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Milwaukee, WI 53212

Brewery Credit Union is headquartered in MILWAUKEE and is the 78th largest credit union in the state of Wisconsin. It is also the 2,703rd largest credit union in the nation. It was established in 1934 and as of December of 2013, it had grown to 19 employees and 7,723 members. Brewery Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work in Milwaukee, Waukesha, Ozaukee or Washington County. - See Details

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Reviews (1)

Brewery Credit Union Is A Deceiver

Brewery Credit Union is a DECEIVER. They are using the Credit Union name to lure in unsuspecting consumers and pocketing your hard earned dollars with inflated service/maintenance fees and high interest rates which mirror, if not exceed, those of the giant corporate bully's. $25.05's is the fee to transfer money to and from your OWN accounts??? The staff is comprised of inept zombies. Especially at the Outpost branch where I had the unfortunate opportunity to do most of my banking. Hello, is anyone there? Repeated $5.00 monthly checking fees even though I met Brewery's 3 free checking account requirements and then called each month to fix the lack of employee skills it takes to push a few buttons to correct the issue??? I deposited a check for $500.00 and as I was walking away, looked at my transaction receipt and noticed I was negative $300.00. After further investigation, I realized the name on the receipt wasn't even mine. They put my funds in another members account. The list goes on, but I'm without additional motivation. I've wasted enough of my time, gas and hard earned dollars on them. It's a sad day when your Credit Union, which was fashioned to protect their members from the purse snatching corporate wolf, is just that. Shame on you Brewery!

One last thing. I feel extremely sad when I read reviews from people that say they have bad credit and Brewery was the only bank that will open an account for them. I'm most certain they are giving those members extremely high rates and taking advantage of their situation - just like the non Credit Union banks before the foreclosure meltdown happened. Brewery's amplitude of fees and service charges do not accommodate people who live paycheck to paycheck. Please think twice and seek out other options before choosing Brewery. Milwaukee is saturated with Credit Unions that will treat their members/owners with respect.


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Brewery Credit Union has a low asset base.

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, 2013 Brewery Credit Union had $708,000 in non-current loans and owned real-estate with $7.8 million in equity and loan loss allowances on hand to cover it. This gives Brewery Credit Union a Texas Ratio of 9.08% 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 Brewery Credit Union decreased slightly from 10.64% as of December 31, 2012 to 9.08% as of December 31, 2013, resulting in a positive change of 14.64%.This indicates that the balance sheet and financial strength for Brewery Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Brewery Credit Union has increased its total deposits by $463,000, resulting in 1.61% 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 Brewery Credit Union has shown is above average.



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. Brewery Credit Union has $35.89 million in assets with $7.8 million in equity, resulting in a capitalization level of 21.72%, which is excellent.

Institution Statistics

NCUA #66637
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$35.89 million
Loans$30.18 million
Deposits$29.19 million
Equity Capital$6.38 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$676,000
Real Estate Owned$32,000
Historic Data - December 2012
Assets$34.99 million
Equity Capital$5.98 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$676,000
Real Estate Owned$107,000
Profit Margin - Quarterly
Net Interest Margin6.03%
Return on Assets1.13%
Return on Equity6.35%
Interest Income$1.96 million

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Brewery Credit Union Savings Account Rates

0.75%--Health Savings Account
0.45%--IRA Account
0.45%--Roth IRA Account
0.25%--Variable IRA Account
0.25%--Variable Roth IRA Account
0.12%--Holiday Club
0.10%--Dream Account
0.10%$100-Sub Shares

Brewery Credit Union Money Market Rates

0.35%$75k-Money Market Plus Account

Brewery Credit Union Checking Account Rates

0.15%$1,500-Supreme Checking Account
0.12%$10k-Premium Checking Account

Brewery Credit Union CD Rates

1.01%$1k-36 Month CD
0.80%$1k-24 Month CD
0.55%$1k-18 Month CD
0.45%$1k-12 Month CD
0.25%$500-6 Month CD
0.15%$500-3 Month CD

Brewery Credit Union IRA Rates

1.00%$1k-36 Month IRA
1.00%$1k-36 Month Roth IRA
1.00%$1k-36 Month Educ. IRA
0.80%$1k-24 Month Roth IRA
0.80%$1k-24 Month Educ. IRA

Brewery Credit Union Locations