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Overview / Commentary
4515 Bishop Ln
Louisville, KY 40218

Rural Cooperatives Credit Union is headquartered in Louisville and is the 28th largest credit union in the state of Kentucky. It is also the 2,622nd largest credit union in the nation. It was established in 1964 and as of December of 2016, it had grown to 14 employees and 4,839 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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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

NCUA #61693
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD0.98%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$38.0MM$38.4MM
LoansQ4 2016vs Q4 2015$19.6MM$19.5MM
DepositsQ4 2016vs Q4 2015$32.8MM$33.3MM
Equity CapitalQ4 2016vs Q4 2015$4.9MM$4.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$30.00K$45.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$308.00K$103.00K
Real Estate OwnedQ4 2016vs Q4 2015$10.00K$10.00K
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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

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

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

Rural Cooperatives Credit Union CD Rates

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

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

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