The Health & Education Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.90%	5-year CD	5 Year CD 2.35% - Synchrony Bank 60 Month CD
0.35%	1-year CD	1 Year CD 1.40% - Synchrony Bank 12 Month CD
0.10%	Savings	Saving Account 1.20% - Goldman Sachs Bank USA Online Savings

View all The Health & Education Federal Credit Union rates »

Overview / Commentary

www.thefcu.com

859-231-8262

424 Park Pl
Lexington, KY 40511-1829

The Health & Education Federal Credit Union is headquartered in Lexington and is the 16^th largest credit union in the state of Kentucky. It is also the 1,772^nd largest credit union in the nation. It was established in 1956 and as of March of 2017, it had grown to 17 employees and 16,488 members at 2 locations. The Health & Education Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to all county school systems in the Lexington area, Georgetown College, Asbury Seminary, Asbury University, Central Baptist Hospital, Shriners Hospital and other colleges and health care providers.
See current membership details

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Health

A

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. The Health & Education Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	10800
Year Chartered	1956
Employees	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.52%
Return on Equity - YTD	4.65%
Annual Interest Income	$484.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$85.0MM$81.1MM
Loans	Q1 2017vs Q1 2016	$32.2MM$31.1MM
Deposits	Q1 2017vs Q1 2016	$76.2MM$72.3MM
Equity Capital	Q1 2017vs Q1 2016	$9.2MM$9.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$91.00K$110.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$116.00K$156.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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The Health & Education Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	-	-	IRA Account
0.10%	-	-	Saving Account
0.10%	-	-	Vacation Club Account
0.10%	-	-	Christmas Club Account

The Health & Education Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	4 Year CD
0.90%	$1k	-	5 Year CD
0.65%	$1k	-	3 Year CD
0.50%	$1k	-	2 Year CD
0.35%	$1k	-	1 Year CD

Locations

The Health & Education Federal Credit Union Locations
Branch Office	185 Pasadena Dr Ste 155	Lexington, KY 40503-2975
Branch Office	424 Park Pl	Lexington, KY 40511-1829