Universal Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.20%	1-year CD	12 Month Share Certificate 1.50% - Ally Bank No Penalty 11-Month CD
0.05%	Savings	Special Savings 1.15% - CIT Bank Spring Savings
0.80%	4-year CD	48 Month Share Certificate 1.50% - Ally Bank Raise Your Rate 4-Year CD

View all Universal Federal Credit Union rates »

Overview / Commentary

www.universalfcu.com

304-697-2919

317 31st ST
Huntington, WV 25702-1417

Universal Federal Credit Union is headquartered in Huntington and is the 11^th largest credit union in the state of West Virginia. It is also the 1,784^th largest credit union in the nation. It was established in 1935 and as of March of 2017, it had grown to 20 employees and 8,420 members at 3 locations. Universal Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school, worship, volunteer, or belong to an association in the counties of Cabell County, Mason County, Wayne County and Lincoln County in West Virginia, and Lawrence County in Ohio.
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. Universal Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	785
Year Chartered	1935
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.59%
Annual Interest Income	$508.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$83.4MM$82.0MM
Loans	Q1 2017vs Q1 2016	$30.5MM$31.8MM
Deposits	Q1 2017vs Q1 2016	$72.4MM$71.0MM
Equity Capital	Q1 2017vs Q1 2016	$10.2MM$10.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$108.00K$116.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$359.00K$525.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Universal Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	IRA Account
0.05%	$100	-	Regular Shares
0.05%	$100	-	Special Savings

Universal Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	48 Month Share Certificate
0.65%	-	-	36 Month Share Certificate
0.40%	-	-	24 Month Share Certificate
0.20%	-	-	12 Month Share Certificate

Universal Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	60 Month IRA Certificate
0.80%	-	-	48 Month IRA Certificate
0.65%	-	-	36 Month IRA Certificate
0.40%	-	-	24 Month IRA Certificate
0.20%	-	-	12 Month IRA Certificate

Locations

Universal Federal Credit Union Locations
Branch Office	317 31st ST	Huntington, WV 25702-1417
Branch Office	117 Mall RD	Barboursville, WV 25504-1824
Branch Office	2828 1st Ave ste 102	Huntington, WV 25702