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Overview / Commentary
662-890-8760
3870 Goodman Rd
Southaven, MS 38672

Securtrust is headquartered in Southaven and is the 25th largest credit union in the state of Mississippi. It is also the 3,366th largest credit union in the nation. It was established in 1949 and as of December of 2016, it had grown to 9 employees and 2,542 members at 2 locations. Securtrust has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in DeSoto County, Tate County, or Marshall County in Mississippi.
See current membership details

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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. Securtrust has a low asset base.

Health Grade Components

Overall
NCUA #6370
Year Chartered1949
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD5.19%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$21.1MM$18.5MM
LoansQ4 2016vs Q4 2015$14.6MM$13.7MM
DepositsQ4 2016vs Q4 2015$16.6MM$14.0MM
Equity CapitalQ4 2016vs Q4 2015$4.4MM$4.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$295.00K$296.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$284.00K$272.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Securtrust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%--Roth IRA Share Account
0.60%--CESA Share Account
0.60%--IRA Share Account
0.50%*$10k*-Regular Share Account
OTHER TIERS: 0.25% $50 - $10k
0.25%--Christmas Club Account
0.25%--Vacation Club Account
0.25%--Kids Club

Securtrust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$2k*$10kGold Checking (Age 55+)
OTHER TIERS: 0.05% $10k+
0.25%*$10k*-Share Draft Account
OTHER TIERS: 0.05% $300 - $10k

Securtrust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%*$50k*-36 Month CD
OTHER TIERS: 1.15% $1k - $50k
1.00%*$50k*-18 Month CD
OTHER TIERS: 0.85% $1k - $50k
0.85%*$30k*-12 Month CD
OTHER TIERS: 0.75% $1k - $30k
0.60%$1k-6 Month CD

Securtrust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$50k-12 Month Jumbo IRA Certificate
0.90%*$30k*-12 Month IRA
OTHER TIERS: 0.80% Up to $30k
0.65%--6 Month IRA
Locations


Securtrust Locations
Branch Office4975 Highway 51 NSenatobia, MS 38668
Corporate Office3870 Goodman RdSouthaven, MS 38672