20k^*	-	Regular Share Draft Account
OTHER TIERS: 0.00% → $1k - $5k \| 0.10% → $5k - $20k
0.15%^*	$20k^*	-	Second Checking Account
OTHER TIERS: 0.00% → $1k - $5k \| 0.10% → $5k - $20k

Dynamic Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.64%	$500	-	24 Month Share Certificate
1.13%	$500	-	18 Month Share Certificate
1.00%	$500	-	12 Month Share Certificate
0.85%	$500	-	6 Month Share Certificate

Locations

Dynamic Federal Credit Union Locations
Corporate Office	900 E WAYNE ST	CELINA, OH 45822

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