Featured Savings Rates
Featured Accounts

Rural Cooperatives Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD5 Year CD
0.45%1-year CD1 Year CD
0.10%SavingsGenesis Savings

Overview / Commentary
502-451-2430
4515 Bishop Ln
Louisville, KY 40218

Rural Cooperatives Credit Union is headquartered in Louisville and is the 27th largest credit union in the state of Kentucky. It is also the 2,611th largest credit union in the nation. It was established in 1964 and as of September of 2016, it had grown to 14 employees and 4,923 members at 2 locations. Rural Cooperatives Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees, members, contractors and patrons of Electric Cooperatives in Kentucky, Ohio and Tennessee. Membership is also open to electric cooperative associations statewide in Kentucky, Tennessee and Ohio, employees of National Information Solutions Cooperative, Western Kentucky Energy, Paradise TVA Steam Plant, Warren County Water District..
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Health
B
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. Rural Cooperatives Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #61693
Year Chartered1964
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD0.98%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$38.7MM$38.7MM
LoansQ3 2016vs Q3 2015$19.8MM$19.6MM
DepositsQ3 2016vs Q3 2015$33.6MM$33.6MM
Equity CapitalQ3 2016vs Q3 2015$4.9MM$4.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$40.00K$42.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$255.00K$107.00K
Real Estate OwnedQ3 2016vs Q3 2015$10.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Rural Cooperatives Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%--Individual Retirement Account
0.10%$250-Regular Share (Savings)
0.10%--Captain Cash Savings
0.10%$100-Genesis Savings
0.10%--Holiday Club
0.10%--Vacation Club

Rural Cooperatives Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$10k*-Money Market Account
OTHER TIERS: 0.05% $2,500 - $10k

Rural Cooperatives Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-5 Year CD
1.20%$1k-4 Year CD
0.95%$1k-3 Year CD
0.65%$1k-2 Year CD
0.55%$1k-18 Month CD
0.45%$1k-1 Year CD
0.45%$250-1 Year Youth CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Rural Cooperatives Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-5 Year Traditional IRA
1.20%$1k-4 Year Traditional IRA
0.95%$1k-3 Year Traditional IRA
0.65%$1k-2 Year Traditional IRA
0.45%$1k-1 Year Traditional IRA
Locations


Rural Cooperatives Credit Union Locations
Branch Office13246 State Route 176Drakesboro, KY 42337
Branch Office4515 Bishop LnLouisville, KY 40218