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Winthrop Area Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.81%5-year CD5 Year Share Certificate
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.50%1-year CD1 Year Share Certificate
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.10%SavingsRegular Shares
1.00% - Ally Bank Online Savings AccountAdvertisement
View all Winthrop Area Federal Credit Union rates »

Overview / Commentary
www.winthropcreditunion.org
207-377-2124
94 Highland Ave
Winthrop, ME 04364

Winthrop Area Federal Credit Union is headquartered in WINTHROP and is the 37th largest credit union in the state of Maine. It is also the 2,046th largest credit union in the nation. It was established in 1937 and as of June of 2016, it had grown to 12 employees and 5,853 members at 1 location. Winthrop Area Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Kennebec County.
See current membership details

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Health
B+

Data as of Q2 2016

Learn more about bank 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. Winthrop Area Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #2301
Year Chartered1937
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD5.34%
Annual Interest Income$986.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$64.0MM$61.0MM
LoansQ2 2016vs Q2 2015$39.0MM$35.5MM
DepositsQ2 2016vs Q2 2015$57.5MM$54.8MM
Equity CapitalQ2 2016vs Q2 2015$6.3MM$6.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$139.00K$136.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$120.00K$136.00K
Real Estate OwnedQ2 2016vs Q2 2015$222.00K$451.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winthrop Area Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Club
0.10%--Regular Shares
0.10%--Holiday Club
0.10%--Vacation Club

Winthrop Area Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-High Yield Checking
OTHER TIERS: 0.20% → $2k - $40k | 0.30% → $40k - $100k

Winthrop Area Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.81%$500-5 Year Share Certificate
1.46%$500-4 Year Share Certificate
1.21%$500-3 Year Share Certificate
0.80%$500-2 Year Share Certificate
0.65%$500-18 Month Share Certificate
0.55%$500-15 Month Share Certificate
0.50%$500-1 Year Share Certificate
0.35%$500-6 Month Share Certificate

Winthrop Area Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.81%$500-5 Year IRA Certificate
1.46%$500-4 Year IRA Certificate
1.21%$500-3 Year IRA Certificate
0.80%$500-2 Year IRA Certificate
0.65%$500-18 Month IRA Certificate
0.55%$500-15 Month IRA Certificate
0.50%$500-1 Year IRA Certificate
0.35%$500-6 Month IRA Certificate
Locations


Winthrop Area Federal Credit Union Locations
Branch Office94 HIGHLAND AVEWINTHROP, ME 04364