Espeeco Federal Credit Union

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12 Month Online CD

No minimum balance
No account open fees
FDIC Insured

1.50% APY

Online Savings Account

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Consistently Competitive Rates.
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1.20% APY

Overview / Commentary

www.espeeco.org

661-327-5548

1015 Sumner St
Bakersfield, CA 93305

Espeeco Federal Credit Union is headquartered in Bakersfield and is the 284^th largest credit union in the state of California. It is also the 4,395^th largest credit union in the nation. It was established in 1954 and as of June of 2017, it had grown to 3 employees and 1,248 members at 1 location. Espeeco Federal Credit Union has a B health rating.

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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. Espeeco Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	9590
Year Chartered	1954
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	-1.34%
Return on Equity - YTD	-7.74%
Annual Interest Income	$97.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$8.3MM$8.3MM
Loans	Q2 2017vs Q2 2016	$4.1MM$4.5MM
Deposits	Q2 2017vs Q2 2016	$6.8MM$6.8MM
Equity Capital	Q2 2017vs Q2 2016	$1.5MM$1.6MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$126.00K$138.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$27.00K$14.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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IRA

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

Espeeco Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	-	-	Traditional IRA
0.40%	-	-	Roth IRA
0.40%	-	-	Educational IRA
0.15%	$250	-	Regular Shares
0.15%	-	$2,500	Holiday Club Account
0.15%	$25	-	Kids Share Account

Espeeco Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$1k	-	9 Month CD
0.30%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	3 Month CD

Espeeco Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$1k	-	9 Month IRA CD
0.30%	$1k	-	12 Month IRA CD
0.25%	$1k	-	6 Month IRA CD
0.20%	$1k	-	3 Month IRA CD

Locations

Espeeco Federal Credit Union Locations
Branch Office	1015 Sumner St	Bakersfield, CA 93305-5254