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Overview / Commentary
706-754-3680
420 W Louise St
Clarkesville, GA 30523

Habersham Federal Credit Union is headquartered in Clarkesville and is the 57th largest credit union in the state of Georgia. It is also the 3,371st largest credit union in the nation. It was established in 1978 and as of December of 2017, it had grown to 12 employees and 3,821 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.
See current membership details

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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. Habersham Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #23054
Year Chartered1978
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD3.25%
Annual Interest Income$880.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$20.1MM$18.4MM
LoansQ4 2017vs Q4 2016$11.3MM$11.0MM
DepositsQ4 2017vs Q4 2016$17.1MM$15.5MM
Equity CapitalQ4 2017vs Q4 2016$3.0MM$2.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$46.00K$23.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$20.00K$14.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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Habersham Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Premium Share Draft Account
0.05%--Basic Share Draft Account
Locations


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

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