Woodruff Federal Savings and Loan Association

Overview / Commentary
247 North Main Street
Woodruff, SC 29388

Woodruff Federal Savings and Loan Association is headquartered in Woodruff and is the 39th largest bank in the state of South Carolina. It is also the 4,135th largest bank in the nation. It was established in 1934 and as of September of 2019, it had grown to 11 employees at 1 location. Woodruff Federal Savings and Loan Association's CD rates are 57% higher than the national average, and it has an A health rating.

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Woodruff Federal S&LA Offers 3.03% APY On 36-Month CD - 6/26/2019

Woodruff Federal Savings & Loan Association (Upstate SC) has is currently offer 3.03% APY on its 36-month CD. Minimum opening deposit is $1k, with no stated balance cap.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Woodruff Federal Savings and Loan Association has a relatively low asset base.

Health Grade Components

FDIC Certificate #29238
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD2.19%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$94.7MM$88.6MM
LoansQ3 2019vs Q3 2018$57.3MM$57.2MM
DepositsQ3 2019vs Q3 2018$60.7MM$55.1MM
Equity CapitalQ3 2019vs Q3 2018$32.2MM$31.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$689.00K$689.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.0MM$1.4MM
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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Woodruff Federal Savings and Loan Association CD Rates

2.83%$1k-48 Month CD
2.32%$1k-36 Month CD
1.81%$1k-24 Month CD
1.61%$1k-18 Month CD
1.41%$1k-12 Month CD
1.21%$2.5k-182 Day CD

Woodruff Federal Savings and Loan Association IRA Rates

1.61%$1k-18 Month IRA

Woodruff Federal Savings and Loan Association Locations
Woodruff Federal Savings and Loan Association247 North Main StreetWoodruff, SC 29388

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