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Overview / Commentary
420 W Louise St
Clarkesville, GA 30523

Habersham Federal Credit Union is headquartered in Clarkesville and is the 58th largest credit union in the state of Georgia. It is also the 3,357th largest credit union in the nation. It was established in 1978 and as of September of 2017, it had grown to 11 employees and 3,773 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 - YTD0.6%
Return on Equity - YTD4.12%
Annual Interest Income$651.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$21.1MM$18.9MM
LoansQ3 2017vs Q3 2016$10.7MM$10.7MM
DepositsQ3 2017vs Q3 2016$18.0MM$15.9MM
Equity CapitalQ3 2017vs Q3 2016$3.0MM$2.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$18.00K$18.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$2.00K$0
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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Habersham Federal Credit Union Savings Account Rates

0.50%--IRA Account
0.25%--Christmas Club Share Account
0.15%$51-Regular Share Account
0.15%--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 Office106 E Savannah StClayton, GA 30525-5886
Branch Office448 Evans StHomer, GA 30547
Branch Office420 W Louise StClarkesville, GA 30523