Habersham Federal Credit Union


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 3,229th largest credit union in the nation. It was established in 1978 and as of June of 2019, it had grown to 12 employees and 4,232 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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Health
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 - YTD0.82%
Return on Equity - YTD5.72%
Annual Interest Income$529.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$22.4MM$22.1MM
LoansQ2 2019vs Q2 2018$14.9MM$12.9MM
DepositsQ2 2019vs Q2 2018$19.1MM$19.0MM
Equity CapitalQ2 2019vs Q2 2018$3.2MM$3.0MM
Loan Loss AllowanceQ2 2019vs Q2 2018$74.00K$47.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$22.00K$1,000
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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Habersham Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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 30525-6085
Branch Office448 Evans StHomer, GA 30547
Branch Office120 Church Sawmill RdClarkesville, GA 30523

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