EP Federal Credit Union

Overview / Commentary

www.epfcu.org

202-874-3210

13th & C Sts SW RM 215A
Washington, DC 20228-0001

EP Federal Credit Union is headquartered in Washington and is the 14^th largest credit union in the District of Columbia. It is also the 2,055^th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 14 employees and 5,377 members at 4 locations. EP Federal Credit Union's CD rates are 96% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of Bureau of Engraving and Printing (work in and paid and supervised from D.C.) or other select organizations.
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Health

Data as of Q4 2018

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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. EP Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	262
Year Chartered	1935
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	0.39%
Return on Equity - YTD	5.01%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$64.0MM$63.8MM
Loans	Q4 2018vs Q4 2017	$31.9MM$32.6MM
Deposits	Q4 2018vs Q4 2017	$58.5MM$58.4MM
Equity Capital	Q4 2018vs Q4 2017	$4.9MM$5.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$186.00K$211.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$317.00K$94.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
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.

EP Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$500	-	Educational Savings
1.01%	$500	-	IRA Roth Savings
0.50%	$5	-	IRA Savings
0.25%	$5	-	uChoose Club Accounts
0.20%^*	$5k^*	-	Regular Savings
OTHER TIERS: 0.15% → $100 - $5k
0.10%	$100	-	Secondary Savings

EP Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$50k^*	-	Money Market
OTHER TIERS: 0.25% → $1k - $15k \| 0.30% → $15k - $35k \| 0.35% → $35k - $50k

EP Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$1k	-	60 Month Smart Saver Share Certificate
2.53%	$1k	-	60 Month Bump Up Share Certificate
2.43%	$1k	-	48 Month Smart Saver Share Certificate
2.32%	$1k	-	48 Month Bump Up Share Certificate
2.27%	$1k	-	36 Month Smart Saver Share Certificate
2.02%	$1k	-	24 Month Smart Saver Share Certificate
2.02%	-	-	48 - 72 Month Pot of Gold Share Certificate - $25/wk
1.76%	$1k	-	12 Month Smart Saver Share Certificate
1.01%	$1k	-	6 Month Smart Saver Share Certificate
1.01%	-	-	48 - 72 Month Pot of Gold Share Certificate - $6/wk

EP Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$500	-	60 Month IRA
2.43%	$500	-	48 Month IRA
2.27%	$500	-	36 Month IRA
2.02%	$500	-	24 Month IRA
1.76%	$500	-	12 Month IRA
1.01%	$500	-	6 Month IRA

Locations

EP Federal Credit Union Locations
Branch Office	13th & C Sts SW RM 215A	Washington, DC 20228-0001
Branch Office	620 Michigan Ave NE Leahy Hall Rm 180	Washington, DC 20064-0001
Branch Office	1300 Pennsylvania Ave NW M-300	Washington, DC 20004-3002
Branch Office	9000 Blue Mound Rd	Fort Worth, TX 76131

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