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Morehead Community Federal Credit Union

Popular Accounts at this Credit Union

1.86%1-year CD12 Month CD
0.25%SavingsShare (Savings) Account
2.63%4-year CD48 Month CD

Overview / Commentary
503 W Main St
Morehead, KY 40351-1539

Morehead Community Federal Credit Union is headquartered in Morehead and is the 29th largest credit union in the state of Kentucky. It is also the 2,777th largest credit union in the nation. It was established in 1978 and as of March of 2018, it had grown to 11 employees and 3,810 members at 1 location. Morehead Community Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Memberships is open to those who live, work, attend school, or worship in Rowan County.
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. Morehead Community Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23070
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD6.16%
Annual Interest Income$293.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$33.7MM$32.9MM
LoansQ1 2018vs Q1 2017$16.5MM$15.7MM
DepositsQ1 2018vs Q1 2017$29.6MM$29.0MM
Equity CapitalQ1 2018vs Q1 2017$3.8MM$3.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$78.00K$105.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$145.00K$114.00K
Real Estate OwnedQ1 2018vs Q1 2017$20.00K$24.00K
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Morehead Community Federal Credit Union Savings Account Rates

0.25%--Share (Savings) Account
0.25%--IRA Share Account
0.25%--Christmas Club Account
0.25%--Vacation Club Account

Morehead Community Federal Credit Union CD Rates

2.63%$1k-48 Month CD
2.37%$1k-36 Month CD
2.32%$1k-24 Month CD
2.02%$1k-18 Month CD
1.91%$1k-15 Month CD
1.86%$1k-12 Month CD
1.26%$1k-7 Month CD
1.10%$1k-6 Month CD
0.80%$1k-3 Month CD

Morehead Community Federal Credit Union IRA Rates

2.32%$1k-36 Month IRA
2.27%$1k-24 Month IRA
1.76%$1k-12 Month IRA

Morehead Community Federal Credit Union Locations
Branch Office503 W Main StMorehead, KY 40351-1539

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