Mosaic Federal Credit Union

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High Yield 12-Month CD

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

1.35% APY

Online Savings Account

No Minimum Balance.
No Monthly Maintenance Fee.
FDIC Insured.

1.05% 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 90^th largest credit union in the state of Virginia. It is also the 3,850^th largest credit union in the nation. It was established in 1986 and as of December of 2016, it had grown to 8 employees and 4,263 members at 1 location. Mosaic Federal Credit Union 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 Q4 2016

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	0.21%
Return on Equity - YTD	2.87%
Annual Interest Income	$879.00K

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$13.9MM$12.9MM
Loans	Q4 2016vs Q4 2015	$11.4MM$10.9MM
Deposits	Q4 2016vs Q4 2015	$12.8MM$11.9MM
Equity Capital	Q4 2016vs Q4 2015	$1.0MM$983.00K
Loan Loss Allowance	Q4 2016vs Q4 2015	$109.00K$86.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$256.00K$334.00K
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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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
0.85%	$1k	-	1 Year CD
0.50%	$1k	-	6 Month CD

Locations

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