Mosaic Federal Credit Union

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12 Month Online CD

No minimum balance
No account open fees
FDIC Insured

1.50% APY

Online Savings Account

Ally Bank, Member FDIC.
Consistently Competitive Rates.
24/7 Customer Care.

1.20% APY

Overview / Commentary

www.mosaicfcu.org

540-564-6080

31 S Carlton St
Harrisonburg, VA 22801-4324

Mosaic Federal Credit Union is headquartered in Harrisonburg and is the 89^th largest credit union in the state of Virginia. It is also the 3,726^th largest credit union in the nation. It was established in 1986 and as of June of 2017, it had grown to 8 employees and 4,186 members at 1 location. Mosaic Federal Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Harrisonburg, Virginia and to employees of Virginia Poultry Growers Co-op, Pilgrim's Pride Corporation, May Supply, Bowman Apple Products, or Valley Custom Homes.
See current membership details

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Health

C+

Data as of Q2 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. Mosaic Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	24281
Year Chartered	1986
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	9.22%
Annual Interest Income	$451.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$15.4MM$13.9MM
Loans	Q2 2017vs Q2 2016	$12.2MM$10.7MM
Deposits	Q2 2017vs Q2 2016	$14.3MM$12.9MM
Equity Capital	Q2 2017vs Q2 2016	$1.1MM$1.0MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$80.00K$111.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$238.00K$272.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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Savings
CD

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Mosaic Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$25	-	Regular Share Account
0.15%	-	-	Christmas Club Account
0.15%	-	-	Vacation Club Account

Mosaic Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$1k	-	1 Year CD
0.90%	$1k	-	6 Month CD

Locations

Mosaic Federal Credit Union Locations
Branch Office	31 S Carlton St	Harrisonburg, VA 22801-4324