ECU Credit Union

Overview / Commentary

www.ecucreditunion.com

800-382-2400

8250 Bryan Dairy Rd Ste 150
Largo, FL 33777

ECU Credit Union is headquartered in Largo and is the 98^th largest credit union in the state of Florida. It is also the 2,731^st largest credit union in the nation. It was established in 1991 and as of June of 2019, it had grown to 11 employees and 3,444 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.
See current membership details

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Health

Data as of Q2 2019

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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. ECU Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67336
Year Chartered	1991
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	2.31%
Annual Interest Income	$628.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$34.4MM$35.6MM
Loans	Q2 2019vs Q2 2018	$17.4MM$20.1MM
Deposits	Q2 2019vs Q2 2018	$28.8MM$30.3MM
Equity Capital	Q2 2019vs Q2 2018	$5.3MM$5.1MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$206.00K$221.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$340.00K$386.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
Checking

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Always verify rates and promotions with the bank or credit union. We are not ECU Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$5k	-	Elite Checking
0.10%	$5k	-	Regular Checking

Locations

ECU Credit Union Locations
Branch Office	16597 Interstate 45 S	Conroe, TX 77385
Branch Office	8250 Bryan Dairy Rd Ste 150	Largo, FL 33777
Branch Office	8201 Chancellor Dr	Orlando, FL 32809

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