Ots Employees Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.65%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.25%	Savings	Share Account 1.20% - Goldman Sachs Bank USA Online Savings

View all Ots Employees Federal Credit Union rates »

Overview / Commentary

otsefcu.org

808-848-4408

811 Middle Street
Honolulu, HI 96819

Ots Employees Federal Credit Union is headquartered in Honolulu and is the 54^th largest credit union in the state of Hawaii. It is also the 3,931^st largest credit union in the nation. It was established in 1937 and as of March of 2017, it had grown to 4 employees and 2,167 members at 1 location. Ots Employees Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of Oahu Transit Services.
See current membership details

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Health

C

Data as of Q1 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. Ots Employees Federal Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

Overall
NCUA #	1868
Year Chartered	1937
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-3.89%
Return on Equity - YTD	-26.11%
Annual Interest Income	$225.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$13.1MM$13.8MM
Loans	Q1 2017vs Q1 2016	$9.9MM$11.1MM
Deposits	Q1 2017vs Q1 2016	$11.0MM$11.5MM
Equity Capital	Q1 2017vs Q1 2016	$1.9MM$1.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$725.00K$617.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$852.00K$731.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ots Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$500	-	IRA Share
0.25%^*	$10k^*	-	Share Account
OTHER TIERS: 0.10% → $50 - $1k \| 0.15% → $1k - $5k \| 0.20% → $5k - $10k
0.25%	-	-	Christmas Share

Ots Employees Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Share Drafts (Checking) Account

Ots Employees Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$500	-	60 Month CD
1.15%	$500	-	36 Month CD
0.90%	$500	-	24 Month CD
0.65%	$500	-	12 Month CD
0.40%	$500	-	6 Month CD

Ots Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%	$500	-	60 Month IRA
1.00%	$500	-	36 Month IRA

Locations

Ots Employees Federal Credit Union Locations
Branch Office	811 Middle St	Honolulu, HI 96819