3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

American United Family Of Credit Unions

American United Family Of Credit Unions Locations
500 Foothill Drive
Salt Lake City, UT 84148
801-583-5015
www.americanunitedcu.org

NCUA

American United Family Of Credit Unions is headquartered in Salt Lake City and is the 15st largest credit union in the state of Utah. It is also the 1,177th largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 48 employees and 17,419 members. American United Family Of Credit Unions has a 4-star health rating.

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Top CD Rates with Flex Options at American United Family Of CU in Utah - 12/18/2012

A few institutions around the nation offer CDs with some slight variations. They give the depositor more flexibility, but they often come with the price of a lower rate. A good example of an instituti ...



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

American United Family Of Credit Unions Checking Account Rates

ApyMinMaxProduct
0.10%$500-Premier Checking
0.05%$500-Free Checking
0.05%$500-Life Checking
0.05%$500-iAccount Checking

American United Family Of Credit Unions Savings Account Rates

ApyMinMaxProduct
0.25%--IRA Shares
0.10%$50-Share Savings

American United Family Of Credit Unions Money Market Rates

ApyMinMaxProduct
0.35%$50k-Money Market

American United Family Of Credit Unions CD Rates

ApyMinMaxProduct
2.00%$500-60 Month CD
1.20%$500-48 Month CD
0.95%$500-36 Month CD
0.55%$500-24 Month Share Certificate
0.50%$500-18 Month Share Certificate
0.45%$500-12 Month Share Certificate

American United Family Of Credit Unions IRA Rates

ApyMinMaxProduct
2.00%$500-60 Month IRA
2.00%$500-60 Month Roth IRA
2.00%$500-60 Month Coverdell IRA
1.20%$500-48 Month IRA
1.20%$500-48 Month Roth IRA
1.20%$500-48 Month Coverdell IRA
0.95%$500-36 Month IRA
0.95%$500-36 Month Roth IRA
0.95%$500-36 Month Coverdell IRA
0.55%$500-24 Month IRA
0.55%$500-24 Month Roth IRA
0.55%$500-24 Month Coverdell IRA
0.50%$500-18 Month IRA
0.50%$500-18 Month Roth IRA
0.50%$500-18 Month Coverdell IRA
0.45%$500-12 Month IRA
0.45%$500-12 Month Roth IRA
0.45%$500-12 Month Coverdell IRA

Rates updated: 6/18/2013 * Not all products updated

Data for Q4 2012


Institution Statistics


AMERICAN UNITED FAMILY OF CREDIT UN
NCUA #8187
BankRate ReportView
Year Chartered1952
Employees48
Primary Regulator

Assets and Liabilities

Assets$137.78 million
Loans$103.94 million
Deposits$125.17 million
Equity Capital$12.08 million
Loan Loss Allowance$974,000
Unbacked Noncurrent Loans$1.67 million
Real Estate Owned$525,000

Historic Data - December 2011

Assets$81.29 million
Equity Capital$8.41 million
Loan Loss Allowance$1.22 million
Unbacked Noncurrent Loans$679,000
Real Estate Owned$466,000

Profit Margin - Quarterly

Net Interest Margin6.05%
Return on Assets1.59%
Return on Equity18.18%
Interest Income$7.19 million
Non-Interest Income$2.51 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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, 2012 American United Family Of Credit Unions had $2.2 million in non-current loans and owned real-estate with $13.06 million in equity and loan loss allowances on hand to cover it. This gives American United Family Of Credit Unions a Texas Ratio of 16.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for American United Family Of Credit Unions held steady from 11.89% as of December 31, 2011 to 16.82% as of December 31, 2012, resulting in a negative change of 41.46%. This indicates that the balance sheet and financial strength for American United Family Of Credit Unions has held steady in recent periods.
Deposit Growth5
In the past year, American United Family Of Credit Unions has increased its total deposits by $54.64 million, resulting in 77.48% 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 American United Family Of Credit Unions has shown is excellent.
Capitalization3
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. American United Family Of Credit Unions has $137.78 million in assets with $13.06 million in equity, resulting in a capitalization level of 9.48%, which is average.
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Most Unprofessional And Dishonest Employees In Utah! Stay Away From This Bank.
1 stars - Upsetcustomer - Thursday, June 14, 2012 - 9:59 PM

If your looking for a credit union to open an account, then stay away from this place.  I had an account there and went inn there and put a stop payment and stop the ACH on my account, and the teller [name redacted] did it wrong and they are trying to get 800 dollars from me.

The collection employee at this Credit Union [name redacted] lied to me on the telephone for 3 month telling me that it was ok and he would take care of it.  Then it went to collections and each time I got a call from the colllector I would cal [name redacted] and he told me he would take care of it.  In the meantime, he was doing nothing at all.  I went and explained my problem to Vice President of the bank [name redacted], and it was like talking to the wall.  She has no clue what is going on and then threatened me that she was sending there Lawyer on me.  This Vice President who is old enough to me my grandmother and I am 52 is way lost, and [name redacted] is a big liiar, he is a 350 pound slob, who is 5 feet 5 inches tal and tries to bully and threaten me to pay the check that should have been stopped.  Then he goes and cries to his boss that he was threatened when he was the one that threatened me that if I do not pay the balance he would take it out of my "Hiide"

 

These people are real losers, you have been warned.

 

3

Best Credit Union Around
5 stars - mjt1983 - Tuesday, January 1, 2013 - 5:07 PM

I'm been a member of American United for nealy a decade, and my wife has been a member since she was a child.  We couldn't be happier with our experiences with American United.  They have always treated us with the most respect and professional care.  They are the experts in designing unique products that address their member's needs.  I know people who were turned away by other financial institutions, but American United gladly helped them out.  If you want a financial institution that truly looks out for you, and who can find a way to help just about everyone , then American United is the way to go!

1
 
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