Electro Savings Credit Union

Overview / Commentary

www.electrosavings.com

314-434-6470

1850 Craigshire Rd Ste 203
Saint Louis, MO 63146

Electro Savings Credit Union is headquartered in Saint Louis and is the 17^th largest credit union in the state of Missouri. It is also the 1,174^th largest credit union in the nation. It was established in 1941 and as of June of 2019, it had grown to 58 employees and 18,249 members at 5 locations. Electro Savings Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Electro Savings Credit Union is open to individuals who live or work in the Missouri counties of Franklin, Jefferson, St. Charles, or St. Louis, as well as the City of St. Louis, or the Illinois counties of Jersey, Madison, Monroe, or St. Clair. Businesses in these areas are also eligible for membership.
See current membership details

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Health

B+

Data as of Q2 2019

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Health Grade Components

Overall
NCUA #	62590
Year Chartered	1941
Employees	58
Primary Regulator

Profit Margin
Return on Assets - YTD	0%
Return on Equity - YTD	0.03%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$173.0MM$172.3MM
Loans	Q2 2019vs Q2 2018	$138.7MM$130.2MM
Deposits	Q2 2019vs Q2 2018	$156.4MM$150.4MM
Equity Capital	Q2 2019vs Q2 2018	$14.4MM$14.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.1MM$874.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$780.00K$1.4MM
Real Estate Owned	Q2 2019vs Q2 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.

Electro Savings Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	-	-	Market Rate IRA Account
1.00%^*	$10k^*	-	IRA Account
OTHER TIERS: 0.50% → Up to $10k
0.70%^*	-	$25k	Kasasa Saver
OTHER TIERS: 0.15% → $25k+
0.50%^*	-	$7.5k	Super Saver Savings
OTHER TIERS: 0.25% → $7.5k+
0.50%^*	-	$7.5k	Student Services Savings
OTHER TIERS: 0.25% → $7.5k+
0.50%^*	-	$7.5k	Super Powers Savings
OTHER TIERS: 0.25% → $7.5k+
0.30%	-	-	Holiday Club Savings
0.10%	-	-	Basic Savings (Regular Shares)
0.10%	-	-	Vacation Club
0.10%	-	-	Home Buyer Club
0.10%^*	$5k^*	-	Business Savings
OTHER TIERS: 0.05% → Up to $5k

Electro Savings Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$100k^*	$200k	Superior Money Market
OTHER TIERS: 1.00% → $200k+
0.50%	$25k	-	Plus Money Market Account
0.40%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k
0.40%^*	$50k^*	-	Business Money Market
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k

Electro Savings Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.25%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.15% → $10k+

Electro Savings Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*	$10k^*	-	36 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%^*	$10k^*	-	38 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%^*	$10k^*	-	60 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%	$100k	-	24 Month Jumbo CD
1.75%	$100k	-	36 Month Jumbo CD
1.75%	$100k	-	60 Month Jumbo CD
1.75%	$100k	-	Business 24 Month Jumbo CD
1.75%^*	$10k^*	-	Business 36 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%	$100k	-	Business 36 Month Jumbo CD
1.75%^*	$10k^*	-	Business 38 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%^*	$10k^*	-	Business 60 Month CD
OTHER TIERS: 1.50% → $1k - $10k
1.75%	$100k	-	Business 60 Month Jumbo CD
1.65%	$100k	-	24 Month Jumbo Monthly CD
1.65%	$100k	-	36 Month Jumbo Monthly CD
1.65%	$100k	-	60 Month Jumbo Monthly CD
1.65%	$100k	-	Business 24 Month Jumbo Monthly CD
1.65%	$100k	-	Business 36 Month Jumbo Monthly CD
1.65%	$100k	-	Business 60 Month Jumbo Monthly CD
1.50%^*	$10k^*	-	12 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%^*	$10k^*	-	24 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%^*	$10k^*	-	28 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%	$100k	-	12 Month Jumbo CD
1.50%^*	$10k^*	-	Business 12 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%	$100k	-	Business 12 Month Jumbo CD
1.50%^*	$10k^*	-	Business 24 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.50%^*	$10k^*	-	Business 28 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.40%	$100k	-	12 Month Jumbo Monthly CD
1.40%	$100k	-	Business 12 Month Jumbo Monthly CD
1.25%	$10k	$100k	9 Month CD - New Money Only
1.25%	$10k	$100k	Business 9 Month CD - New Money Only
1.25%	$1k	$10k	12 Month Save to Win CD
0.50%	$1k	-	6 Month CD
0.50%	$1k	-	Business 6 Month CD
0.25%	$1k	-	3 Month CD
0.25%	$1k	-	Business 3 Month CD

Electro Savings Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$10k^*	-	60 Month IRA
OTHER TIERS: 2.00% → $1k - $10k
2.00%^*	$10k^*	-	36 Month IRA
OTHER TIERS: 1.75% → $1k - $10k
2.00%^*	$10k^*	-	38 Month IRA
OTHER TIERS: 1.75% → $1k - $10k
1.75%^*	$10k^*	-	24 Month IRA
OTHER TIERS: 1.50% → $1k - $10k
1.75%^*	$10k^*	-	28 Month IRA
OTHER TIERS: 1.50% → $1k - $10k
1.25%^*	$10k^*	-	6 Month IRA
OTHER TIERS: 0.75% → $1k - $10k
1.25%^*	$10k^*	-	12 Month IRA
OTHER TIERS: 1.00% → $1k - $10k
1.00%^*	$10k^*	-	3 Month IRA
OTHER TIERS: 0.50% → $1k - $10k

Locations

Electro Savings Credit Union Locations
Branch Office	16500 Manchester Rd	Wildwood, MO 63040-1217
Branch Office	1850 Craigshire Rd Ste 203	Saint Louis, MO 63146
Branch Office	407 Lafayette Ctr	Manchester, MO 63011
Branch Office	12400 Tesson Ferry Rd	Saint Louis, MO 63128
Branch Office	1805 Craigshire Rd	Saint Louis, MO 63146

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