RTP Federal Credit Union

Overview / Commentary

www.rtpfcu.org

919-941-5700

384 Davis Dr
Morrisville, NC 27560

RTP Federal Credit Union is headquartered in Morrisville and is the 21^st largest credit union in the state of North Carolina. It is also the 1,546^th largest credit union in the nation. It was established in 1968 and as of June of 2024, it had grown to 30 employees and 10,131 members at 4 locations. RTP Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in RTP Federal Credit Union is open to employees and members of over 300 area businesses and association and to members of the Diamond Travel Club.
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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	18550
Year Chartered	1968
Employees	30
Primary Regulator

Profit Margin
Return on Assets - YTD	0.21%
Return on Equity - YTD	3.48%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$140.3MM$145.8MM
Loans	Q2 2024vs Q2 2023	$91.7MM$105.4MM
Deposits	Q2 2024vs Q2 2023	$129.9MM$132MM
Equity Capital	Q2 2024vs Q2 2023	$8.7MM$6.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$1.1MM$1.2MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$311K$373K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

RTP Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	$0	-	Traditional IRA
1.01%	$0	-	Roth IRA
1.01%	$0	-	Educational IRA
0.25%	$5	-	Christmas Club
0.25%	$5	-	Vacation Club
0.25%	$0	-	Triangle Kids Savings Account
0.25%	$0	-	Triangle Teens Savings Account
0.20%	$100	-	Regular Savings
0.20%	$100	-	Business Savings

RTP Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.01%	$1k	-	Money Fund
1.01%	$0	-	Business Money Fund

RTP Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$0	$10k	Interest Checking w/ 30+ debit card transactions
0.50%	$0	$10k	Interest Checking w/ 12-29 debit card transactions
0.20%	$10k	-	Business Premier Checking
0.10%	$0	$10k	Interest Checking w/ 0-11 debit card transactions

RTP Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%	$250	-	12 Month CD
4.65%	$250	-	Business 12 Month CD
4.50%	$250	-	6 Month CD
4.50%	$250	-	Business 6 Month CD
4.34%	$250	-	18 Month CD
4.34%	$250	-	Business 18 Month CD
4.08%	$250	-	36 Month CD
4.08%	$250	-	48 Month CD
4.08%	$250	-	60 Month CD
4.08%	$250	-	Business 36 Month CD
4.03%	$250	-	24 Month CD
4.03%	$250	-	Business 24 Month CD

RTP Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%	$250	-	12 Month IRA
4.50%	$250	-	6 Month IRA
4.34%	$250	-	18 Month IRA
4.08%	$250	-	36 Month IRA
4.08%	$250	-	48 Month IRA
4.08%	$250	-	60 Month IRA
4.03%	$250	-	24 Month IRA

Locations

RTP Federal Credit Union Locations
Branch Office	915 N Harrison Ave	Cary, NC 27513-3904
Branch Office	7560 Creedmoor Rd	Raleigh, NC 27613-1641
Branch Office	384 Davis Dr	Morrisville, NC 27560-6336
Branch Office	384 Davis Dr	Morrisville, NC 27560

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