Expree Credit Union

Overview / Commentary
100 Moore Dr
Frankfort, KY 40601-8295

Expree Credit Union is headquartered in Frankfort and is the 18th largest credit union in the state of Kentucky. It is also the 1,832nd largest credit union in the nation. It was established in 1938 and as of December of 2019, it had grown to 27 employees and 10,214 members at 2 locations. Expree Credit Union's money market rates are 36% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Expree Credit Union is open to: (1) anyone who lives, works, or worships in Anderson, Bourbon, Boyle, Bullitt, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble and Woodford counties; (2) employees of Adecco Staffing Services, Appalachian College Association, ArvinMeritor, Beam Suntory, Capital Day School, Florida Tile, Frankfort Regional Medical, Good Shepherd School, Montaplast of North America, Open Bible Church, TOPY Corporation, Washington Penn Plastic; (3) students or employees of an affiliate College; (4) employees of the Public Sector; (5) family of any qualifying member. (Complete requirements are posted in the credit union's online application)
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Reviews (1)

Treated Like a Human Being - Great Service

I was fed up with large banks and I decided to try a credit union. I was able to join the state's employee credit union due to me being a state worker. Moving my account was absolutely painless and the clerk walked me through everything I needed to do to ensure my account wouldn't just automatically re-open; this had been a problem when switching from Bank of America to Chase. The interest rates were much better than traditional banks as well. I'm getting 25% better return on my investments (CDs) from the credit union, as well as, getting much better interest on my savings account; although it's not like it used to be in the 90's (4%!). I was interested in opening up an IRA at the bequest of my wife and when speaking with their investment specialist really help. She walked me through my options and made sure I knew the pros and cons of each. She also made it easy to directly deduct from my account so I didn't have to worry about adding money to it on my own. It has been an eye opening experience and one I wish I made earlier on in my life. I had grown to hate banking and banks in general, but the KECU restored my faith in banking.

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. Expree Credit Union has a relatively low asset base.

Health Grade Components

NCUA #62431
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD2.13%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$81.2MM$75.8MM
LoansQ4 2019vs Q4 2018$58.0MM$54.9MM
DepositsQ4 2019vs Q4 2018$70.6MM$64.1MM
Equity CapitalQ4 2019vs Q4 2018$8.3MM$8.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$337.00K$456.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$567.00K$465.00K
Real Estate OwnedQ4 2019vs Q4 2018$90.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Expree Credit Union Savings Account Rates

0.10%--Regular Share/Savings
0.10%--IRA Savings
0.10%--Holiday Club
0.10%--Vacation Club

Expree Credit Union Money Market Rates

0.60%*$25k*-Money Market Savings Account
OTHER TIERS: 0.40% $2.5k - $10k | 0.50% $10k - $25k

Expree Credit Union CD Rates

1.50%$500-60 Month Share Certificate
1.35%$500-48 Month Share Certificate
1.25%$500-36 Month Share Certificate
1.10%$500-24 Month Share Certificate
1.00%$500-18 Month Share Certificate
0.80%$500-12 Month Share Certificate
0.50%$500-6 Month Share Certificate

Expree Credit Union IRA Rates

1.50%$1k-60 Month IRA Certificate
1.35%$1k-48 Month IRA Certificate
1.25%$1k-36 Month IRA Certificate
1.10%$1k-24 Month IRA Certificate
1.00%$1k-18 Month IRA Certificate
0.80%$1k-12 Month IRA Certificate
0.50%$1k-6 Month IRA Certificate

Expree Credit Union Locations
Branch Office100 Moore DrFrankfort, KY 40601-8295
Branch Office100 Minuteman Pkwy Bldg 124B, Ste 2Frankfort, KY 40601

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