Eastern Kentucky Federal Credit Union

Overview / Commentary
550 N Lake Dr
Prestonsburg, KY 41653

Eastern Kentucky Federal Credit Union is headquartered in Prestonsburg and is the 55th largest credit union in the state of Kentucky. It is also the 4,501st largest credit union in the nation. It was established in 1969 and as of June of 2019, it had grown to 3 employees and 629 members at 1 location. Eastern Kentucky Federal Credit Union's CD rates are 44% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to all employees, retirees, and their immediate family members of Kentucky West Virginia Gas Company and Select Employee Groups.
See current membership details


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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. Eastern Kentucky Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #19280
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD1.49%
Return on Equity - YTD11.59%
Annual Interest Income$142.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$5.5MM$4.8MM
LoansQ2 2019vs Q2 2018$4.0MM$3.7MM
DepositsQ2 2019vs Q2 2018$4.8MM$4.0MM
Equity CapitalQ2 2019vs Q2 2018$673.00K$821.00K
Loan Loss AllowanceQ2 2019vs Q2 2018$75.00K$43.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$215.00K$169.00K
Real Estate OwnedQ2 2019vs Q2 2018$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.

Eastern Kentucky Federal Credit Union CD Rates

2.50%$500-18 Month CD Special
2.30%*$175k*$250k60 Month CD
OTHER TIERS: 1.50% $5k - $30k | 1.60% $30k - $50k | 1.75% $50k - $90k | 2.00% $90k - $125k | 2.15% $125k - $175k
1.95%*$175k*$250k48 Month CD
OTHER TIERS: 1.25% $5k - $30k | 1.35% $30k - $50k | 1.50% $50k - $90k | 1.75% $90k - $125k | 1.80% $125k - $175k
1.80%*$175k*$250k24 Month CD
OTHER TIERS: 1.00% $5k - $30k | 1.10% $30k - $50k | 1.25% $50k - $90k | 1.50% $90k - $125k | 1.65% $125k - $175k
1.55%*$175k*$250k18 Month CD
OTHER TIERS: 0.75% $5k - $30k | 0.85% $30k - $50k | 1.00% $50k - $90k | 1.25% $90k - $125k | 1.40% $125k - $175k
1.30%*$175k*$250k12 Month CD
OTHER TIERS: 0.50% $5k - $30k | 0.60% $30k - $50k | 0.75% $50k - $90k | 1.00% $90k - $125k | 1.15% $125k - $175k

Eastern Kentucky Federal Credit Union Locations
Branch Office550 N Lake DrPrestonsburg, KY 41653

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