Featured Savings Rates
Featured Accounts

Rural Cooperatives Credit Union

Popular Accounts at this Credit Union

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

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 2,617th 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..
See current membership details


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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 - YTD-0.24%
Return on Equity - YTD-1.88%
Annual Interest Income$332.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$39.2MM$39.4MM
LoansQ1 2017vs Q1 2016$19.0MM$19.4MM
DepositsQ1 2017vs Q1 2016$34.1MM$34.2MM
Equity CapitalQ1 2017vs Q1 2016$4.9MM$4.9MM
Loan Loss AllowanceQ1 2017vs Q1 2016$23.00K$51.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$244.00K$55.00K
Real Estate OwnedQ1 2017vs Q1 2016$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

0.10%$250-Regular Share (Savings)
0.10%--Captain Cash Savings
0.10%$100-Genesis Savings
0.10%--Individual Retirement Account
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