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Overview / Commentary
4220 Apex Hwy Suite 220
Durham, NC 27713

R T P Federal Credit Union is headquartered in Durham and is the 22nd largest credit union in the state of North Carolina. It is also the 1,471st largest credit union in the nation. It was established in 1968 and as of December of 2017, it had grown to 34 employees and 10,242 members at 4 locations. R T P Federal Credit Union has an A health rating.

Field of Membership Restrictions

Must be associated with one of the several businesses and associations in the RTP or greater Triangle area. Also open to members of the Diamond Travel Club.
See current membership details

Reviews (1)

RTP Federal Credit Union

I have banked at RTP Credit Union for ten years. I enjoy the people who work in the Credit Union. They are very friendly, knowledgeable, and willing to help you in any situation. They will call you if they notice something strange happening in your account, which I greatly appreciate. They have a wonderful website for online banking that I use almost every day. It is very easy to transfer funds, check your balance, check to see if an item has been deposited or credited. It helps me keep up with my monthly expenses. I could also put their app on my mobile phone, but choose not to.

They also offer a broad range of products from home or car loans, personal loans, credit cards, etc. If you bank there you automatically receive $1,000 Accidental Death & Dismemberment policy, which you can increase for an additional fee. Their fees are in line with other banks in our area.

They only have two locations and they are not very convenient for me since I moved two years ago, but I haven't changed banks because I've been with them so long.


Health Grade Components

NCUA #18550
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.62%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$114.4MM$109.1MM
LoansQ4 2017vs Q4 2016$78.1MM$69.1MM
DepositsQ4 2017vs Q4 2016$103.4MM$98.3MM
Equity CapitalQ4 2017vs Q4 2016$9.8MM$9.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$468.00K$258.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$386.00K$561.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

R T P Federal Credit Union Savings Account Rates

0.45%--Triangle Kids Savings Account
0.45%--Triangle Teen Savings Account
0.40%$25-Traditional IRA
0.40%$25-Roth IRA
0.40%$25-Educational IRA
0.40%--Christmas Club
0.40%--Vacation Club
0.03%$100-Regular Savings

R T P Federal Credit Union Money Market Rates

0.05%$1k-Money Fund

R T P Federal Credit Union Checking Account Rates

1.75%--Interest Checking w/30+ debit card trans
0.51%--Interest Checking w/12-29 debit card trans
0.50%$10k-Business Premier Checking
0.05%--Interest Checking w/0-11 debit card trans

R T P Federal Credit Union CD Rates

1.11%$250-60 Month CD
0.90%$250-48 Month CD
0.80%$250-36 Month CD
0.20%$250-24 Month CD
0.15%$250-18 Month CD
0.10%$250-12 Month CD
0.05%$250-6 Month CD

R T P Federal Credit Union IRA Rates

1.11%$250-60 Month IRA
0.90%$250-48 Month IRA
0.80%$250-36 Month IRA
0.20%$250-24 Month IRA
0.15%$250-18 Month IRA
0.10%$250-12 Month IRA
0.05%$250-6 Month IRA

R T P Federal Credit Union Locations
Branch Office915 N Harrison AveCary, NC 27513-3904
Branch Office7560 Creedmoor RdRaleigh, NC 27613-1641
Branch Office4220 Apex Hwy Suite 220Durham, NC 27713
Branch Office21 Park DrRTP, NC 27709