Your Choice Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.25%	1-year CD	12 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	Regular Shares 1.30% - Nationwide Bank Online Savings Account
0.40%	2-year CD	24 Month CD 2.25% - Synchrony Bank 24 Month CD

View all Your Choice Federal Credit Union rates »

Overview / Commentary

www.yourchoicefcu.com

814-946-1293

109 Keystone St
Altoona, PA 16602

Your Choice Federal Credit Union is headquartered in Altoona and is the 209^th largest credit union in the state of Pennsylvania. It is also the 3,804^th largest credit union in the nation. It was established in 1957 and as of December of 2017, it had grown to 4 employees and 1,651 members at 2 locations. Your Choice Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the City of Altoona, Altoona Housing Authority, Altoona Water and Sewer Authority, Atlantic Broadband, Blair County Planning Commission, and over 25 other local employer groups.
See current membership details

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Health

B

Data as of Q4 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. Your Choice Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	11972
Year Chartered	1957
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.58%
Return on Equity - YTD	-6.47%
Annual Interest Income	$316.00K

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$13.5MM$11.5MM
Loans	Q4 2017vs Q4 2016	$2.9MM$3.1MM
Deposits	Q4 2017vs Q4 2016	$12.2MM$10.1MM
Equity Capital	Q4 2017vs Q4 2016	$1.3MM$1.4MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$86.00K$43.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$103.00K$106.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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CD

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

Your Choice Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Super Savings
OTHER TIERS: 0.15% → $5k - $25k \| 0.25% → $25k - $50k \| 0.35% → $50k - $100k
0.10%	$100	-	Regular Shares
0.05%	-	-	Christmas Share
0.05%	-	-	Vacation Share

Your Choice Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$500	-	24 Month CD
0.30%	$500	-	18 Month CD
0.25%	$500	-	12 Month CD
0.15%	$500	-	6 Month CD

Locations

Your Choice Federal Credit Union Locations
Branch Office	110 John Muir Dr	Amherst, NY 14228-1148
Branch Office	109 Keystone St	Altoona, PA 16602

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