Central Star Credit Union

9555 Corporate Hills Drive
Wichita, KS 67207
316-685-9555 ext. 124
www.centralstar.org

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Central Star Credit Union is headquartered in Wichita and is the 16^st largest credit union in the state of Kansas. It is also the 1,832^nd largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 29 employees and 9,345 members. Central Star Credit Union's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

Central Star Credit Union Routing Number: 301179986

4.25% 18-Month CD at Central Star Credit Union in Kansas - 12/16/2008

Central Star Credit Union is offering a special 4.25% 18-month certificate. Minimum deposit is $1,000. The special is listed on the credit union's front page. It's the #2 offer on the right hand side. I called the credit union yesterday for additional...

4.75% 60-Month CD at a Kansas Credit Union (Central Star). - 2/6/2008

Update 2/23/08: The rates have gone down. Please check the institution's website for the latest rates.Update 2/16/08: The rates have gone down. The 60-month CD now has a yield of 4.75% APY. The title has been changed to reflect this change.Central Star...

5.50% 12-Month CD at a Kansas CU (Central Star) - 8/26/2007

Central Star Credit Union is offering a special 5.50% APY 12-month certificate. The minimum deposit is $1,000. New money is required. It's available as a regular share or IRA certificate.Membership is open to anyone who lives, works or does business in...

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See Rates for: Checking | Savings | CD | IRA

Central Star Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$2k	-	Five Star Checking
0.10%	$2k	-	Performance Checking
0.10%	$2k	-	Student Checking

Central Star Credit Union Savings Account Rates

Apy	Min	Max	Product
0.80%	$25	-	Club Accounts
0.80%	$25	-	Planet M
0.30%	-	-	Traditional IRA Savings
0.30%	-	-	Roth IRA Savings
0.30%	-	-	Coverdell Education Savings Account
0.25%	$5k	-	Membership Savings Account

Central Star Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$1k	-	5 Year Share Certificate
1.65%	$1k	-	4 Year Share Certificate
1.45%	$1k	-	3 Year Share Certificate
1.00%	$500	-	Super Start 14 Month Share Certificate
1.00%	$1k	-	2 Year Share Certificate
0.65%	$1k	-	1 Year Share Certificate
0.45%	$1k	-	6 Month Share Certificate

Central Star Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$1k	-	5 Year CESA Certficate
2.00%	$1k	-	5 Year Roth IRA Certficate
2.00%	$1k	-	5 Year IRA Certficate
1.65%	$1k	-	4 Year CESA Certficate
1.65%	$1k	-	4 Year Roth IRA Certficate
1.65%	$1k	-	4 Year IRA Certficate
1.45%	$1k	-	3 Year CESA Certficate
1.45%	$1k	-	3 Year Roth IRA Certficate
1.45%	$1k	-	3 Year IRA Certficate
1.00%	$500	-	Super Start 14 Month CESA Certficate
1.00%	$1k	-	2 Year CESA Certficate
1.00%	$500	-	Super Start 14 Month Roth IRA Certficate
1.00%	$1k	-	2 Year Roth IRA Certficate
1.00%	$500	-	Super Start 14 Month IRA Certficate
1.00%	$1k	-	2 Year IRA Certficate
0.65%	$1k	-	1 Year CESA Certficate
0.65%	$1k	-	1 Year Roth IRA Certficate
0.65%	$1k	-	1 Year IRA Certficate
0.45%	$1k	-	6 Month CESA Certficate
0.45%	$1k	-	6 Month Roth IRA Certficate
0.45%	$1k	-	6 Month IRA Certficate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CENTRAL STAR
NCUA #	67818
BankRate Report	View
Year Chartered	1940
Employees	29
Primary Regulator
Assets and Liabilities
Assets	$69.05 million
Loans	$43.00 million
Deposits	$61.46 million
Equity Capital	$6.76 million
Loan Loss Allowance	$873,000
Unbacked Noncurrent Loans	$524,000
Historic Data - December 2010
Assets	$64.96 million
Equity Capital	$5.96 million
Loan Loss Allowance	$1.03 million
Unbacked Noncurrent Loans	$1.06 million
Real Estate Owned	$145,000
Profit Margin - Quarterly
Net Interest Margin	5.89%
Return on Assets	0.44%
Return on Equity	4.49%
Interest Income	$3.44 million
Non-Interest Income	$1.11 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 December 31, 2011 Central Star Credit Union had $524,000 in non-current loans and owned real-estate with $7.64 million in equity and loan loss allowances on hand to cover it. This gives Central Star Credit Union a Texas Ratio of 6.86% 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 Central Star Credit Union decreased significantly from 17.30% as of December 31, 2010 to 6.86% as of December 31, 2011, resulting in a positive change of 60.34%.This indicates that the balance sheet and financial strength for Central Star Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Central Star Credit Union has increased its total deposits by $3.06 million, resulting in 5.23% 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 Central Star Credit Union has shown is excellent.
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. Central Star Credit Union has $69.05 million in assets with $7.64 million in equity, resulting in a capitalization level of 11.06%, which is above average.