2. Federal Employees Credit Union

Federal Employees Credit Union


Overview / Commentary
www.federalempscu.com
205-322-4026
1509 4th Ave S
Birmingham, AL 35233-1612

Federal Employees Credit Union is headquartered in Birmingham and is the 64th largest credit union in the state of Alabama. It is also the 3,415th largest credit union in the nation. It was established in 1958 and as of December of 2018, it had grown to 5 employees and 1,563 members at 1 location. Federal Employees Credit Union's CD rates are 94% 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.
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Health
C+

Data as of Q4 2018

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 - YTD0.38%
Return on Equity - YTD2.22%
Annual Interest Income$812.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$18.9MM$19.5MM
LoansQ4 2018vs Q4 2017$8.6MM$8.0MM
DepositsQ4 2018vs Q4 2017$15.5MM$16.1MM
Equity CapitalQ4 2018vs Q4 2017$3.3MM$3.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$162.00K$69.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$352.00K$317.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
2.45%$100k-48 Month Jumbo CD
2.35%$500-48 Month CD
2.35%$100k-36 Month Jumbo CD
2.25%$500-36 Month CD
2.20%$100k-30 Month Jumbo CD
2.10%$500-30 Month CD
2.10%$100k-24 Month Jumbo CD
2.00%$500-24 Month CD
1.95%$100k-18 Month Jumbo CD
1.85%$500-18 Month CD
1.75%$100k-12 Month Jumbo CD
1.65%$500-12 Month CD
1.50%$100k-6 Month Jumbo CD
1.40%$500-6 Month CD

Federal Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%--60 Month IRA
1.87%--36 Month IRA
1.70%--24 Month IRA
1.40%--12 Month IRA
Locations


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

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