Credit Union 1 (IL)

P.O. Box 200
Rantoul, IL 61866
800-252-6950
www.creditunion1.org

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Credit Union 1 (IL) is headquartered in Rantoul and is the 8^th largest credit union in the state of Illinois. It is also the 309^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 259 employees and 79,712 members. Credit Union 1 (IL) has a 3-star health rating.

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

Credit Union 1 (IL) Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Interest Checking

Credit Union 1 (IL) Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	IRA Savings
0.25%	$50	-	Savings
0.25%	-	-	Roth IRA Savings
0.25%	-	-	CESA Savings

Credit Union 1 (IL) Money Market Rates

	Apy	Min	Max	Product
	0.55%	$50k	-	Money Market Deposit Account

Credit Union 1 (IL) CD Rates

Apy	Min	Max	Product
2.10%	$10k	-	60 Month CD Plus
2.00%	$1k	$10k	60 Month CD
2.00%	$10k	-	48 Month CD Plus
1.90%	$1k	$10k	48 Month CD
1.75%	$10k	-	36 Month CD Plus
1.65%	$1k	$10k	36 Month CD
1.35%	$10k	-	30 Month CD Plus
1.25%	$1k	$10k	30 Month CD
1.20%	$10k	-	24 Month CD Plus
1.10%	$1k	$10k	24 Month CD
1.10%	$10k	-	18 Month CD Plus
1.00%	$1k	$10k	18 Month CD
0.75%	$10k	-	12 Month CD Plus
0.65%	$1k	$10k	12 Month CD
0.60%	$10k	-	6 Month CD Plus
0.50%	$1k	$10k	6 Month CD

Credit Union 1 (IL) IRA Rates

Apy	Min	Max	Product
2.30%	$10k	-	60 Month IRA Plus
2.30%	$10k	-	60 Month Roth IRA Plus
2.30%	$10k	-	60 Month CESA Plus
2.20%	$10k	-	48 Month IRA Plus
2.20%	$1k	$10k	60 Month IRA
2.20%	$10k	-	48 Month Roth IRA Plus
2.20%	$1k	$10k	60 Month Roth IRA
2.20%	$10k	-	48 Month CESA Plus
2.20%	$1k	$10k	60 Month CESA
2.10%	$1k	$10k	48 Month IRA
2.10%	$1k	$10k	48 Month Roth IRA
2.10%	$1k	$10k	48 Month CESA
1.95%	$10k	-	36 Month IRA Plus
1.95%	$10k	-	36 Month Roth IRA Plus
1.95%	$10k	-	36 Month CESA Plus
1.85%	$1k	$10k	36 Month IRA
1.85%	$1k	$10k	36 Month Roth IRA
1.85%	$1k	$10k	36 Month CESA
1.55%	$10k	-	30 Month IRA Plus
1.55%	$10k	-	30 Month Roth IRA Plus
1.55%	$10k	-	30 Month CESA Plus
1.45%	$1k	$10k	30 Month IRA
1.45%	$1k	$10k	30 Month Roth IRA
1.45%	$1k	$10k	30 Month CESA
1.40%	$10k	-	24 Month IRA Plus
1.40%	$10k	-	24 Month Roth IRA Plus
1.40%	$10k	-	24 Month CESA Plus
1.30%	$10k	-	18 Month IRA Plus
1.30%	$1k	$10k	24 Month IRA
1.30%	$10k	-	18 Month Roth IRA Plus
1.30%	$1k	$10k	24 Month Roth IRA
1.30%	$10k	-	18 Month CESA Plus
1.30%	$1k	$10k	24 Month CESA
1.20%	$1k	$10k	18 Month IRA
1.20%	$1k	$10k	18 Month Roth IRA
1.20%	$1k	$10k	18 Month CESA
0.95%	$10k	-	12 Month IRA Plus
0.95%	$10k	-	12 Month Roth IRA Plus
0.95%	$10k	-	12 Month CESA Plus
0.85%	$1k	$10k	12 Month IRA
0.85%	$1k	$10k	12 Month Roth IRA
0.85%	$1k	$10k	12 Month CESA
0.80%	$10k	-	6 Month IRA Plus
0.80%	$10k	-	6 Month Roth IRA Plus
0.80%	$10k	-	6 Month CESA Plus
0.70%	$1k	$10k	6 Month IRA
0.70%	$1k	$10k	6 Month Roth IRA
0.70%	$1k	$10k	6 Month CESA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CREDIT UNION 1
NCUA #	96069
BankRate Report	View
Year Chartered	1958
Employees	259
Primary Regulator
Assets and Liabilities
Assets	$644.40 million
Loans	$392.80 million
Deposits	$583.93 million
Equity Capital	$56.08 million
Loan Loss Allowance	$4.22 million
Unbacked Noncurrent Loans	$23.09 million
Real Estate Owned	$6.00 million
Historic Data - December 2010
Assets	$647.47 million
Equity Capital	$53.94 million
Loan Loss Allowance	$5.52 million
Unbacked Noncurrent Loans	$28.44 million
Real Estate Owned	$4.93 million
Profit Margin - Quarterly
Net Interest Margin	6.02%
Return on Assets	0.33%
Return on Equity	3.81%
Interest Income	$25.09 million
Non-Interest Income	$13.45 million

Institution Health

Overall Score:

3 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 Credit Union 1 (IL) had $29.09 million in non-current loans and owned real-estate with $60.3 million in equity and loan loss allowances on hand to cover it. This gives Credit Union 1 (IL) a Texas Ratio of 48.25% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Credit Union 1 (IL) held steady from 56.11% as of December 31, 2010 to 48.25% as of December 31, 2011, resulting in a positive change of 14.01%.This indicates that the balance sheet and financial strength for Credit Union 1 (IL) has held steady in recent periods.
Deposit Growth
In the past year, Credit Union 1 (IL) has decreased its total deposits by -$4.06 million, resulting in -0.69% 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 Credit Union 1 (IL) has shown is 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. Credit Union 1 (IL) has $644.4 million in assets with $60.3 million in equity, resulting in a capitalization level of 9.36%, which is average.

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