U$X Federal Credit Union

Overview / Commentary

www.usxfcu.org

888-219-3159

1293 Freedom Rd
Cranberry Twp, PA 16066

U$X Federal Credit Union is headquartered in Cranberry Twp and is the 39^th largest credit union in the state of Pennsylvania. It is also the 1,114^th largest credit union in the nation. It was established in 1938 and as of June of 2024, it had grown to 59 employees and 19,834 members at 8 locations. U$X Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to U$X Federal Credit Union is open to individuals (and their immediate family members) who work for or a member of one of the 780 Preferred Partner Groups.
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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	2740
Year Chartered	1938
Employees	59
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.27%
Return on Equity - YTD	-2.75%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$254MM$265.2MM
Loans	Q2 2024vs Q2 2023	$133.2MM$147.7MM
Deposits	Q2 2024vs Q2 2023	$226.9MM$233.6MM
Equity Capital	Q2 2024vs Q2 2023	$24.9MM$21.8MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$791K$1.2MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.1MM$937K
Real Estate Owned	Q2 2024vs Q2 2023	$75K$105K

Rates

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Savings
Money Market
Checking
CD
IRA

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

U$X Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$0	$500	Dollar Dog Youth Savings
OTHER TIERS: 0.05% → $500+
1.00%^*	$0	$500	cha-ching Youth Savings
OTHER TIERS: 0.05% → $500+
1.00%^*	$0	$500	The edge Youth Savings
OTHER TIERS: 0.05% → $500+
0.05%	$0	-	Regular Shares
0.05%	$0	-	IRA Shares
0.05%	$0	-	Holiday Club Account
0.05%	$0	-	Club Savings

U$X Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*	$100k^*	-	IMMA Shares
OTHER TIERS: 0.75% → $0 - $10k \| 0.85% → $10k - $25k \| 1.10% → $25k - $50k \| 1.20% → $50k - $100k

U$X Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Members Plus Checking

U$X Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$500	-	6 Month Share Certificate
2.70%^*	$25k^*	-	60 Month Share Certificate
OTHER TIERS: 2.55% → $500 - $10k \| 2.60% → $10k - $25k
2.60%^*	$25k^*	-	36 Month Share Certificate
OTHER TIERS: 2.45% → $500 - $10k \| 2.50% → $10k - $25k
2.60%^*	$25k^*	-	48 Month Share Certificate
OTHER TIERS: 2.45% → $500 - $10k \| 2.50% → $10k - $25k
2.50%^*	$25k^*	-	24 Month Share Certificate
OTHER TIERS: 2.35% → $500 - $10k \| 2.40% → $10k - $25k
2.35%^*	$25k^*	-	12 Month Share Certificate
OTHER TIERS: 2.20% → $500 - $10k \| 2.25% → $10k - $25k

U$X Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.70%^*	$25k^*	-	60 Month IRA Certificate
OTHER TIERS: 2.55% → $500 - $10k \| 2.60% → $10k - $25k
2.60%^*	$25k^*	-	36 Month IRA Certificate
OTHER TIERS: 2.45% → $500 - $10k \| 2.50% → $10k - $25k
2.60%^*	$25k^*	-	48 Month IRA Certificate
OTHER TIERS: 2.45% → $500 - $10k \| 2.50% → $10k - $25k
2.50%^*	$25k^*	-	24 Month IRA Certificate
OTHER TIERS: 2.35% → $500 - $10k \| 2.40% → $10k - $25k
2.35%^*	$25k^*	-	12 Month IRA Certificate
OTHER TIERS: 2.20% → $500 - $10k \| 2.25% → $10k - $25k

Locations

U$X Federal Credit Union Locations
Branch Office	1038 Interstate Ct	Findlay, OH 45840
Branch Office	565 Coal Valley Rd	Jefferson Hills, PA 15025
Branch Office	479 N Pike Rd	Sarver, PA 16055
Branch Office	539 S Main St	Findlay, OH 45840
Branch Office	PO Box 1728	Cranberry Twp, PA 16066-0728
Branch Office	305 North Center Ave	New Stanton, PA 15672
Branch Office	55 S Washington Ave	Greensburg, PA 15601
Branch Office	400 Frankfort Rd	Monaca, PA 15061

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