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Overview / Commentary
420 W Louise St
Clarkesville, GA 30523

Habersham Federal Credit Union is headquartered in Clarkesville and is the 65th largest credit union in the state of Georgia. It is also the 3,524th largest credit union in the nation. It was established in 1978 and as of December of 2016, it had grown to 11 employees and 3,624 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 - YTD0.73%
Return on Equity - YTD4.67%
Annual Interest Income$846.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$18.4MM$16.9MM
LoansQ4 2016vs Q4 2015$11.0MM$9.7MM
DepositsQ4 2016vs Q4 2015$15.5MM$14.1MM
Equity CapitalQ4 2016vs Q4 2015$2.9MM$2.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$23.00K$23.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$14.00K$23.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Habersham Federal Credit Union Savings Account Rates

0.30%--IRA Account
0.15%$51-Regular Share Account
0.15%--Christmas Club 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