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Federal Employees Credit Union


Overview / Commentary
www.federalempscu.com
205-322-4026
1509 4th Ave S
Birmingham, AL 35233

Federal Employees Credit Union is headquartered in Birmingham and is the 68th largest credit union in the state of Alabama. It is also the 3,500th largest credit union in the nation. It was established in 1958 and as of December of 2019, it had grown to 5 employees and 1,626 members at 1 location. Federal Employees Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Federal Employees Credit Union of Alabama is open to the current and retired federal employees, including military personnel and all veterans along with their family members.
See current membership details

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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. Federal Employees Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #62599
Year Chartered1958
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD0.75%
Annual Interest Income$787.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$16.9MM$18.9MM
LoansQ4 2019vs Q4 2018$8.8MM$8.6MM
DepositsQ4 2019vs Q4 2018$13.4MM$15.5MM
Equity CapitalQ4 2019vs Q4 2018$3.3MM$3.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$119.00K$162.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$201.00K$352.00K
Real Estate OwnedQ4 2019vs Q4 2018$24.00K$24.00K
Rates
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Federal Employees Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$250-IRA Club
0.50%--Share Account
0.50%--Club Account

Federal Employees Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$500-48 Month CD
1.40%$100k-48 Month Jumbo CD
1.30%$500-36 Month CD
1.30%$100k-36 Month Jumbo CD
1.25%$500-30 Month CD
1.25%$100k-30 Month Jumbo CD
1.20%$500-24 Month CD
1.20%$100k-24 Month Jumbo CD
1.15%$500-18 Month CD
1.15%$100k-18 Month Jumbo CD
1.00%$500-12 Month CD
1.00%$100k-12 Month Jumbo CD
0.90%$500-6 Month CD
0.90%$100k-6 Month Jumbo CD

Federal Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%--60 Month IRA
1.30%--36 Month IRA
1.20%--24 Month IRA
1.00%--12 Month IRA
Locations


Federal Employees Credit Union Locations
Branch Office1509 4th Ave SBirmingham, AL 35233-1612

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