Seaboard Federal Credit Union

Overview / Commentary

www.seaboardfcu.com

207-469-6341

177 Main St
Bucksport, ME 04416

Seaboard Federal Credit Union is headquartered in Bucksport and is the 25^th largest credit union in the state of Maine. It is also the 1,422^nd largest credit union in the nation. It was established in 1940 and as of March of 2019, it had grown to 36 employees and 11,763 members at 3 locations. Seaboard Federal Credit Union's CD rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Seaboard Federal Credit Union membership is open anyone who: resides, works, attends school, or worships in Penobscot, Waldo, Washington, or Hancock counties. Membership also extends to immediate family of current credit union members.
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Health

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	4118
Year Chartered	1940
Employees	36
Primary Regulator

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	10.07%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$126.2MM$125.0MM
Loans	Q1 2019vs Q1 2018	$91.1MM$91.0MM
Deposits	Q1 2019vs Q1 2018	$112.7MM$112.1MM
Equity Capital	Q1 2019vs Q1 2018	$12.3MM$11.6MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$514.00K$383.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$645.00K$1.2MM
Real Estate Owned	Q1 2019vs Q1 2018	$0$7.00K

Rates

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Savings
Money Market
CD
IRA

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Seaboard Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	Health Savings Account
0.80%	$5	-	IRA Account
0.10%	$5	-	Savings Account
0.10%	-	-	Christmas Club Account

Seaboard Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%	$2.5k	-	Money Market Account

Seaboard Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.94%	$100k	-	60 Month Premium CD
2.84%	$500	-	60 Month CD
2.84%	$500	-	Business 60 Month Certificates
2.84%	$500	-	60 Month HSA Certificate
2.78%	$100k	-	48 Month Premium CD
2.68%	$500	-	48 Month CD
2.68%	$500	-	Business 48 Month Certificates
2.68%	$500	-	48 Month HSA Certificate
2.63%	$100k	-	36 Month Premium CD
2.53%	$500	-	36 Month CD
2.53%	$100k	-	24 Month Premium CD
2.53%	$500	-	Business 36 Month Certificates
2.53%	$500	-	36 Month HSA Certificate
2.43%	$500	-	24 Month CD
2.43%	$500	-	Business 24 Month Certificates
2.43%	$500	-	24 Month HSA Certificate
2.38%	$100k	-	18 Month Premium CD
2.27%	$500	-	18 Month CD
2.27%	$500	-	Business 18 Month Certificates
2.27%	$500	-	18 Month HSA Certificate
2.12%	$100k	-	12 Month Premium CD
2.02%	$500	-	12 Month CD
2.02%	$500	-	Business 12 Month Certificates
2.02%	$500	-	12 Month HSA Certificate
1.76%	$100k	-	6 Month Premium CD
1.66%	$500	-	6 Month CD
1.66%	$500	-	Business 6 Month Certificates
1.66%	$500	-	6 Month HSA Certificate
1.11%	$100k	-	3 Month Premium CD
1.00%	$500	-	3 Month CD
1.00%	$500	-	Business 3 Month Certificates
1.00%	$500	-	3 Month HSA Certificate

Seaboard Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.94%	$100k	-	60 Month Premium IRA
2.84%	$500	-	60 Month IRA
2.78%	$100k	-	48 Month Premium IRA
2.68%	$500	-	48 Month IRA
2.63%	$100k	-	36 Month Premium IRA
2.53%	$500	-	36 Month IRA
2.53%	$100k	-	24 Month Premium IRA
2.43%	$500	-	24 Month IRA
2.38%	$100k	-	18 Month Premium IRA
2.27%	$500	-	18 Month IRA
2.12%	$100k	-	12 Month Premium IRA
2.02%	$500	-	12 Month IRA
1.76%	$100k	-	6 Month Premium IRA
1.66%	$500	-	6 Month IRA
1.11%	$100k	-	3 Month Premium IRA
1.00%	$500	-	3 Month IRA

Locations

Seaboard Federal Credit Union Locations
Branch Office	177 Main St	Bucksport, ME 04416
Branch Office	200 Main St	Ellsworth, ME 04605
Branch Office	2410 Route 2	Hermon, ME 04401

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