Central Willamette Community Credit Union

Central Willamette Community Credit Union Locations

7101 Supra Dr SW
Albany, OR 97321
(541) 928-4536
www.centralwcu.org

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Central Willamette Community Credit Union is headquartered in Albany and is the 16^st largest credit union in the state of Oregon. It is also the 836^th largest credit union in the nation. It was established in 1955 and as of September of 2011, it had grown to 84 employees and 24,134 members. Central Willamette Community Credit Union's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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

Central Willamette Community Credit Union Checking Account Rates

Apy	Min	Max	Product
1.85%	-	$15k	Rewards Checking
0.40%	$25k	-	Premier Plus
0.40%	$100k	-	Premier Business

Central Willamette Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.55%	$10k	-	IRA Deposit
0.55%	$10k	-	Roth IRA Deposit Savings
0.55%	$10k	-	CESA Deposit Savings
0.20%	$25k	-	Youth Membership
0.20%	$25k	-	Membership Savings
0.20%	$25k	-	Business Membership Savings
0.20%	$25k	-	Association Membership Savings
0.20%	$25k	-	Business Extra Savings Account
0.20%	$25k	-	Dollar Dog
0.20%	$25k	-	Extra Savings Account
0.20%	$25k	-	Association Extra Savings Account
0.05%	$25	-	Perfect Plan

Central Willamette Community Credit Union Money Market Rates

Apy	Min	Max	Product
0.60%	$25k	-	Gold Plus Account
0.60%	$25k	-	Association Gold Plus Account
0.60%	$25k	-	Business Gold Plus Account

Central Willamette Community Credit Union CD Rates

Apy	Min	Max	Product
1.60%	$10k	-	4 Year CD
1.60%	$10k	-	Business/Association 4 Year CD
1.60%	$100k	-	4 Year Jumbo CD
1.60%	$100k	-	Business/Association 4 Year Jumbo CD
1.40%	$10k	-	3 Year to < 4 Year CD
1.40%	$10k	-	Business/Association 3 Year to < 4 Year CD
1.40%	$100k	-	3 Year to < 4 Year Jumbo CD
1.40%	$100k	-	Business/Association 3 Year to < 4 Year Jumbo CD
1.10%	$10k	-	Business/Association 2 Year to < 30 Month CD
1.10%	$10k	-	Business/Association 30 Month to < 3 Year CD
1.10%	$100k	-	2 Year to < 30 Month Jumbo CD
1.10%	$100k	-	30 Month to < 3 Year Jumbo CD
1.10%	$100k	-	Business/Association 2 Year to < 30 Month Jumbo CD
1.10%	$10k	-	30 Month to < 3 Year CD
1.10%	$100k	-	Business/Association 30 Month to < 3 yrs Jumbo CD
1.10%	$10k	-	2 Year to < 30 Month CD
0.90%	$10k	-	18 Month to < 2 Year CD
0.90%	$10k	-	Business/Association 18 Month to < 2 Year CD
0.90%	$100k	-	18 Month to < 2 Year Jumbo CD
0.90%	$100k	-	Business/Association 18 Month to < 2 Year Jumbo CD
0.70%	$10k	-	1 Year to < 18 Month CD
0.70%	$10k	-	Business/Association 1 Year to < 18 Month CD
0.70%	$100k	-	1 Year to < 18 Month Jumbo CD
0.70%	$100k	-	Business/Association 1 Year to < 18 Month Jumbo CD

Central Willamette Community Credit Union IRA Rates

Apy	Min	Max	Product
1.60%	$10k	-	4 Year IRA
1.60%	$100k	-	4 Year Jumbo IRA
1.60%	$10k	-	4 Year Roth IRA
1.60%	$100k	-	4 Year Jumbo Roth IRA
1.60%	$10k	-	4 Year CESA
1.60%	$100k	-	4 Year Jumbo CESA
1.40%	$10k	-	3 Year to < 4 Year IRA
1.40%	$100k	-	3 Year to < 4 Year Jumbo IRA
1.40%	$10k	-	3 Year to < 4 Year Roth IRA
1.40%	$100k	-	3 Year to < 4 Year Jumbo Roth IRA
1.40%	$10k	-	3 Year to < 4 Year CESA
1.40%	$100k	-	3 Year to < 4 Year Jumbo CESA
1.10%	$10k	-	2 Year to < 30 Month IRA
1.10%	$10k	-	30 Month to < 3 Year IRA
1.10%	$100k	-	2 Year to < 30 Month Jumbo IRA
1.10%	$100k	-	30 Month to < 3 Year Jumbo IRA
1.10%	$10k	-	2 Year to < 30 Month Roth IRA
1.10%	$100k	-	2 Year to < 30 Month Jumbo Roth IRA
1.10%	$10k	-	30 Month to < 3 Year Roth IRA
1.10%	$100k	-	30 Month to < 3 Year Jumbo Roth IRA
1.10%	$10k	-	2 Year to < 30 Month CESA
1.10%	$100k	-	2 Year to < 30 Month Jumbo CESA
1.10%	$10k	-	30 Month to < 3 Year CESA
1.10%	$100k	-	30 Month to < 3 Year Jumbo CESA
0.90%	$10k	-	18 Month to < 2 Year IRA
0.90%	$100k	-	18 Month to < 2 Year Jumbo IRA
0.90%	$10k	-	18 Month to < 2 Year Roth IRA
0.90%	$100k	-	18 Month to < 2 Year Jumbo Roth IRA
0.90%	$10k	-	18 Month to < 2 Year CESA
0.90%	$100k	-	18 Month to < 2 Year Jumbo CESA
0.70%	$10k	-	1 Year to < 18 Month IRA
0.70%	$100k	-	1 Year to < 18 Month Jumbo IRA
0.70%	$10k	-	1 Year to < 18 Month Roth IRA
0.70%	$100k	-	1 Year to < 18 Month Jumbo Roth IRA
0.70%	$10k	-	1 Year to < 18 Month CESA
0.70%	$100k	-	1 Year to < 18 Month Jumbo CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

CENTRAL WILLAMETTE COMMUNITY
NCUA #	62665
BankRate Report	View
Year Established	1955
Employees	84
Primary Regulator
Assets and Liabilities
Assets	$208.16 million
Loans	$132.41 million
Deposits	$191.93 million
Equity Capital	$15.39 million
Loan Loss Allowance	$2.22 million
Unbacked Noncurrent Loans	$781,000
Historic Data - September 2010
Assets	$203.54 million
Equity Capital	$14.67 million
Loan Loss Allowance	$2.12 million
Unbacked Noncurrent Loans	$1.13 million
Profit Margin - Quarterly
Net Interest Margin	4.45%
Return on Assets	0.43%
Return on Equity	5.79%
Interest Income	$6.27 million
Non-Interest Income	$2.77 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 September 30, 2011 Central Willamette Community Credit Union had $781,000 in non-current loans and owned real-estate with $17.61 million in equity and loan loss allowances on hand to cover it. This gives Central Willamette Community Credit Union a Texas Ratio of 4.43% 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 Willamette Community Credit Union decreased slightly from 6.72% as of September 30, 2010 to 4.43% as of September 30, 2011, resulting in a positive change of 34.02%.This indicates that the balance sheet and financial strength for Central Willamette Community Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Central Willamette Community Credit Union has increased its total deposits by $5.41 million, resulting in 2.9% 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 Willamette Community 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. Central Willamette Community Credit Union has $208.16 million in assets with $17.61 million in equity, resulting in a capitalization level of 8.46%, which is average.

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