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Overview / Commentary
706-613-1644
205 COLLINS INDUSTRIAL BLVD
ATHENS, GA 30601-1517

First Reliance Federal Credit Union is headquartered in ATHENS and is the 75th largest credit union in the state of Georgia. It is also the 3,997th largest credit union in the nation. It was established in 1971 and as of September of 2016, it had grown to 4 employees and 2,771 members at 1 location. First Reliance Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Clarke, Oconee, Oglethorpe, or Madison Counties in Georgia.
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Health
C+
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. First Reliance Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #20707
Year Chartered1971
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD1.65%
Annual Interest Income$344.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$12.5MM$12.4MM
LoansQ3 2016vs Q3 2015$5.4MM$5.5MM
DepositsQ3 2016vs Q3 2015$11.0MM$10.9MM
Equity CapitalQ3 2016vs Q3 2015$1.4MM$1.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$28.00K$34.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$61.00K$125.00K
Real Estate OwnedQ3 2016vs Q3 2015$75.00K$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.

First Reliance Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-IRA Share Account
0.15%$100-Christmas Club Account
0.15%$100-Vacation Club Account
0.10%*$1k*-Regular Share Savings Account
OTHER TIERS: 0.05% $100 - $1k

First Reliance Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-1 Year Share Certificate
0.20%$1k-6 Month Share Certificate

First Reliance Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1k-1 Year IRA Certificate
0.20%$1k-6 Month IRA Certificate
Locations


First Reliance Federal Credit Union Locations
Branch Office205 COLLINS INDUSTRIAL BLVDATHENS, GA 30601-1517