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Independence Federal Credit Union

Popular Accounts at this Credit Union

0.30%1-year CD12 Month Share Certificate
0.05%SavingsRegular Shares Account
0.50%2-year CD24 Month Share Certificate

Overview / Commentary
301 W Lexington Ave Ste 210
Independence, MO 64050

Independence Federal Credit Union is headquartered in INDEPENDENCE and is the 101st largest credit union in the state of Missouri. It is also the 5,154th largest credit union in the nation. It was established in 1963 and as of March of 2017, it had grown to 2 employees and 529 members at 1 location. Independence Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership in Independence Federal Credit Union is open to civilian employees and military personnel who work at or are attached to the Lake City Ammunition plant, members of the Veterans of Foreign Wars, members of Sugar Creek Memorial VFW Post #3976, Veterans of Foreign Wars, Fraas-Fain Post 1000, military personnel of the U.S. government stationed at recruiting offices in Independence, Missouri, employees of the Philatelic Center, Fraas-Fain Post 1000, employees of Truman Library.
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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. Independence Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #15509
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD10.94%
Annual Interest Income$36.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$3.0MM$2.7MM
LoansQ1 2017vs Q1 2016$2.0MM$1.9MM
DepositsQ1 2017vs Q1 2016$2.8MM$2.4MM
Equity CapitalQ1 2017vs Q1 2016$256.00K$220.00K
Loan Loss AllowanceQ1 2017vs Q1 2016$10.00K$10.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$102.00K$45.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
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Independence Federal Credit Union Savings Account Rates

0.15%--IRA Shares Account
0.15%--Roth IRA Shares Account
0.15%--Educational IRA Shares Account
0.05%--Regular Shares Account
0.05%--Christmas Club Account

Independence Federal Credit Union CD Rates

0.50%$10k-24 Month Share Certificate
0.40%$10k-18 Month Share Certificate
0.30%--12 Month Share Certificate
0.20%--6 Month Share Certificate

Independence Federal Credit Union IRA Rates

0.50%$10k-24 Month IRA Certificate
0.40%$10k-18 Month IRA Certificate
0.30%--12 Month IRA Certificate
0.20%--6 Month IRA Certificate

Independence Federal Credit Union Locations
Branch Office301 W LEXINGTON AVE STE 210INDEPENDENCE, MO 64050-3724