Access Credit Union

1807 W Cermak Rd
Broadview, IL 60155
708-343-0228
www.access-cu.com

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Access Credit Union is headquartered in Broadview and is the 62^nd largest credit union in the state of Illinois. It is also the 1,962^nd largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 22 employees and 8,014 members. Access Credit Union has a 4-star health rating.

Competitive Mid-Term CD & IRA Rates at Access Credit Union in Chicago - Local Only - 5/24/2010

Access Credit Union is offering several competitive share and IRA certificates. The most competitive are its mid-term CDs. These include a 2.15% APY 24-month CD, a 1.75% APY 18-month CD and a 1.55% A ...

2.55% 18-Month CD and Other High CD Rates at Access Credit Union in IL - Local Only - 7/22/2009

Access Credit Union is offering several competitive share and IRA CDs. The most competitive are its short- and mid-term CDs. These include a 2.15% APY 6-month CD, a 2.41% APY 12-month CD, a 2.55% APY 18-month CD and a 2.65% APY 24-month CD. Minimum...

4.71% 30-Month / 4.51% 12-Month CD at an Illinois CU (Access). - 2/17/2008

Update 3/1/08: The CD rates have fallen. Please check the institution's website for the latest rates.Access Credit Union is listing very competitive yields on its share and IRA certificates. These include a 4.26% APY 6-month CD, 4.51% APY 12-month CD...

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See Rates for: Savings | Money Market | CD | IRA

Access Credit Union Savings Account Rates

Apy	Min	Max	Product
0.05%	-	-	Holiday Savings
0.02%	$100	-	Regular Savings
0.02%	$100	-	Secondary Savings
0.02%	$100	-	IRA Savings
0.02%	$100	-	Roth IRA Savings

Access Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$50k	-	Money Market Account

Access Credit Union CD Rates

Apy	Min	Max	Product
1.45%	$10k	-	60 Month CD
1.20%	$10k	-	48 Month CD
1.00%	$10k	-	36 Month CD
0.70%	$10k	-	30 Month CD
0.60%	$10k	-	24 Month CD
0.45%	$10k	-	18 Month CD
0.40%	$10k	-	12 Month CD
0.30%	$10k	-	6 Month CD

Access Credit Union IRA Rates

Apy	Min	Max	Product
1.45%	$10k	-	60 Month Roth IRA
1.45%	$10k	-	60 Month IRA
1.20%	$10k	-	48 Month Roth IRA
1.20%	$10k	-	48 Month IRA
1.00%	$10k	-	36 Month Roth IRA
1.00%	$10k	-	36 Month IRA
0.70%	$10k	-	30 Month Roth IRA
0.70%	$10k	-	30 Month IRA
0.60%	$10k	-	24 Month Roth IRA
0.60%	$10k	-	24 Month IRA
0.45%	$10k	-	18 Month Roth IRA
0.45%	$10k	-	18 Month IRA
0.40%	$10k	-	12 Month Roth IRA
0.40%	$10k	-	12 Month IRA
0.30%	$10k	-	6 Month Roth IRA
0.30%	$10k	-	6 Month IRA

Rates updated: 5/16/2012

Data for Q4 2011

Institution Statistics

ACCESS
NCUA #	68368
BankRate Report	View
Year Chartered	1939
Employees	22
Primary Regulator
Assets and Liabilities
Assets	$62.01 million
Loans	$28.65 million
Deposits	$55.12 million
Equity Capital	$6.70 million
Loan Loss Allowance	$867,000
Unbacked Noncurrent Loans	$1.25 million
Historic Data - December 2010
Assets	$57.87 million
Equity Capital	$6.52 million
Loan Loss Allowance	$418,000
Unbacked Noncurrent Loans	$785,000
Profit Margin - Quarterly
Net Interest Margin	6.53%
Return on Assets	-0.95%
Return on Equity	-8.79%
Interest Income	$2.59 million
Non-Interest Income	$595,000

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Access Credit Union had $1.25 million in non-current loans and owned real-estate with $7.56 million in equity and loan loss allowances on hand to cover it. This gives Access Credit Union a Texas Ratio of 16.55% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Access Credit Union increased slightly from 11.32% as of December 31, 2010 to 16.55% as of December 31, 2011, resulting in a negative change of 46.21%. This indicates that the balance sheet and financial strength for Access Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Access Credit Union has increased its total deposits by $3.97 million, resulting in 7.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Access Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Access Credit Union has $62.01 million in assets with $7.56 million in equity, resulting in a capitalization level of 12.20%, which is excellent.