Rural Cooperatives Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	5-year CD	5 Year CD 2.35% - Synchrony Bank 60 Month CD
0.45%	1-year CD	1 Year CD 1.50% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Genesis Savings 1.15% - CIT Bank Spring Savings

View all Rural Cooperatives Credit Union rates »

Overview / Commentary

rccu.com

502-451-2430

4515 Bishop Ln
Louisville, KY 40218

Rural Cooperatives Credit Union is headquartered in Louisville and is the 28^th largest credit union in the state of Kentucky. It is also the 2,617^th largest credit union in the nation. It was established in 1964 and as of March of 2017, it had grown to 13 employees and 4,829 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

Data as of Q1 2017

Learn why bank health matters

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 Chartered	1964
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.24%
Return on Equity - YTD	-1.88%
Annual Interest Income	$332.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$39.2MM$39.4MM
Loans	Q1 2017vs Q1 2016	$19.0MM$19.4MM
Deposits	Q1 2017vs Q1 2016	$34.1MM$34.2MM
Equity Capital	Q1 2017vs Q1 2016	$4.9MM$4.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$23.00K$51.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$244.00K$55.00K
Real Estate Owned	Q1 2017vs Q1 2016	$10.00K$10.00K

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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$10k^*	-	Money Market Account
OTHER TIERS: 0.05% → $2,500 - $10k

Rural Cooperatives Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	13246 State Route 176	Drakesboro, KY 42337
Branch Office	4515 Bishop Ln	Louisville, KY 40218