Featured Savings Rates
Featured Accounts

IRCO Community Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.36%5-year CD60 Month CD
0.40%1-year CD12 Month CD
0.05%SavingsShare Savings Account

Overview / Commentary
800-538-1572
450 Hillcrest Blvd
Phillipsburg, NJ 08865

IRCO Community Federal Credit Union is headquartered in Phillipsburg and is the 36th largest credit union in the state of New Jersey. It is also the 1,880th 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
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 Chartered1966
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD-0.04%
Return on Equity - YTD-0.66%
Annual Interest Income$622.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$76.2MM$76.2MM
LoansQ1 2017vs Q1 2016$38.4MM$37.8MM
DepositsQ1 2017vs Q1 2016$71.4MM$71.3MM
Equity CapitalQ1 2017vs Q1 2016$4.9MM$5.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$269.00K$233.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$375.00K$603.00K
Real Estate OwnedQ1 2017vs Q1 2016$37.00K$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.

IRCO Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500-30 Month IRA
0.40%$500-12 Month IRA
Locations


IRCO Community Federal Credit Union Locations
Branch Office450 Hillcrest BlvdPhillipsburg, NJ 08865