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Overview / Commentary
5724 Highway 280 E
Birmingham, AL 35242

Ebsco Federal Credit Union is headquartered in Birmingham and is the 78th largest credit union in the state of Alabama. It is also the 4,012th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 5 employees and 1,461 members at 1 location. Ebsco Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to U.S. employees of EBSCO Industries, Inc. and its affiliates.
See current membership details


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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. Ebsco Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8919
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.86%
Annual Interest Income$321.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$12.0MM$11.7MM
LoansQ4 2016vs Q4 2015$7.3MM$6.8MM
DepositsQ4 2016vs Q4 2015$10.8MM$10.6MM
Equity CapitalQ4 2016vs Q4 2015$1.1MM$1.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$74.00K$116.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$0$0
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ebsco Federal Credit Union Savings Account Rates

0.75%*$100*$3kChristmas Club Account
OTHER TIERS: 0.25% $3k+
0.25%$100-Share Savings Account
0.25%--IRA Savings Account

Ebsco Federal Credit Union CD Rates

1.50%--60 Month CD
1.25%--48 Month CD
1.00%--36 Month CD
0.75%--24 Month CD
0.50%--12 Month CD

Ebsco Federal Credit Union IRA Rates

2.00%--60 Month IRA CD
1.50%--48 Month IRA CD
1.25%--36 Month IRA CD
0.75%--24 Month IRA CD
0.50%--12 Month IRA CD

Ebsco Federal Credit Union Locations
Branch Office5724 Highway 280 EBirmingham, AL 35242