Eastern Kentucky Federal Credit Union

Overview / Commentary
122 N Lake Dr
Prestonsburg, KY 41653

Eastern Kentucky Federal Credit Union is headquartered in Prestonsburg and is the 56th largest credit union in the state of Kentucky. It is also the 4,604th largest credit union in the nation. It was established in 1969 and as of December of 2018, it had grown to 2 employees and 557 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, and a negative return on assets.

Health Grade Components

NCUA #19280
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD-3.43%
Return on Equity - YTD-26.83%
Annual Interest Income$274.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$5.0MM$4.7MM
LoansQ4 2018vs Q4 2017$3.8MM$3.6MM
DepositsQ4 2018vs Q4 2017$4.3MM$3.9MM
Equity CapitalQ4 2018vs Q4 2017$630.00K$800.00K
Loan Loss AllowanceQ4 2018vs Q4 2017$126.00K$96.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$128.00K$201.00K
Real Estate OwnedQ4 2018vs Q4 2017$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

2.30%*$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 Office122 N Lake DrPrestonsburg, KY 41653

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