IRCO Community Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.36%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.40%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.05%	Savings	Share Savings Account 1.20% - Synchrony Bank High Yield Savings

View all IRCO Community Federal Credit Union rates »

Overview / Commentary

www.ircocu.org

800-538-1572

450 Hillcrest Blvd
Phillipsburg, NJ 08865

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 36^th largest credit union in the state of New Jersey. It is also the 1,880^th largest credit union in the nation. It was established in 1966 and as of March of 2017, it had grown to 21 employees and 8,663 members at 1 location. IRCO Community Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer or regularly conduct business in Phillipsburg or Alpha or the Townships of Franklin, Greenwich, Harmony, Lopatcong and Pohatcong, New Jersey.
See current membership details

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Health

B

Data as of Q1 2017

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. IRCO Community Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	17395
Year Chartered	1966
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.04%
Return on Equity - YTD	-0.66%
Annual Interest Income	$622.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$76.2MM$76.2MM
Loans	Q1 2017vs Q1 2016	$38.4MM$37.8MM
Deposits	Q1 2017vs Q1 2016	$71.4MM$71.3MM
Equity Capital	Q1 2017vs Q1 2016	$4.9MM$5.8MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$269.00K$233.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$375.00K$603.00K
Real Estate Owned	Q1 2017vs Q1 2016	$37.00K$0

Rates

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IRA

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

IRCO Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Share Savings Account
0.05%	-	-	Holiday Club Account
0.05%	-	-	IRA Share Savings Account
0.05%	-	-	Vacation Club Account
0.05%	-	-	On-The-Go 50+ Club
0.05%	-	-	Kids Club Account
0.05%	-	-	VIP 24-49 Club

IRCO Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	$500	-	60 Month CD
0.65%	$500	-	36 Month CD
0.60%	$500	-	30 Month CD
0.55%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.40%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.25% → $500 - $10k
0.15%	$500	-	9 Month CD
0.15%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.10% → $500 - $10k
0.10%	$500	-	3 Month CD

IRCO Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$500	-	30 Month IRA
0.40%	$500	-	12 Month IRA

Locations

IRCO Community Federal Credit Union Locations
Branch Office	450 Hillcrest Blvd	Phillipsburg, NJ 08865