Espeeco Federal Credit Union is headquartered in Bakersfield and is the 228th largest credit union in the state of California. It is also the 3,542nd largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 2 employees and 1,075 members at 1 location. Espeeco Federal Credit Union's CD rates are 67% higher than the national average, and it has a C+ health rating.
Espeeco Federal Credit Union is open to anyone affiliated with any of 25 SEGs, including Union Pacific Railroad, San Joaquin Valley Railroad, and Good Samaritan Hospital. Membership also extends to immediate family of existing Espeeco Federal Credit Union members.
See current membership details
Overall | |
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NCUA # | 9590 |
Year Chartered | 1954 |
Employees | 2 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 3.26% |
Return on Equity - YTD | 45.22% |
Annual Interest Income | $136K |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $11.9MM$11.7MM |
Loans | Q1 2025vs Q1 2024 | $5.9MM$6.2MM |
Deposits | Q1 2025vs Q1 2024 | $11MM$10.9MM |
Equity Capital | Q1 2025vs Q1 2024 | $851K$790K |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $59K$124K |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $56K$72K |
Real Estate Owned | Q1 2025vs Q1 2024 | $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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
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0.40% | $0 | - | Educational IRA | |
0.15% | $0 | $2.5k | Holiday Club Account | |
0.10% | $250 | - | Regular Shares | |
0.10% | $25 | - | Kids Share Account |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.40% | $0 | - | Traditional IRA | |
0.40% | $0 | - | Roth IRA |
Espeeco Federal Credit Union Locations | ||
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Branch Office | 2801 H St | Bakersfield, CA 93301-1913 |