Allsouth Credit Union

6923 North Trenholm Road
Columbia, SC 29206
803-736-3110
www.allsouth.org

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Allsouth Credit Union is headquartered in Columbia and is the 5^th largest credit union in the state of South Carolina. It is also the 319^st largest credit union in the nation. It was established in 1960 and as of March of 2013, it had grown to 255 employees and 101,743 members. Allsouth Credit Union has a 5-star health rating.

Top Jumbo CD and IRA CD Rates at AllSouth Credit Union in South Carolina - Local Only - 9/15/2010

AllSouth Credit Union is offering some competitive CD and IRA CD rates. The best rates require a $100,000 minimum deposit. These include a 2.47% APY 3-year CD, a 2.22% APY 2-year CD and a 1.91% APY 12 ...

2.27% Jumbo 12-Month CD at AllSouth Credit Union in South Carolina - Local Only - 11/4/2009

AllSouth Credit Union is offering some competitive certificate rates. The best rates require a $100,000 minimum deposit. These include a 1.96% APY 6-month CD, a 2.27% APY 12-month CD and a 2.47% APY 24-month CD. Lower rates are available for smaller...

4.50% 12-Month CD at AllSouth Credit Union in South Carolina - 11/12/2008

AllSouth Credit Union is offering a special 12-month certificate with a yield of 4.50% APY. Minimum deposit is $1,000. The offer is listed on the credit union's home page. The offer states that the rate is subject to change every Tuesday...

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

Allsouth Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$1k	-	Interest Checking

Allsouth Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$100	-	Membership Savings
0.15%	$100	-	Kids Club
0.15%	$25	-	IRA Savings
0.15%	$25	-	Roth IRA Savings
0.15%	$25	-	CESA Savings Account
0.10%	-	-	Christmas Club
0.10%	-	-	Cookie Jar club

Allsouth Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Account

Allsouth Credit Union CD Rates

Apy	Min	Max	Product
1.00%	$100k	-	60 Month CD
0.70%	$100k	-	36 Month CD
0.55%	$100k	-	24 Month CD
0.40%	$100k	-	12 Month CD
0.30%	$100k	-	6 Month CD
0.25%	$100k	-	3 Month CD
0.25%	$100	-	12 Month Add-On CD

Allsouth Credit Union IRA Rates

Apy	Min	Max	Product
0.65%	$100k	-	30 Month IRA
0.65%	$100k	-	30 Month Roth IRA
0.65%	$100k	-	30 Month CESA
0.65%	$100k	-	30 Month Conduit IRA
0.50%	$100k	-	18 Month IRA
0.50%	$100k	-	18 Month Roth IRA
0.50%	$100k	-	18 Month CESA
0.50%	$100k	-	18 Month Conduit IRA
0.40%	$100k	-	12 Month IRA
0.40%	$100k	-	12 Month Roth IRA
0.40%	$100k	-	12 Month CESA
0.40%	$100k	-	12 Month Conduit IRA
0.25%	$100	-	12 Month Add-On IRA
0.25%	$100	-	12 Month Add-On Roth IRA
0.25%	$100	-	12 Month Add-On CESA
0.25%	$100	-	12 Month Add-On Conduit IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

ALLSOUTH
NCUA #	13828
BankRate Report	View
Year Chartered	1960
Employees	255
Primary Regulator
Assets and Liabilities
Assets	$686.84 million
Loans	$303.51 million
Deposits	$596.89 million
Equity Capital	$86.75 million
Loan Loss Allowance	$2.65 million
Unbacked Noncurrent Loans	$697,000
Real Estate Owned	$483,000
Historic Data - March 2012
Assets	$672.34 million
Equity Capital	$81.95 million
Loan Loss Allowance	$3.22 million
Unbacked Noncurrent Loans	$1.55 million
Real Estate Owned	$9,000
Profit Margin - Quarterly
Net Interest Margin	1.05%
Return on Assets	0.73%
Return on Equity	5.8%
Interest Income	$3.79 million
Non-Interest Income	$4.96 million

Institution Health

Overall Score:

5 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 March 31, 2013 Allsouth Credit Union had $1.18 million in non-current loans and owned real-estate with $89.4 million in equity and loan loss allowances on hand to cover it. This gives Allsouth Credit Union a Texas Ratio of 1.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Allsouth Credit Union decreased slightly from 1.83% as of March 31, 2012 to 1.32% as of March 31, 2013, resulting in a positive change of 27.71%.This indicates that the balance sheet and financial strength for Allsouth Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Allsouth Credit Union has increased its total deposits by $9.76 million, resulting in 1.66% 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 Allsouth 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. Allsouth Credit Union has $686.84 million in assets with $89.4 million in equity, resulting in a capitalization level of 13.02%, which is excellent.