Overview / Commentary
706-754-3680
120 Church Sawmill Rd
Clarkesville, GA 30523

Habersham Federal Credit Union is headquartered in Clarkesville and is the 54th largest credit union in the state of Georgia. It is also the 3,235th largest credit union in the nation. It was established in 1978 and as of December of 2018, it had grown to 12 employees and 4,108 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 - YTD0.64%
Return on Equity - YTD4.53%
Annual Interest Income$983.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$22.2MM$20.1MM
LoansQ4 2018vs Q4 2017$13.6MM$11.3MM
DepositsQ4 2018vs Q4 2017$18.9MM$17.1MM
Equity CapitalQ4 2018vs Q4 2017$3.2MM$3.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$27.00K$46.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$9.00K$20.00K
Real Estate OwnedQ4 2018vs Q4 2017$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 Office91 E Savannah St Ste 106Clayton, GA 30525-5498
Branch Office448 Evans StHomer, GA 30547
Branch Office120 Church Sawmill RdClarkesville, GA 30523

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