Fall River Municipal Credit Union

Overview / Commentary

www.frmcu.com

508-678-9028

333 Milliken Blvd
Fall River, MA 02721

Fall River Municipal Credit Union is headquartered in Fall River and is the 39^th largest credit union in the state of Massachusetts. It is also the 1,031^st largest credit union in the nation. It was established in 1930 and as of December of 2018, it had grown to 43 employees and 11,985 members at 5 locations. Fall River Municipal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Fall River Municipal Credit Union of Massachusetts is open to the residents, businesses, people that maintain employment, and the registered students in these eligible counties: Massachusetts- Bristol, Plymouth, and Barnstable, Rhode Island- Bristol and Newport, as well as the direct family and/or household members of these eligible persons.
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Health

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	67894
Year Chartered	1930
Employees	43
Primary Regulator

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	4.75%
Annual Interest Income	$6.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$209.3MM$208.7MM
Loans	Q4 2018vs Q4 2017	$127.1MM$123.8MM
Deposits	Q4 2018vs Q4 2017	$156.2MM$149.3MM
Equity Capital	Q4 2018vs Q4 2017	$23.5MM$23.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$904.00K$1.0MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$560.00K$599.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
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.

Fall River Municipal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$100	-	Traditional IRA Statement
0.30%	$100	-	Roth IRA Statement
0.30%	$100	-	ESA Statement
0.20%	$1k	-	Premium Savings
0.10%	$10	-	Savings
0.10%	$1	-	Sid Saver Savings
0.10%	$10	-	Vacation Club
0.10%	$1	-	Blue Star Savings
0.10%	$10	-	Holiday Club
0.10%	$10	-	Burial Savings Account
0.05%	-	-	Escrow Account
0.05%	$10	-	Life Savings

Fall River Municipal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%^*	$25k^*	-	Premium Money Market Special
OTHER TIERS: 0.05% → $10 - $2.5k \| 0.10% → $2.5k - $5k \| 0.15% → $5k - $10k \| 0.20% → $10k - $25k
0.35%^*	$100k^*	-	Money Market
OTHER TIERS: 0.05% → $10 - $2.5k \| 0.10% → $2.5k - $5k \| 0.15% → $5k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $100k

Fall River Municipal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$10	-	Premium Checking
0.05%	$10	-	Choice Checking

Fall River Municipal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$500	-	36 Month Certificate
2.53%	$500	-	30 Month Certificate
2.27%	$500	-	24 Month Certificate
2.02%	$500	-	18 Month Certificate
1.51%	$500	-	12 Month Certificate
1.40%	$500	-	60 Month Certificate
1.25%	$500	-	48 Month Certificate
0.35%	$500	-	9 Month Certificate
0.30%	$500	-	6 Month Certificate
0.20%	$500	-	3 Month Certificate

Fall River Municipal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$500	-	36 Month IRA Certificate
2.53%	$500	-	30 Month IRA Certificate
2.27%	$500	-	24 Month IRA Certificate
2.02%	$500	-	18 Month IRA Certificate
1.51%	$500	-	12 Month IRA Certificate
1.40%	$500	-	60 Month IRA Certificate
1.25%	$500	-	48 Month IRA Certificate
0.35%	$500	-	9 Month IRA Certificate
0.30%	$500	-	6 Month IRA Certificate

Locations

Fall River Municipal Credit Union Locations
Branch Office	755 Gar Hwy	SWANSEA, MA 02777
Branch Office	1110 Robeson St	Fall River, MA 02720
Branch Office	333 Milliken Blvd	Fall River, MA 02721
Branch Office	58 S Main St	Assonet, MA 02702
Branch Office	1208 Dwelly St	Fall River, MA 02724

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