Beehive Credit Union

P.O.Box 40
Rexburg, ID 83440
800-972-4483
www.bhive.org

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Beehive Credit Union is headquartered in Rexburg and is the 8^th largest credit union in the state of Idaho. It is also the 1,029^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 51 employees and 19,083 members. Beehive Credit Union's savings rates are 6X the national average, and it has a 4-star health rating.

5.25% Online Money Market Account at a Utah CU (Beehive) - 8/29/2006

Update 12/06/08: Rate has increased to 3.25% APY.Update 5/03/08: Rate has fallen to 3.05% APY.Update 4/12/08: Rate has fallen to 3.20% APY.Update 3/08/08: Rate has fallen to 3.40% APY.Update 2/09/08: Rate has fallen to 3.50% APY.Update 1/5/08: Rate has...

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

Beehive Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$10k	-	Regular Checking
0.10%	$10k	-	Business Checking

Beehive Credit Union Savings Account Rates

Apy	Min	Max	Product
3.00%	-	-	Pocket Change Account
0.20%	-	-	Dedicated Savings
0.20%	-	-	Idaho Medical Savings
0.20%	-	-	IRA Savings
0.20%	-	-	Coverdell Education Savings Account (CESA)
0.15%	-	-	Regular Savings
0.10%	$10k	-	Idaho Medical Checking
0.05%	-	-	Unlimited Transaction
0.05%	-	-	Escrow Savings

Beehive Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$25k	-	Money Market Account

Beehive Credit Union CD Rates

Apy	Min	Max	Product
1.38%	$100k	-	60 Month Share Certificate
1.13%	$100k	-	48 Month Share Certificate
0.88%	$100k	-	36 Month Share Certificate
0.58%	$100k	-	24 Month Share Certificate
0.53%	$100k	-	18 Month Share Certificate
0.53%	$100k	-	24 Month 1 Time Rate Bump Share Certificate
0.48%	$100k	-	12 Month Share Certificate
0.38%	$100k	-	6 Month Share Certificate
0.28%	$100k	-	3 Month Share Certificate

Beehive Credit Union IRA Rates

Apy	Min	Max	Product
1.38%	$100k	-	60 Month IRA Certificate
1.38%	$100k	-	60 Month SEP IRA Certificate
1.38%	$100k	-	60 Month CESA Certificate
1.13%	$100k	-	48 Month IRA Certificate
1.13%	$100k	-	48 Month SEP IRA Certificate
1.13%	$100k	-	48 Month CESA Certificate
0.88%	$100k	-	36 Month IRA Certificate
0.88%	$100k	-	36 Month SEP IRA Certificate
0.88%	$100k	-	36 Month CESA Certificate
0.58%	$100k	-	24 Month IRA Certificate
0.58%	$100k	-	24 Month SEP IRA Certificate
0.58%	$100k	-	24 Month CESA Certificate
0.53%	$100k	-	18 Month IRA Certificate
0.53%	$100k	-	24 Month 1 Time Rate Bump IRA Certificate
0.53%	$100k	-	18 Month SEP IRA Certificate
0.53%	$100k	-	24 Month 1 Time Rate Bump SEP IRA Certificate
0.53%	$100k	-	18 Month CESA Certificate
0.53%	$100k	-	24 Month 1 Time Rate Bump CESA Certificate
0.48%	$100k	-	12 Month IRA Certificate
0.48%	$100k	-	12 Month SEP IRA Certificate
0.48%	$100k	-	12 Month CESA Certificate
0.38%	$100k	-	6 Month IRA Certificate
0.38%	$100k	-	6 Month SEP IRA Certificate
0.38%	$100k	-	6 Month CESA Certificate
0.28%	$100k	-	3 Month IRA Certificate
0.28%	$100k	-	3 Month SEP IRA Certificate
0.28%	$100k	-	3 Month CESA Certificate

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BEEHIVE
NCUA #	13741
BankRate Report	View
Year Chartered	1960
Employees	51
Primary Regulator
Assets and Liabilities
Assets	$156.49 million
Loans	$96.87 million
Deposits	$138.85 million
Equity Capital	$16.87 million
Loan Loss Allowance	$759,000
Unbacked Noncurrent Loans	$2.14 million
Real Estate Owned	$391,000
Historic Data - December 2010
Assets	$157.91 million
Equity Capital	$16.32 million
Loan Loss Allowance	$588,000
Unbacked Noncurrent Loans	$2.86 million
Profit Margin - Quarterly
Net Interest Margin	4.36%
Return on Assets	0.32%
Return on Equity	2.93%
Interest Income	$5.64 million
Non-Interest Income	$2.05 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 December 31, 2011 Beehive Credit Union had $2.53 million in non-current loans and owned real-estate with $17.63 million in equity and loan loss allowances on hand to cover it. This gives Beehive Credit Union a Texas Ratio of 14.33% 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 Beehive Credit Union decreased slightly from 16.90% as of December 31, 2010 to 14.33% as of December 31, 2011, resulting in a positive change of 15.24%.This indicates that the balance sheet and financial strength for Beehive Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Beehive Credit Union has decreased its total deposits by -$1.78 million, resulting in -1.27% 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 Beehive Credit Union has shown is below 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. Beehive Credit Union has $156.49 million in assets with $17.63 million in equity, resulting in a capitalization level of 11.27%, which is above average.