eCO Credit Union

Overview / Commentary

www.ecocu.org

205-226-3900

105 Frankfurt Cir
Birmingham, AL 35211-6978

eCO Credit Union is headquartered in Birmingham and is the 26^th largest credit union in the state of Alabama. It is also the 1,309^th largest credit union in the nation. It was established in 1979 and as of March of 2019, it had grown to 41 employees and 15,402 members at 7 locations. eCO Credit Union's CD rates are 61% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

eCO Credit Union membership is open to those who live, work, attend school, or worship in Jefferson, Shelby, Walker, Blount, or Cullman counties in Alabama.
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Health

B+

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	65464
Year Chartered	1979
Employees	41
Primary Regulator

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	4.9%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$144.9MM$140.4MM
Loans	Q1 2019vs Q1 2018	$68.1MM$61.4MM
Deposits	Q1 2019vs Q1 2018	$129.8MM$127.9MM
Equity Capital	Q1 2019vs Q1 2018	$13.0MM$11.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$572.00K$570.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$422.00K$435.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

eCO Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	-	-	IRA Club
0.50%^*	$100k^*	-	Share Savings
OTHER TIERS: 0.15% → $100 - $10k \| 0.25% → $10k - $40k \| 0.35% → $40k - $75k \| 0.40% → $75k - $100k
0.50%^*	$100k^*	-	Christmas Club
OTHER TIERS: 0.15% → $100 - $10k \| 0.25% → $10k - $40k \| 0.35% → $40k - $75k \| 0.40% → $75k - $100k
0.50%^*	$100k^*	-	Other Club Accounts
OTHER TIERS: 0.15% → $100 - $10k \| 0.25% → $10k - $40k \| 0.35% → $40k - $75k \| 0.40% → $75k - $100k

eCO Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$100k^*	-	Money Market Magic
OTHER TIERS: 0.25% → $2.5k - $40k \| 0.35% → $40k - $100k

eCO Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$500	-	Checking

eCO Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.05%	$1k	-	5 Year CD
2.45%	$1k	-	4 Year CD
2.25%	$1k	-	3 Year CD
1.85%	$1k	-	30 Month CD
1.75%	$1k	-	2 Year CD
1.65%	$1k	-	18 Month CD
1.45%	$1k	-	1 Year CD
0.95%	$1k	-	6 Month CD
0.35%	$1k	-	3 Month CD

eCO Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.05%	$500	-	5 Year IRA
2.45%	$500	-	4 Year IRA
2.25%	$500	-	3 Year IRA
1.85%	$500	-	30 Month IRA
1.75%	$500	-	2 Year IRA
1.65%	$500	-	18 Month IRA
1.45%	$500	-	1 Year IRA

Locations

eCO Credit Union Locations
Branch Office	2430 Old Springville Rd	Birmingham, AL 35215
Branch Office	4933 Promenade Pkwy Ste 113	Bessemer, AL 35022-7317
Branch Office	2100 18th St S	Birmingham, AL 35209
Branch Office	105 Frankfurt Cir	Birmingham, AL 35211-6978
Branch Office	791 4th Pl SW	Alabaster, AL 35007-8878
Branch Office	1233 Pecan Ave	Gardendale, AL 35071
Branch Office	3746 Lorna Rd	VESTAVIA HILLS, AL 35216

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