Alliance Credit Union

575 Rudder Road
Fenton, MO 63026
636-343-7005
www.alliancecu.com

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Alliance Credit Union is headquartered in Fenton and is the 11^st largest credit union in the state of Missouri. It is also the 901^st largest credit union in the nation. It was established in 1948 and as of September of 2011, it had grown to 48 employees and 16,762 members. Alliance Credit Union's savings rates are 75% higher than the national average, and it has a 4-star health rating.

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

Alliance Credit Union Checking Account Rates

	Apy	Min	Max	Product
	3.04%	-	$500	Premier Checking

Alliance Credit Union Savings Account Rates

Apy	Min	Max	Product
1.06%	$30k	-	IRA Account
1.06%	$30k	-	Roth IRA Account
1.06%	$30k	-	CESA Account
0.31%	$10k	-	Savings Account
0.31%	$10k	-	Holiday Club
0.31%	$10k	-	Vacation Club

Alliance Credit Union Money Market Rates

Apy	Min	Max	Product
0.63%	$100k	-	Daily Investment Fund
0.36%	$100k	-	Daily Cash Fund Checking

Alliance Credit Union CD Rates

Apy	Min	Max	Product
2.85%	$10k	-	240 Month Income Now CD
2.65%	$10k	-	180 Month Income Now CD
2.45%	$10k	-	120 Month Income Now CD
2.25%	$10k	-	84 Month Income Now CD
2.20%	$5k	-	60 Month Income Now CD
2.01%	$1k	-	60 Month CD
2.00%	$5k	-	36 Month Income Now CD
1.61%	$1k	-	48 Month CD
1.41%	$1k	-	37 Month CD
1.36%	$1k	-	36 Month CD
1.01%	$1k	-	24 Month CD
0.76%	$1k	-	18 Month CD
0.71%	$1k	-	12 Month CD
0.71%	$1k	-	Youth 12 Month CD
0.71%	$1k	-	15 Month CD
0.56%	$1k	-	9 Month CD
0.56%	$1k	-	8 Month Super Saver CD
0.51%	$1k	-	6 Month CD
0.51%	$1k	-	7 Month CD
0.26%	$1k	-	3 Month CD

Alliance Credit Union IRA Rates

Apy	Min	Max	Product
2.85%	$10k	-	240 Month Income Now IRA
2.85%	$10k	-	240 Month Income Now Roth IRA
2.85%	$10k	-	240 Month Income Now CESA
2.65%	$10k	-	180 Month Income Now IRA
2.65%	$10k	-	180 Month Income Now Roth IRA
2.65%	$10k	-	180 Month Income Now CESA
2.45%	$10k	-	120 Month Income Now IRA
2.45%	$10k	-	120 Month Income Now Roth IRA
2.45%	$10k	-	120 Month Income Now CESA
2.25%	$10k	-	84 Month Income Now IRA
2.25%	$10k	-	84 Month Income Now Roth IRA
2.25%	$10k	-	84 Month Income Now CESA
2.20%	$5k	-	60 Month Income Now IRA
2.20%	$5k	-	60 Month Income Now Roth IRA
2.20%	$5k	-	60 Month Income Now CESA
2.01%	$1k	-	60 Month IRA
2.01%	$1k	-	60 Month Roth IRA
2.01%	$1k	-	60 Month CESA
2.00%	$5k	-	36 Month Income Now Roth IRA
2.00%	$5k	-	36 Month Income Now IRA
2.00%	$5k	-	36 Month Income Now CESA
1.61%	$1k	-	48 Month IRA
1.61%	$1k	-	48 Month Roth IRA
1.61%	$1k	-	48 Month CESA
1.41%	$1k	-	37 Month IRA
1.41%	$1k	-	37 Month Roth IRA
1.41%	$1k	-	37 Month CESA
1.36%	$1k	-	36 Month IRA
1.36%	$1k	-	36 Month Roth IRA
1.36%	$1k	-	36 Month CESA
1.01%	$1k	-	24 Month IRA
1.01%	$1k	-	24 Month Roth IRA
1.01%	$1k	-	24 Month CESA
0.76%	$1k	-	18 Month IRA
0.76%	$1k	-	18 Month Roth IRA
0.76%	$1k	-	18 Month CESA
0.71%	$1k	-	12 Month IRA
0.71%	$1k	-	12 Month Youth IRA
0.71%	$1k	-	15 Month IRA
0.71%	$1k	-	12 Month Roth IRA
0.71%	$1k	-	12 Month Youth Roth IRA
0.71%	$1k	-	15 Month Roth IRA
0.71%	$1k	-	12 Month CESA
0.71%	$1k	-	12 Month Youth CESA
0.71%	$1k	-	15 Month CESA
0.56%	$1k	-	8 Month Super Saver IRA
0.56%	$1k	-	9 Month IRA
0.56%	$1k	-	8 Month Super Saver Roth IRA
0.56%	$1k	-	9 Month Roth IRA
0.56%	$1k	-	8 Month Super Saver CESA
0.56%	$1k	-	9 Month CESA
0.51%	$1k	-	6 Month IRA
0.51%	$1k	-	7 Month IRA
0.51%	$1k	-	6 Month Roth IRA
0.51%	$1k	-	7 Month Roth IRA
0.51%	$1k	-	6 Month CESA
0.51%	$1k	-	7 Month CESA
0.26%	$1k	-	3 Month IRA
0.26%	$1k	-	3 Month Roth IRA
0.26%	$1k	-	3 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

ALLIANCE
NCUA #	63789
BankRate Report	View
Year Established	1948
Employees	48
Primary Regulator
Assets and Liabilities
Assets	$185.99 million
Loans	$145.54 million
Deposits	$153.30 million
Equity Capital	$15.09 million
Loan Loss Allowance	$738,000
Unbacked Noncurrent Loans	$678,000
Real Estate Owned	$1.06 million
Historic Data - September 2010
Assets	$175.04 million
Equity Capital	$14.50 million
Loan Loss Allowance	$602,000
Unbacked Noncurrent Loans	$348,000
Real Estate Owned	$1.04 million
Profit Margin - Quarterly
Net Interest Margin	3.7%
Return on Assets	0.27%
Return on Equity	3.35%
Interest Income	$5.56 million
Non-Interest Income	$1.44 million

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 September 30, 2011 Alliance Credit Union had $1.74 million in non-current loans and owned real-estate with $15.82 million in equity and loan loss allowances on hand to cover it. This gives Alliance Credit Union a Texas Ratio of 10.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Alliance Credit Union held steady from 9.17% as of September 30, 2010 to 10.97% as of September 30, 2011, resulting in a negative change of 19.62%. This indicates that the balance sheet and financial strength for Alliance Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Alliance Credit Union has increased its total deposits by $3.73 million, resulting in 2.49% 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 Alliance Credit Union has shown is above average.
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. Alliance Credit Union has $185.98 million in assets with $15.82 million in equity, resulting in a capitalization level of 8.51%, which is average.

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