Overview / Commentary
502-451-2430
1630 Lyndon Farm Ct Ste 201
Louisville, KY 40223

Rural Cooperatives Credit Union is headquartered in Louisville and is the 28th largest credit union in the state of Kentucky. It is also the 2,657th largest credit union in the nation. It was established in 1964 and as of September of 2018, it had grown to 12 employees and 4,606 members at 2 locations. Rural Cooperatives Credit Union's CD rates are 33% higher than the national average, and it 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
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
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.14%
Annual Interest Income$970.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$36.5MM$38.3MM
LoansQ3 2018vs Q3 2017$16.3MM$18.3MM
DepositsQ3 2018vs Q3 2017$31.3MM$33.3MM
Equity CapitalQ3 2018vs Q3 2017$4.8MM$4.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$48.00K$29.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$78.00K$137.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$250-Regular Share (Savings)
0.15%$5-Captain Cash Savings
0.15%$100-Genesis Savings
0.15%--Individual Retirement Account
0.15%--Holiday Club
0.15%--Vacation Club

Rural Cooperatives Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k

Rural Cooperatives Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$1k-5 Year CD
2.10%$1k-4 Year CD
1.85%$1k-3 Year CD
1.45%$1k-2 Year CD
1.25%$1k-18 Month CD
1.20%$1k-1 Year CD
1.20%$250-1 Year Youth CD
0.80%$1k-6 Month CD
0.50%$1k-3 Month CD

Rural Cooperatives Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%$1k-5 Year Traditional IRA
2.10%$1k-4 Year Traditional IRA
1.85%$1k-3 Year Traditional IRA
1.45%$1k-2 Year Traditional IRA
1.20%$1k-1 Year Traditional IRA
Locations


Rural Cooperatives Credit Union Locations
Branch Office13246 State Route 176Drakesboro, KY 42337
Branch Office1630 Lyndon Farm Ct Ste 201Louisville, KY 40223

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