Overview / Commentary
3617 Winchester Rd
Memphis, TN 38118

I Trust Federal Credit Union is headquartered in Memphis and is the 88th largest credit union in the state of Tennessee. It is also the 3,286th largest credit union in the nation. It was established in 1971 and as of June of 2018, it had grown to 10 employees and 3,115 members at 2 locations. I Trust Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of the Internal Revenue Service in Memphis, Tennessee, CW. Austin, Inc, Memphis Goodwill Industries, Inc., and Johnson Controls, Inc. who work regularly under contract with the I.R.S. Service Center in Memphis.
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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. I Trust Federal Credit Union has a low asset base.

Health Grade Components

NCUA #20722
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.52%
Annual Interest Income$484.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$21.8MM$20.5MM
LoansQ2 2018vs Q2 2017$7.8MM$7.8MM
DepositsQ2 2018vs Q2 2017$19.4MM$18.0MM
Equity CapitalQ2 2018vs Q2 2017$2.3MM$2.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$132.00K$112.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$43.00K$85.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

I Trust Federal Credit Union Savings Account Rates

0.45%*$15k*-Regular Share Savings Account
OTHER TIERS: 0.05% $101 - $5k | 0.25% $5k - $15k
0.45%*$15k*-Christmas Club Savings Account
OTHER TIERS: 0.05% $101 - $5k | 0.25% $5k - $15k

I Trust Federal Credit Union CD Rates

0.85%$1k-30 Month Share Certificate
0.65%$1k-12 Month Share Certificate
0.45%$2.5k-6 Month Share Certificate

I Trust Federal Credit Union IRA Rates

0.85%$1k-30 Month IRA Certificate
0.65%$1k-12 Month IRA Certificate
0.45%$2.5k-6 Month IRA Certificate

I Trust Federal Credit Union Locations
Branch Office3617 Winchester RdMemphis, TN 38118
Branch Office5333 Getwell RDMemphis, TN 38118

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