California Credit Union

701 N. Brand Blvd.
Glendale, CA 91203
(800) 334-8788
www.californiacu.org

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California Credit Union is headquartered in GLENDALE and is the 31^st largest credit union in the state of California. It is also the 181^st largest credit union in the nation. It was established in 1933 and as of December of 2012, it had grown to 220 employees and 70,951 members. California Credit Union has a 4-star health rating.

4.50% 7-Month Jumbo CD at California Credit Union - Easy Membership - 10/15/2008

California Credit Union has increased the yields on its Jumbo promotional certificates. These now have yields of 4.50% APY for the 7-month term and 4.80% APY for the 37-month term. The minimum deposit is $100,000. The yields for a $1,000 minimum deposit...

4.00% 7-Month CD at California Credit Union (up to 4.20%) - Easy Membership - 9/2/2008

California Credit Union has some competitive rates on its promotional certificates. The 7-month special certificate has a yield of 4.00% APY for a minimum deposit of $1,000. The yield is 4.20% APY for a $100,000 minimum deposit. There's also a 37-month...

4.70% 18-Month CD at California Credit Union - Easy Membership. - 2/8/2008

Update 2/8/08: The rates have fallen. For the 18-month term, the new yields are 4.50% APY for $100K and 4.35% APY for $1K. Please check the credit union's website for the latest rates.California Credit Union has some competitive certificate rates. The...

5.50% 11-Month CD at California Credit Union and $75 Checking Bonus - 5/2/2007

California Credit Union is still offering a 5.50% APY 11-month Expert Earner Savings Certificate. The minimum deposit is $10,000, and it requires new money.They still have a $75 bonus for opening its free checking account. It requires direct deposit....

2007

2/23 - 5.50% 11-Month CD at a California Credit Union and $75 Checking Bonus (California)

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

California Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$300	-	Summer Savings
0.10%	$300	-	Club Accounts
0.10%	$50	-	IRA Savings Account
0.10%	$50	-	Roth IRA Savings Account
0.05%	$300	-	Share Savings Accounts

California Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$500k	-	Money Market Accounts

California Credit Union CD Rates

Apy	Min	Max	Product
0.75%	$1k	-	60-Month Max Saver Share Certificate
0.35%	$1k	-	36-Month Max Saver Share Certificate
0.25%	$1k	-	24-Month Super Saver Share Certificate
0.20%	$1k	-	18-Month Super Saver Share Certificate
0.15%	$1k	-	12-Month Elite Saver Share Certificate
0.10%	$1k	-	3-Month Flex Saver Share Certificate
0.10%	$1k	-	6-Month Flex Saver Share Certificate

California Credit Union IRA Rates

Apy	Min	Max	Product
0.75%	$1k	-	60-Month Max Saver IRA Certificate
0.75%	$1k	-	60-Month Max Saver Roth IRA Certificate
0.35%	$1k	-	36-Month Max Saver IRA Certificate
0.35%	$1k	-	36-Month Max Saver Roth IRA Certificate
0.25%	$1k	-	24-Month Super Saver IRA Certificate
0.25%	$1k	-	24-Month Super Saver Roth IRA Certificate
0.20%	$1k	-	18-Month Super Saver IRA Certificate
0.20%	$1k	-	18-Month Super Saver Roth IRA Certificate
0.15%	$1k	-	12-Month Elite Saver IRA Certificate
0.15%	$1k	-	12-Month Elite Saver Roth IRA Certificate
0.10%	$1k	-	3-Month Flex Saver IRA Certificate
0.10%	$1k	-	6-Month Flex Saver IRA Certificate
0.10%	$1k	-	3-Month Flex Saver Roth IRA Certificate
0.10%	$1k	-	6-Month Flex Saver Roth IRA Certificate

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

CALIFORNIA
NCUA #	60784
BankRate Report	View
Year Chartered	1933
Employees	220
Primary Regulator
Assets and Liabilities
Assets	$1.07 billion
Loans	$612.40 million
Deposits	$955.86 million
Equity Capital	$91.85 million
Loan Loss Allowance	$22.05 million
Unbacked Noncurrent Loans	$22.06 million
Real Estate Owned	$2.33 million
Historic Data - December 2011
Assets	$1.04 billion
Equity Capital	$105.64 million
Loan Loss Allowance	$26.40 million
Unbacked Noncurrent Loans	$20.04 million
Real Estate Owned	$2.18 million
Profit Margin - Quarterly
Net Interest Margin	5.11%
Return on Assets	-0.29%
Return on Equity	-3.35%
Interest Income	$34.74 million
Non-Interest Income	$17.24 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, 2012 California Credit Union had $24.39 million in non-current loans and owned real-estate with $113.9 million in equity and loan loss allowances on hand to cover it. This gives California Credit Union a Texas Ratio of 21.41% 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 California Credit Union held steady from 16.82% as of December 31, 2011 to 21.41% as of December 31, 2012, resulting in a negative change of 27.26%. This indicates that the balance sheet and financial strength for California Credit Union has held steady in recent periods.
Deposit Growth
In the past year, California Credit Union has increased its total deposits by $35.68 million, resulting in 3.88% 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 California 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. California Credit Union has $1.07 billion in assets with $113.9 million in equity, resulting in a capitalization level of 10.62%, which is above average.