H E A Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.05%	5-year CD	5 Year CD 2.35% - Synchrony Bank 60 Month CD
0.50%	1-year CD	1 Year CD 1.40% - Synchrony Bank 12 Month CD
0.95%	4-year CD	4 Year CD 1.80% - Goldman Sachs Bank USA 4 Year CD

View all H E A Federal Credit Union rates »

Overview / Commentary

www.heafcu.org

800-671-8969

121 Osigian Blvd
Warner Robins, GA 31088

H E A Federal Credit Union is headquartered in WARNER ROBINS and is the 55^th largest credit union in the state of Georgia. It is also the 3,134^th largest credit union in the nation. It was established in 1961 and as of March of 2017, it had grown to 7 employees and 3,291 members at 1 location. H E A Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the Houston County Board of Education, the Peach County Board of Education, Middle Georgia Regional Educational Service Agency, employees and students of Central Georgia Technical College, students of most schools in Houston County, Active members of the Houston County Retired Teachers Association, and members of the Parent-Teacher Organizations of most of the schools in Houston County.
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Health

B

Data as of Q1 2017

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. H E A Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	14670
Year Chartered	1961
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.74%
Return on Equity - YTD	7.59%
Annual Interest Income	$199.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$25.8MM$25.3MM
Loans	Q1 2017vs Q1 2016	$13.1MM$12.9MM
Deposits	Q1 2017vs Q1 2016	$23.3MM$23.0MM
Equity Capital	Q1 2017vs Q1 2016	$2.5MM$2.3MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$89.00K$82.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$92.00K$55.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

H E A Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.05%^†	$1k	-	5 Year CD
0.95%^†	$1k	-	4 Year CD
0.75%^†	$1k	-	3 Year CD
0.60%^†	$1k	-	2 Year CD
0.50%^†	$1k	-	1 Year CD
0.40%^†	$1k	-	6 Month CD

Locations

H E A Federal Credit Union Locations
Branch Office	121 OSIGIAN BLVD	WARNER ROBINS, GA 31088