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Electrical Federal Credit Union

Popular Accounts at this Credit Union

0.50%1-year CD12 Month CD
0.05%SavingsSpecial Share Savings
1.31%4-year CD48 Month CD

Overview / Commentary
5080 W 60th Ave
Arvada, CO 80003-6919

Electrical Federal Credit Union is headquartered in Arvada and is the 47th largest credit union in the state of Colorado. It is also the 2,674th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 9 employees and 4,273 members at 1 location. Electrical Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must be a member of IBEW Local 68 or 111, United Food and Commercial Workers Local 7, Carpenters Local 55, Plumbers Local 3, Denver Labor Council for Latin American Advancement, Office & Professional Employees International Union Local 5, or labor union affiliated with either the Colorado AFL-CIO or the Denver Area Labor Federation.
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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. Electrical Federal Credit Union has a low asset base.

Health Grade Components

NCUA #8701
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD9.05%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$36.6MM$35.8MM
LoansQ4 2016vs Q4 2015$19.7MM$17.8MM
DepositsQ4 2016vs Q4 2015$33.3MM$32.8MM
Equity CapitalQ4 2016vs Q4 2015$3.2MM$2.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$145.00K$117.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$267.00K$160.00K
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.

Electrical Federal Credit Union Savings Account Rates

0.30%--IRA Savings Account
0.05%--Regular Share Savings
0.05%--Christmas Club
0.05%--Special Share Savings
0.05%--Christmas Club Restricted

Electrical Federal Credit Union Money Market Rates

0.25%*$75k*-Money Market Account
OTHER TIERS: 0.15% $1k - $10k | 0.17% $10k - $25k | 0.20% $25k - $75k

Electrical Federal Credit Union CD Rates

1.31%$1k-48 Month CD
1.01%$1k-36 Month CD
0.70%$1k-24 Month CD
0.50%$1k-12 Month CD
0.20%$1k-6 Month CD
0.15%$250-3 Month CD

Electrical Federal Credit Union IRA Rates

1.31%$1k-48 Month IRA
1.01%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.50%$1k-12 Month IRA
0.25%*$1k*-6 Month IRA
OTHER TIERS: 0.20% $500 - $1k

Electrical Federal Credit Union Locations
Branch Office5080 W 60th AveArvada, CO 80003-6919