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East Alabama Community Federal Credit Union


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 71st largest credit union in the state of Alabama. It is also the 3,625th largest credit union in the nation. It was established in 1958 and as of December of 2019, it had grown to 6 employees and 3,755 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.
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Health
B+

Data as of Q4 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. East Alabama Community Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #12383
Year Chartered1958
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD1.26%
Annual Interest Income$494.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$14.7MM$14.3MM
LoansQ4 2019vs Q4 2018$6.0MM$6.4MM
DepositsQ4 2019vs Q4 2018$12.0MM$11.6MM
Equity CapitalQ4 2019vs Q4 2018$2.6MM$2.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$48.00K$42.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$25.00K$5.00K
Real Estate OwnedQ4 2019vs Q4 2018$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.

East Alabama Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--Christmas Club Account
0.25%*-$2kKids Smart Start Savings
OTHER TIERS: 0.06% → $2k+
0.06%--Shares
0.06%--Vacation Club

East Alabama Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Share Draft Account

East Alabama Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-36 Month CD
0.25%$1k-24 Month CD
0.20%$1k-12 Month CD
0.15%$1k-6 Month CD
Locations


East Alabama Community Federal Credit Union Locations
Branch Office509 E THOMASON CIROPELIKA, AL 36801-5431

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