Credit Union 1

1941 Abbott Rd
Anchorage, AK 99507
800 478–2222
www.cu1.org

NCUA

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Credit Union 1 is headquartered in Anchorage and is the 2^nd largest credit union in the state of Alaska. It is also the 242^nd largest credit union in the nation. It was established in 1982 and as of December of 2012, it had grown to 297 employees and 72,002 members. Credit Union 1 has a 5-star health rating.

Credit Union 1 Routing Number: 325272063

Very Competitive CD Rates at Credit Union 1 in IL & IN - ASI-Insured Only - 4/8/2009

Update: The rates have fallen. Please check the credit union's website for the latest rates.Credit Union 1 has several competitive certificate rates. These include a 2.65% APY 6-month CD and a 2.80% APY 12-month CD. Below is a full list of the CD rates...

4.75% 60-Month / 3.90% 12-Month CD at an Illinois/Indiana CU - ASI-Insured Only (Credit Union 1). - 5/9/2008

Update 6/07/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Update 5/24/08: The CD rates have fallen. The new 60-month yield is 4.75% APY and the new 12-month CD yield is 3.90% APY. The title has been modified...

5.10% 60-Month / 4.15% 12-Month CD at an Illinois/Indiana CU - ASI-Insured Only (Credit Union 1) - 3/5/2008

Update 4/05/08: The 12-month CD yield has fallen again. It's now 4.15% APY. The title has been modified to reflect this change.Update 3/29/08: The 12-month CD yield has fallen again. It's now 4.25% APY. Update 3/21/08: The 12-month CD yield has fallen...

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

Credit Union 1 Checking Account Rates

Apy	Min	Max	Product
0.10%	$1k	-	Premium Checking (S77)
0.10%	$5k	-	Business Premium Checking (S87)

Credit Union 1 Savings Account Rates

Apy	Min	Max	Product
0.40%	$5k	-	Transition Savings (S3)
0.35%	$100k	-	Premium Savings (S19)
0.25%	-	-	IRA Savings (S65)
0.25%	-	-	Roth IRA Savings (S66)
0.25%	-	-	SEP IRA Savings (S67)
0.25%	-	-	Education IRA Savings (S68)
0.25%	-	-	Roth Conversion (S69)
0.15%	-	-	Regular Share Savings (S1) (S10)
0.15%	-	-	Visa Secured Account (S50)
0.15%	-	-	Dollar Dog Account (S12)

Credit Union 1 Money Market Rates

	Apy	Min	Max	Product
	0.15%	$2,500	-	Money Market Savings Account (S20)

Credit Union 1 CD Rates

Apy	Min	Max	Product
1.80%	$100k	-	5 Year Share Certificate
1.65%	$100k	-	4 Year Share Certificate
1.40%	$100k	-	3 Year Share Certificate
1.15%	$100k	-	2.5 Year Share Certificate
1.10%	$100k	-	2 Year Share Certificate
0.95%	$100k	-	1.5 Year Share Certificate
0.80%	$100k	-	1 Year Share Certificate
0.35%	$100k	-	6 Month Share Certificate
0.20%	$100k	-	3 Month Share Certificate
0.15%	$100k	-	1 Month Share Certificate

Credit Union 1 IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year IRA Certificate
1.75%	$500	-	5 Year Roth IRA Certificate
1.75%	$500	-	5 Year SEP IRA Certificate
1.75%	$500	-	5 Year Roth Conversion IRA Certificate
1.75%	$500	-	5 Year Educational IRA Certificate
1.60%	$500	-	4 Year IRA Certificate
1.60%	$500	-	4 Year Roth IRA Certificate
1.60%	$500	-	4 Year SEP IRA Certificate
1.60%	$500	-	4 Year Roth Conversion IRA Certificate
1.60%	$500	-	4 Year Educational IRA Certificate
1.35%	$500	-	3 Year IRA Certificate
1.35%	$500	-	3 Year Roth IRA Certificate
1.35%	$500	-	3 Year SEP IRA Certificate
1.35%	$500	-	3 Year Roth Conversion IRA Certificate
1.35%	$500	-	3 Year Educational IRA Certificate
1.05%	$500	-	2 Year IRA Certificate
1.05%	$500	-	2 Year Roth IRA Certificate
1.05%	$500	-	2 Year SEP IRA Certificate
1.05%	$500	-	2 Year Roth Conversion IRA Certificate
1.05%	$500	-	2 Year Educational IRA Certificate
0.75%	$500	-	1 Year IRA Certificate
0.75%	$500	-	1 Year Roth IRA Certificate
0.75%	$500	-	1 Year SEP IRA Certificate
0.75%	$500	-	1 Year Roth Conversion IRA Certificate
0.75%	$500	-	1 Year Educational IRA Certificate

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

CREDIT UNION 1
NCUA #	66157
BankRate Report	View
Year Chartered	1982
Employees	297
Primary Regulator
Assets and Liabilities
Assets	$850.26 million
Loans	$567.48 million
Deposits	$745.75 million
Equity Capital	$92.03 million
Loan Loss Allowance	$4.94 million
Unbacked Noncurrent Loans	$2.88 million
Real Estate Owned	$43,000
Historic Data - December 2011
Assets	$787.83 million
Equity Capital	$85.51 million
Loan Loss Allowance	$4.51 million
Unbacked Noncurrent Loans	$2.38 million
Real Estate Owned	$40,000
Profit Margin - Quarterly
Net Interest Margin	4.62%
Return on Assets	0.87%
Return on Equity	8.04%
Interest Income	$32.00 million
Non-Interest Income	$18.46 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, 2012 Credit Union 1 had $2.92 million in non-current loans and owned real-estate with $96.97 million in equity and loan loss allowances on hand to cover it. This gives Credit Union 1 a Texas Ratio of 3.01% 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 Credit Union 1 held steady from 2.69% as of December 31, 2011 to 3.01% as of December 31, 2012, resulting in a negative change of 12.02%. This indicates that the balance sheet and financial strength for Credit Union 1 has held steady in recent periods.
Deposit Growth
In the past year, Credit Union 1 has increased its total deposits by $53.91 million, resulting in 7.79% 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 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. Credit Union 1 has $850.26 million in assets with $96.97 million in equity, resulting in a capitalization level of 11.40%, which is above average.