RTP Federal Credit Union

Overview / Commentary
384 Davis Dr
Morrisville, NC 27560

RTP Federal Credit Union is headquartered in Morrisville and is the 22nd largest credit union in the state of North Carolina. It is also the 1,544th largest credit union in the nation. It was established in 1968 and as of September of 2019, it had grown to 32 employees and 9,887 members at 4 locations. RTP Federal Credit Union 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.
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 - YTD0.69%
Return on Equity - YTD7.17%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$112.0MM$115.3MM
LoansQ3 2019vs Q3 2018$74.1MM$79.1MM
DepositsQ3 2019vs Q3 2018$100.3MM$104.3MM
Equity CapitalQ3 2019vs Q3 2018$10.8MM$9.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$536.00K$607.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$101.00K$310.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not RTP Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.45%$5-Triangle Kids Savings Account
0.45%$5-Triangle Teens Savings Account
0.40%$25-Traditional IRA
0.40%$25-Roth IRA
0.40%$25-Educational IRA
0.40%$5-Christmas Club
0.40%$5-Vacation Club
0.03%$100-Regular Savings
0.03%$25-Business Savings

RTP Federal Credit Union Money Market Rates

0.05%$1k-Money Fund
0.05%$1k-Business Money Fund

RTP Federal Credit Union Checking Account Rates

1.77%--Interest Checking w/ 30+ debit card transactions
0.51%--Interest Checking w/ 12-29 debit card transactions
0.50%$10k-Business Premier Checking
0.05%--Interest Checking w/ 0-11 debit card transactions

RTP Federal Credit Union CD Rates

2.28%$250-60 Month CD
2.12%$250-48 Month CD
2.02%$250-36 Month CD
2.02%$250-Business 36 Month CD
0.20%$250-24 Month CD
0.20%$250-Business 24 Month CD
0.15%$250-18 Month CD
0.15%$250-Business 18 Month CD
0.10%$250-12 Month CD
0.10%$250-Business 12 Month CD
0.05%$250-6 Month CD
0.05%$250-Business 6 Month CD

RTP Federal Credit Union IRA Rates

2.28%$250-60 Month IRA
2.12%$250-48 Month IRA
2.02%$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

RTP Federal Credit Union Locations
Branch Office915 N Harrison AveCary, NC 27513-3904
Branch Office7560 Creedmoor RdRaleigh, NC 27613-1641
Branch Office384 Davis DrMorrisville, NC 27560-6336
Branch Office384 Davis DrMorrisville, NC 27560

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