I Trust Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.65%	1-year CD	1.29% - National Average
0.45%	Savings	2.10% - American Express National Bank High Yield Savings Account
0.85%	3-year CD	1.82% - National Average

View all I Trust Federal Credit Union rates »

Overview / Commentary

www.itrustfcu.com

901-547-0209

3617 Winchester Rd
Memphis, TN 38118

I Trust Federal Credit Union is headquartered in Memphis and is the 88^th largest credit union in the state of Tennessee. It is also the 3,272^nd largest credit union in the nation. It was established in 1971 and as of September of 2018, it had grown to 10 employees and 3,092 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.
See current membership details

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Health

B+

Data as of Q3 2018

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. I Trust Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	20722
Year Chartered	1971
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	4%
Annual Interest Income	$734.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$21.6MM$20.0MM
Loans	Q3 2018vs Q3 2017	$7.9MM$8.1MM
Deposits	Q3 2018vs Q3 2017	$18.9MM$17.6MM
Equity Capital	Q3 2018vs Q3 2017	$2.3MM$2.2MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$149.00K$126.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$33.00K$88.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Savings
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	30 Month IRA Certificate
0.65%	$1k	-	12 Month IRA Certificate
0.45%	$2.5k	-	6 Month IRA Certificate

Locations

I Trust Federal Credit Union Locations
Branch Office	3617 Winchester Rd	Memphis, TN 38118
Branch Office	5333 Getwell RD	Memphis, TN 38118

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