Habersham Federal Credit Union

Overview / Commentary
120 Church Sawmill Rd
Clarkesville, GA 30523

Habersham Federal Credit Union is headquartered in Clarkesville and is the 53rd largest credit union in the state of Georgia. It is also the 3,210th largest credit union in the nation. It was established in 1978 and as of December of 2019, it had grown to 12 employees and 4,310 members at 3 locations. Habersham Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Habersham, Rabun, or Banks Counties.
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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. Habersham Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23054
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD5.34%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$22.6MM$22.2MM
LoansQ4 2019vs Q4 2018$15.2MM$13.6MM
DepositsQ4 2019vs Q4 2018$19.2MM$18.9MM
Equity CapitalQ4 2019vs Q4 2018$3.3MM$3.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$60.00K$27.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$100.00K$9.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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Habersham Federal Credit Union Savings Account Rates

0.75%--IRA Account
0.25%--Christmas Club Share Account
0.20%$51-Regular Share Account
0.20%--Special Share Savings Account

Habersham Federal Credit Union Checking Account Rates

0.10%$500-Premium Share Draft Account
0.05%--Basic Share Draft Account

Habersham Federal Credit Union Locations
Branch Office91 E Savannah St Ste 106Clayton, GA 30525-6085
Branch Office448 Evans StHomer, GA 30547
Branch Office120 Church Sawmill RdClarkesville, GA 30523

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