East Alabama Community Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.40%	1-year CD	12 Month CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.12%	Savings	Shares 1.35% - CIT Bank Premier High Yield Savings
0.75%	3-year CD	36 Month CD 1.85% - Synchrony Bank 36 Month CD

View all East Alabama Community Federal Credit Union rates »

Overview / Commentary

www.eamcfcu.com

334-364-2850

509 E THOMASON CIR
OPELIKA, AL 36801-5431

East Alabama Community Federal Credit Union is headquartered in OPELIKA and is the 72^nd largest credit union in the state of Alabama. It is also the 3,780^th largest credit union in the nation. It was established in 1958 and as of June of 2017, it had grown to 7 employees and 3,849 members at 1 location. East Alabama Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Lee County, Alabama.
See current membership details

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Health

B+

Data as of Q2 2017

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. East Alabama Community Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	12383
Year Chartered	1958
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.21%
Return on Equity - YTD	1.21%
Annual Interest Income	$239.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$14.7MM$13.8MM
Loans	Q2 2017vs Q2 2016	$6.7MM$6.9MM
Deposits	Q2 2017vs Q2 2016	$12.0MM$11.2MM
Equity Capital	Q2 2017vs Q2 2016	$2.5MM$2.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$45.00K$40.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$19.00K$52.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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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.

East Alabama Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$2k	Kids Smart Start Savings
OTHER TIERS: 0.12% → $2k+
0.50%	-	-	Christmas Club Account
0.12%	-	-	Shares
0.12%	-	-	Vacation Club

East Alabama Community Federal Credit Union Checking Account Rates

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

East Alabama Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$1k	-	36 Month CD
0.60%	$1k	-	24 Month CD
0.40%	$1k	-	12 Month CD
0.20%	$1k	-	6 Month CD

Locations

East Alabama Community Federal Credit Union Locations
Branch Office	509 E THOMASON CIR	OPELIKA, AL 36801-5431