Featured Savings Rates
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Watsonville Hospital Federal Credit Union

Popular Accounts at this Credit Union

0.25%1-year CD12 Month Share Certificate
0.05%SavingsRegular Share Account
0.40%2-year CD24 Month Share Certificate

Overview / Commentary
75 Neilson St
Watsonville, CA 95076-2468

Watsonville Hospital Federal Credit Union is headquartered in Watsonville and is the 265th largest credit union in the state of California. It is also the 3,779th largest credit union in the nation. It was established in 1962 and as of March of 2018, it had grown to 6 employees and 1,417 members at 1 location. Watsonville Hospital Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees and volunteers of Watsonville Community Hospital and to employees of Fox Racing Shox, Community Bridges, Hospice of Santa Cruz, Salud Para La Gente, Physicians Medical Group of Santa Cruz County, and Westek Electronics.
See current membership details


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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. Watsonville Hospital Federal Credit Union has a low asset base.

Health Grade Components

NCUA #14832
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD-0.75%
Return on Equity - YTD-7.96%
Annual Interest Income$113.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$14.0MM$12.0MM
LoansQ1 2018vs Q1 2017$5.7MM$4.8MM
DepositsQ1 2018vs Q1 2017$12.7MM$10.4MM
Equity CapitalQ1 2018vs Q1 2017$1.3MM$1.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$24.00K$29.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$40.00K$20.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Watsonville Hospital Federal Credit Union Savings Account Rates

0.80%*$10k*-IRA Account
OTHER TIERS: 0.10% $25 - $1k | 0.75% $1k - $10k
0.08%$25-Scoottie Saver Account
0.05%*$5k*-Regular Share Account
OTHER TIERS: 0.04% $25 - $5k
0.04%$25-Christmas Club Account

Watsonville Hospital Federal Credit Union CD Rates

0.40%*$10k*-24 Month Share Certificate
OTHER TIERS: 0.30% $2k - $10k
0.30%*$10k*-18 Month Share Certificate
OTHER TIERS: 0.25% $2k - $10k
0.25%*$10k*-12 Month Share Certificate
OTHER TIERS: 0.20% $2k - $10k
0.20%*$10k*-6 Month Share Certificate
OTHER TIERS: 0.15% $2k - $10k

Watsonville Hospital Federal Credit Union Locations
Branch Office75 Neilson StWatsonville, CA 95076-2468

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