Homestead Federal Credit Union

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High Yield 12-Month CD

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Consistently Competitive Rates.
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1.35% APY

Online Savings Account

No Minimum Balance.
No Monthly Maintenance Fee.
FDIC Insured.

1.05% APY

Overview / Commentary

www.homesteadfcu.com

406-259-7052

302 N 11th ST
Billings, MT 59101

Homestead Federal Credit Union is headquartered in BILLINGS and is the 43^rd largest credit union in the state of Montana. It is also the 4,871^st largest credit union in the nation. It was established in 1957 and as of December of 2016, it had grown to 3 employees and 591 members at 1 location. Homestead Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership in Homestead Federal Credit Union is open to employees and former employees of Northwest Truck and Trailer Sales, Inc., Carquest and of its subsidiaries, who work in the States of Montana, Wyoming, and South Dakota, Montana Chad’s, Big Sky Linen Supply, or Brown’s Auto Inc.
See current membership details

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Health

C

Data as of Q4 2016

Learn why bank health matters

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. Homestead Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	24409
Year Chartered	1957
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	6.12%
Annual Interest Income	$278.00K

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$4.9MM$3.6MM
Loans	Q4 2016vs Q4 2015	$4.3MM$3.5MM
Deposits	Q4 2016vs Q4 2015	$4.3MM$3.1MM
Equity Capital	Q4 2016vs Q4 2015	$572.00K$560.00K
Loan Loss Allowance	Q4 2016vs Q4 2015	$38.00K$30.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$144.00K$82.00K
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Homestead Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	-	-	Holiday Club Account
0.10%^*	$2k^*	-	Basic Share Savings Account
OTHER TIERS: 0.05% → $25 - $2k

Locations

Homestead Federal Credit Union Locations
Branch Office	302 N 11th ST	BILLINGS, MT 59101