1 star ratingAverage User Rating:
1 star rating based on 1 review.

CommunityAmerica Credit Union

CommunityAmerica Credit Union Locations
P.O. Box 15950
Lenexa, KS 66285-5950
(800) 892-7957
www.cacu.com

NCUA


CommunityAmerica Credit Union is headquartered in KANSAS CITY and is the 2nd largest credit union in the state of Missouri. It is also the 82nd largest credit union in the nation. It was established in 1940 and as of March of 2013, it had grown to 626 employees and 171,495 members. CommunityAmerica Credit Union has a 5-star health rating.

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$50 Checking Account Bonus & Other Bonuses At Community America CU In MO & KS (Forum) - 8/8/2010

Community America Credit Union has a so-so checking account bonus: Some main points listed in the credit union's promotions page as of 8/8/10: $50 for opening checking account with $100 by 10/31/10 with automatic savings deposits Open an investment

$50 Checking Account Bonus At Community America CU In Kansas City (Forum) - 6/13/2010

In addition to a $50 bonus for the checking account, there's also up to a $100 bonus for an investment account. Offer ends 10/31/2010. The checking account bonus requires either direct deposit or 15 transactions within the first 2 months. Free checking



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

CommunityAmerica Credit Union Checking Account Rates

ApyMinMaxProduct
0.40%-$50kHigh Interest Business Checking
0.15%$2,500-Business Checking Plus
0.05%$20k-Premier Checking Account
0.05%$1k-Interest Checking Account

CommunityAmerica Credit Union Savings Account Rates

ApyMinMaxProduct
4.00%-$1,501Delta Share Savings Account
0.25%$50k-Share Savings Account
0.25%$50k-IRA Savings Account
0.25%$50k-Cash 'N Coins Savings Account
0.25%$50k-Business Share Savings
0.10%--Holiday Club Account
0.10%--Special Shares Account

CommunityAmerica Credit Union Money Market Rates

ApyMinMaxProduct
0.55%$500k-Freedom Money Market Savings Account
0.55%$500k-Freedom Money Market IRA Savings Account
0.55%$500k-Business Freedom Money Market

CommunityAmerica Credit Union CD Rates

ApyMinMaxProduct
1.15%$500-60 Month Share Certificate
1.15%$500-Business 60 Month Share Certificate
0.95%$500-48 Month Share Certificate
0.95%$500-Business 48 Month Share Certificate
0.70%$500-36 Month Share Certificate
0.70%$500-Business 36 Month Share Certificate
0.55%$500-30 Month Share Certificate
0.55%$500-Business 30 Month Share Certificate
0.50%$500-24 Month Share Certificate
0.50%$500-Business 24 Month Share Certificate
0.40%$500-18 Month Share Certificate
0.40%$500-Business 18 Month Share Certificate
0.35%$500-15 Month Share Certificate
0.35%$500-Business 15 Month Share Certificate
0.30%$500-12 Month Share Certificate
0.30%$500-Business 12 Month Share Certificate
0.25%$500-9 Month Share Certificate
0.25%$500-Business 9 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.20%$500-Business 6 Month Share Certificate
0.15%$500-3 Month Share Certificate
0.15%$500-Business 3 Month Share Certificate

CommunityAmerica Credit Union IRA Rates

ApyMinMaxProduct
1.15%$500-60 Month IRA Share Certificate
0.95%$500-48 Month IRA Share Certificate
0.70%$500-36 Month IRA Share Certificate
0.55%$500-30 Month IRA Share Certificate
0.50%$500-24 Month IRA Share Certificate
0.40%$500-18 Month IRA Share Certificate
0.35%$500-15 Month IRA Share Certificate
0.30%$500-12 Month IRA Share Certificate
0.25%$500-9 Month IRA Share Certificate
0.20%$500-6 Month IRA Share Certificate
0.15%$500-3 Month IRA Share Certificate

Rates updated: 6/18/2013

Data for Q1 2013


Institution Statistics


COMMUNITY AMERICA
NCUA #67664
BankRate ReportView
Year Chartered1940
Employees626
Primary Regulator

Assets and Liabilities

Assets$1.89 billion
Loans$1.11 billion
Deposits$1.49 billion
Equity Capital$231.53 million
Loan Loss Allowance$18.33 million
Unbacked Noncurrent Loans$8.18 million
Real Estate Owned$1.84 million

Historic Data - March 2012

Assets$1.91 billion
Equity Capital$223.61 million
Loan Loss Allowance$12.63 million
Unbacked Noncurrent Loans$12.77 million
Real Estate Owned$2.25 million

Profit Margin - Quarterly

Net Interest Margin1.28%
Return on Assets1.3%
Return on Equity10.66%
Interest Income$17.24 million
Non-Interest Income$19.46 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 March 31, 2013 CommunityAmerica Credit Union had $10.02 million in non-current loans and owned real-estate with $249.86 million in equity and loan loss allowances on hand to cover it. This gives CommunityAmerica Credit Union a Texas Ratio of 4.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for CommunityAmerica Credit Union decreased slightly from 6.36% as of March 31, 2012 to 4.01% as of March 31, 2013, resulting in a positive change of 36.92%.This indicates that the balance sheet and financial strength for CommunityAmerica Credit Union has improved slightly in recent periods.
Deposit Growth4
In the past year, CommunityAmerica Credit Union has increased its total deposits by $43.45 million, resulting in 3.01% 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 CommunityAmerica Credit Union has shown is above average.
Capitalization5
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. CommunityAmerica Credit Union has $1.89 billion in assets with $249.86 million in equity, resulting in a capitalization level of 13.19%, which is excellent.
Write Review

Horrible Loan Service!!! (There Is 1 Star Only Because I Had To Select One)
1 stars - Anonymous - Friday, July 29, 2011 - 3:43 PM

This is a horrible organization for a loan. I got a car loan from them and they and the dealer failed to inform me that with accepting a loan from them I was also opening up a savings account. Fast forward a few years, and the car is paid off with any overages I paid having been placed into this savings account, of which I knew nothing. Until a receive a statement informing me that I've gone under my minimum balance and that I've had $5 charges deducted from my account balance over the last 2 months. I called to have the situation resolved and the account closed with the overage amount sent to me. Of course they take no responsibility and say that they cannot reimburse me the amount they've already taken and then when I receive the check, another $5 has been taken out! Despite none of the customer service agents informing me of the additional charges at the time of my call.

WILL NEVER DO BUSINESS WITH THEM AGAIN!!!!!

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