1. Banks
  2. Espeeco Federal Credit Union

Espeeco Federal Credit Union


Overview / Commentary
www.espeeco.org
661-327-5548
2801 H St
Bakersfield, CA 93301

Espeeco Federal Credit Union is headquartered in Bakersfield and is the 263rd largest credit union in the state of California. It is also the 4,042nd largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 4 employees and 1,759 members at 1 location. Espeeco Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Espeeco Federal Credit Union is open to anyone affiliated with the following SEGs: St. John's Church, Union Pacific Railroad, San Joaquin Valley Railroad, Rendezvous Salon, Law Office of Young & Nichols, John R. Wright Trucking, Sully and Sons Hydraulics, Jeremy Willer Construction, Mexicali Restaurants, United Brotherhood of Carpenters Local Union 743, Costco Wholesale, Good Samaritan Hospital, Bakersfield Pentecostal Church, Kern Backhoe Service Inc., Armored Transport of California, or Young Wooldridge, LLP. Membership also extends to immediate family of existing members.
See current membership details

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
C+

Data as of Q4 2019

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, and a negative return on assets.

Health Grade Components

Overall
NCUA #9590
Year Chartered1954
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-3.09%
Return on Equity - YTD-30.4%
Annual Interest Income$349.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$9.4MM$10.5MM
LoansQ4 2019vs Q4 2018$4.4MM$3.9MM
DepositsQ4 2019vs Q4 2018$8.5MM$9.2MM
Equity CapitalQ4 2019vs Q4 2018$1.0MM$1.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$126.00K$125.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$20.00K$0
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Espeeco Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Traditional IRA
0.40%--Roth IRA
0.40%--Educational IRA
0.15%$250-Regular Shares
0.15%-$2.5kHoliday Club Account
0.15%$25-Kids Share Account

Espeeco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-9 Month Time Certificate
0.30%$1k-12 Month Time Certificate
0.25%$1k-6 Month Time Certificate
0.20%$1k-3 Month Time Certificate
Locations


Espeeco Federal Credit Union Locations
Branch Office2801 H StBakersfield, CA 93301-1913

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.