El Monte Community Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.55%	5-year CD	60 Month CD 2.40% - Goldman Sachs Bank USA 5 Year CD
0.50%	1-year CD	12 Month CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.10%	Savings	Regular Shares 1.35% - CIT Bank Premier High Yield Savings

View all El Monte Community Credit Union rates »

Overview / Commentary

www.emcecu.org

626-444-0501

11718 Ramona Blvd
El Monte, CA 91732

El Monte Community Credit Union is headquartered in El Monte and is the 235^th largest credit union in the state of California. It is also the 2,967^th largest credit union in the nation. It was established in 1956 and as of June of 2017, it had grown to 6 employees and 4,035 members at 1 location. El Monte Community Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work or worship in the cities of El Monte, Baldwin Park, South El Monte, Rosemead or Irwindale.
See current membership details

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Health

B

Data as of Q2 2017

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. El Monte Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	95072
Year Chartered	1956
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.24%
Return on Equity - YTD	2.96%
Annual Interest Income	$427.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$29.4MM$26.3MM
Loans	Q2 2017vs Q2 2016	$10.3MM$10.1MM
Deposits	Q2 2017vs Q2 2016	$26.9MM$23.8MM
Equity Capital	Q2 2017vs Q2 2016	$2.4MM$2.2MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$26.00K$32.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$37.00K$32.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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

El Monte Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$100	-	IRA Shares
0.10%	$500	-	Regular Shares
0.10%	-	-	Cub Club Shares

El Monte Community Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	Money Market
OTHER TIERS: 0.15% → $500 - $25k \| 0.16% → $1k - $10k

El Monte Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%	$2k	-	60 Month CD
1.35%	$2k	-	48 Month CD
0.90%	$2k	-	36 Month CD
0.70%	$2k	-	24 Month CD
0.60%	$2k	-	18 Month CD
0.50%	$2k	-	12 Month CD
0.45%	$2k	-	6 Month CD
0.25%	$2k	-	3 Month CD

Locations

El Monte Community Credit Union Locations
Branch Office	11718 Ramona Blvd	El Monte, CA 91732