Alliant CU (IA)

1200 Associates Dr, Ste 102
Dubuque, IA 52002
1-800-928-4328
www.alliantcu.com

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Alliant CU (IA) is headquartered in Dubuque and is the 18^st largest credit union in the state of Iowa. It is also the 1,541^st largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 26 employees and 9,330 members. Alliant CU (IA)'s savings rates are 2X the national average, and it has a 3-star health rating.

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

Alliant CU (IA) Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$750	-	Share Draft

Alliant CU (IA) Savings Account Rates

Apy	Min	Max	Product
1.21%	$2,500	-	IRA Shares
1.21%	$2,500	-	Roth IRA Shares
1.21%	$2,500	-	CESA Shares
1.00%	-	-	Vacation Club
0.85%	$10k	-	"e" Savings
0.80%	-	-	Christmas Club
0.60%	$10k	-	Share Savings
0.45%	$25	-	Health Savings Account

Alliant CU (IA) Money Market Rates

	Apy	Min	Max	Product
	0.70%	$100k	-	Money Market

Alliant CU (IA) CD Rates

Apy	Min	Max	Product
1.80%	$1k	-	5 Year CD
1.80%	$300	-	5 Year Young Savers CD
1.80%	$3k	-	5 Year Young Savers Regular CD
1.50%	$1k	-	4 Year CD
1.50%	$300	-	4 Year Young Savers CD
1.50%	$3k	-	4 Year Young Savers Regular CD
1.20%	$1k	-	3 Year CD
1.20%	$300	-	3 Year Young Savers CD
1.20%	$3k	-	3 Year Young Savers Regular CD
1.10%	$5k	-	30 Month CD Special
0.90%	$1k	-	2 Year CD
0.90%	$300	-	2 Year Young Savers CD
0.90%	$3k	-	2 Year Young Savers Regular CD
0.65%	$1k	-	1 Year CD
0.65%	$300	-	1 Year Young Savers CD
0.45%	$1k	-	9 Month CD
0.45%	$300	-	9 Month Young Savers CD
0.35%	$1k	-	6 Month CD
0.35%	$300	-	6 Month Young Savers CD
0.30%	$1k	-	3 Month CD
0.30%	$300	-	3 Month Young Savers CD

Alliant CU (IA) IRA Rates

Apy	Min	Max	Product
1.80%	$1k	-	5 Year IRA
1.80%	$1k	-	5 Year Roth IRA
1.80%	$1k	-	5 Year CESA
1.80%	$300	-	5 Year Young Savers IRA
1.80%	$3k	-	5 Year Young Savers Regular IRA
1.80%	$300	-	5 Year Young Savers Roth IRA
1.80%	$3k	-	5 Year Young Savers Regular Roth IRA
1.80%	$300	-	5 Year Young Savers CESA
1.80%	$3k	-	5 Year Young Savers Regular CESA
1.50%	$1k	-	4 Year IRA
1.50%	$1k	-	4 Year Roth IRA
1.50%	$1k	-	4 Year CESA
1.50%	$300	-	4 Year Young Savers IRA
1.50%	$3k	-	4 Year Young Savers Regular IRA
1.50%	$300	-	4 Year Young Savers Roth IRA
1.50%	$3k	-	4 Year Young Savers Regular Roth IRA
1.50%	$300	-	4 Year Young Savers CESA
1.50%	$3k	-	4 Year Young Savers Regular CESA
1.20%	$1k	-	3 Year IRA
1.20%	$1k	-	3 Year Roth IRA
1.20%	$1k	-	3 Year CESA
1.20%	$300	-	3 Year Young Savers IRA
1.20%	$3k	-	3 Year Young Savers Regular IRA
1.20%	$300	-	3 Year Young Savers Roth IRA
1.20%	$3k	-	3 Year Young Savers Regular Roth IRA
1.20%	$300	-	3 Year Young Savers CESA
1.20%	$3k	-	3 Year Young Savers Regular CESA
0.90%	$1k	-	2 Year IRA
0.90%	$1k	-	2 Year Roth IRA
0.90%	$1k	-	2 Year CESA
0.90%	$300	-	2 Year Young Savers IRA
0.90%	$3k	-	2 Year Young Savers Regular IRA
0.90%	$300	-	2 Year Young Savers Roth IRA
0.90%	$3k	-	2 Year Young Savers Regular Roth IRA
0.90%	$300	-	2 Year Young Savers CESA
0.90%	$3k	-	2 Year Young Savers Regular CESA
0.65%	$1k	-	1 Year IRA
0.65%	$1k	-	1 Year Roth IRA
0.65%	$1k	-	1 Year CESA
0.65%	$300	-	1 Year Young Savers IRA
0.65%	$300	-	1 Year Young Savers Roth IRA
0.65%	$300	-	1 Year Young Savers CESA
0.45%	$1k	-	9 Month IRA
0.45%	$1k	-	9 Month Roth IRA
0.45%	$1k	-	9 Month CESA
0.45%	$300	-	9 Month Young Savers IRA
0.45%	$300	-	9 Month Young Savers Roth IRA
0.45%	$300	-	9 Month Young Savers CESA
0.35%	$1k	-	6 Month IRA
0.35%	$1k	-	6 Month Roth IRA
0.35%	$1k	-	6 Month CESA
0.35%	$300	-	6 Month Young Savers IRA
0.35%	$300	-	6 Month Young Savers Roth IRA
0.35%	$300	-	6 Month Young Savers CESA
0.30%	$1k	-	3 Month IRA
0.30%	$1k	-	3 Month Roth IRA
0.30%	$1k	-	3 Month CESA
0.30%	$300	-	3 Month Young Savers IRA
0.30%	$300	-	3 Month Young Savers Roth IRA
0.30%	$300	-	3 Month Young Savers CESA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

ALLIANT
NCUA #	64886
BankRate Report	View
Year Chartered	1933
Employees	26
Primary Regulator
Assets and Liabilities
Assets	$87.04 million
Loans	$62.32 million
Deposits	$78.23 million
Equity Capital	$8.07 million
Loan Loss Allowance	$280,000
Unbacked Noncurrent Loans	$665,000
Real Estate Owned	$746,000
Historic Data - December 2010
Assets	$85.08 million
Equity Capital	$7.22 million
Loan Loss Allowance	$214,000
Unbacked Noncurrent Loans	$454,000
Profit Margin - Quarterly
Net Interest Margin	4.91%
Return on Assets	0.98%
Return on Equity	10.57%
Interest Income	$3.66 million
Non-Interest Income	$1.26 million

Institution Health

Overall Score:

3 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 Alliant CU (IA) had $1.41 million in non-current loans and owned real-estate with $8.35 million in equity and loan loss allowances on hand to cover it. This gives Alliant CU (IA) a Texas Ratio of 16.90% 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 Alliant CU (IA) increased slightly from 6.11% as of December 31, 2010 to 16.90% as of December 31, 2011, resulting in a negative change of 176.62%. This indicates that the balance sheet and financial strength for Alliant CU (IA) has declined slightly in recent periods.
Deposit Growth
In the past year, Alliant CU (IA) has increased its total deposits by $1.27 million, resulting in 1.64% 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 Alliant CU (IA) 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. Alliant CU (IA) has $87.04 million in assets with $8.35 million in equity, resulting in a capitalization level of 9.59%, which is average.

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