Federal Employees Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 63^rd largest credit union in the state of Alabama. It is also the 3,240^th largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 4 employees and 1,771 members at 1 location. Federal Employees Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Federal Employees Credit Union 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

B+

Data as of Q1 2025

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 Chartered	1958
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.11%
Return on Equity - YTD	0.63%
Annual Interest Income	$264K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$19.3MM$18.2MM
Loans	Q1 2025vs Q1 2024	$9.4MM$9.3MM
Deposits	Q1 2025vs Q1 2024	$15.9MM$14.9MM
Equity Capital	Q1 2025vs Q1 2024	$3.2MM$3.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$80K$98K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$131K$85K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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Federal Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	Share Account
0.25%	$0	-	Christmas Club

Federal Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	6 Month CD
4.00%	$500	-	12 Month CD
4.00%	$500	-	18 Month CD
4.00%	$500	-	24 Month CD
4.00%	$500	-	30 Month CD
4.00%	$500	-	36 Month CD
4.00%	$500	-	48 Month CD

Federal Employees Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$500	-	12 Month IRA
4.00%	$500	-	24 Month IRA
4.00%	$500	-	36 Month IRA
4.00%	$500	-	60 Month IRA
0.50%	$500	-	IRA Club

Locations

Federal Employees Credit Union Locations
Branch Office	1509 4th Ave S	Birmingham, AL 35233-1612

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