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Overview / Commentary
510-433-9200
1528 Webster St
Alameda, CA 94501

Financial Benefits Credit Union is headquartered in Alameda and is the 269th largest credit union in the state of California. It is also the 3,513th largest credit union in the nation. It was established in 1931 and as of March of 2016, it had grown to 5 employees and 2,716 members at 1 location. Financial Benefits Credit Union has a B health rating.

Field of Membership Restrictions

Financial Benefits Credit Union of California is open to the residents and the people that maintain employment within Alameda City, the California Railway employees, employees from the businesses that are registered with the Better Business Bureau of Northern California, and the Emeryville Chamber of Commerce, along with the employees of the credit union affiliated partner companies,and the family members of current credit union members.
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Health
B
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. Financial Benefits Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #61125
Year Chartered1931
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD-0.69%
Return on Equity - YTD-8.43%
Annual Interest Income$191.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$19.2MM$18.7MM
LoansQ1 2016vs Q1 2015$14.1MM$15.4MM
DepositsQ1 2016vs Q1 2015$17.6MM$17.0MM
Equity CapitalQ1 2016vs Q1 2015$1.6MM$1.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$15.00K$43.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$0$33.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Financial Benefits Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--IRA Share Account
0.40%--Roth IRA Share Account
0.40%--Educational Savings Account
0.25%$25-Youth Share (ages 0 - 12)
0.25%$25-Teen Share (ages 13 - 17)
0.15%--Christmas Club Account
0.10%$300-Membership Share Account

Financial Benefits Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Market Daily Account

Financial Benefits Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Share Draft Account

Financial Benefits Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$300-36 Month CD
0.60%$300-24 Month CD
0.40%$300-12 Month CD
0.30%$300-6 Month CD
0.20%$300-3 Month CD

Financial Benefits Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$300-36 Month IRA Certificate
0.70%$300-24 Month IRA Certificate
0.50%$300-12 Month IRA Certificate
Locations


Financial Benefits Credit Union Locations
Branch Office1528 Webster StAlameda, CA 94501