Overview / Commentary
800-382-2400
8250 Bryan Dairy Rd Ste 150
Largo, FL 33777

ECU Credit Union is headquartered in Largo and is the 94th largest credit union in the state of Florida. It is also the 2,679th largest credit union in the nation. It was established in 1991 and as of September of 2018, it had grown to 12 employees and 3,575 members at 3 locations. ECU Credit Union's money market rates are 36% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

ECU Credit Union of Florida is open to the employees of CVS Health, Rite Aide, Bardmoor Palms facility, Eckerd Kids, or employed by an affiliated contractor, sub-contractor, or at a facility located within the same complex as a branch office. Membership eligibility also extends to include the former ECU credit unions members and the family members of current credit union members.
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Health
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. ECU Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67336
Year Chartered1991
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD1.53%
Annual Interest Income$937.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$35.6MM$37.2MM
LoansQ3 2018vs Q3 2017$18.8MM$20.4MM
DepositsQ3 2018vs Q3 2017$30.3MM$31.7MM
Equity CapitalQ3 2018vs Q3 2017$5.1MM$5.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$199.00K$180.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$380.00K$361.00K
Real Estate OwnedQ3 2018vs Q3 2017$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.

ECU Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Regular Share Savings
OTHER TIERS: 0.10% $500 - $2.5k | 0.35% $2.5k - $5k | 0.40% $5k - $10k | 0.50% $10k - $50k
0.60%*$50k*-Youth Share Savings
OTHER TIERS: 0.10% Up to $2.5k | 0.35% $2.5k - $5k | 0.40% $5k - $10k | 0.50% $10k - $50k
0.60%*$50k*-IRA Account
OTHER TIERS: 0.10% Up to $2.5k | 0.35% $2.5k - $5k | 0.40% $5k - $10k | 0.50% $10k - $50k
0.10%--Christmas Club

ECU Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Money Savers
OTHER TIERS: 0.35% $2.5k - $5k | 0.40% $5k - $10k | 0.50% $10k - $50k

ECU Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$5k-Elite Checking
0.10%$5k-Regular Checking
Locations


ECU Credit Union Locations
Branch Office8250 Bryan Dairy Rd Ste 150Largo, FL 33777
Branch Office8201 Chancellor DrOrlando, FL 32809
Branch Office16597 Interstate 45 SConroe, TX 77385

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