Deere Employees Credit Union

3950 - 38th Avenue
Moline, IL 61265
(800) 338-6739
www.dccu.com

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Deere Employees Credit Union is headquartered in Moline and is the 13^st largest credit union in the state of Illinois. It is also the 386^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 61 employees and 25,878 members. Deere Employees Credit Union has a 5-star health rating.

Deere Employees Credit Union Routing Number: 271186423

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

Deere Employees Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$250	-	Merit Checking Account

Deere Employees Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$100k	-	Ready Reserve Account
0.25%	$5k	-	High Yield Savings Account
0.25%	-	-	Owner Participation Account
0.20%	$25	-	Prime Share Account
0.20%	-	-	Health Savings Account (HSA)
0.20%	-	-	IRA Accumulation Account
0.20%	-	-	IRA Builder Account
0.20%	-	-	Roth IRA Accumulation Account
0.20%	-	-	Roth IRA Builder Account
0.20%	-	-	Coverdell ESA

Deere Employees Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.15%	$100k	-	Money Market Account

Deere Employees Credit Union CD Rates

Apy	Min	Max	Product
0.50%	$500	-	18 Month Share Certificate
0.50%	$500	-	24 Month Share Certificate
0.50%	$500	-	36 Month Share Certificate
0.50%	$500	-	48 Month Share Certificate
0.50%	$500	-	60 Month Share Certificate
0.40%	$500	-	12 Month Share Certificate
0.20%	$500	-	6 Month Share Certificate
0.10%	$5k	-	3 Month Share Certificate

Deere Employees Credit Union IRA Rates

Apy	Min	Max	Product
0.50%	$500	-	18 Month IRA Certificate
0.50%	$500	-	24 Month IRA Certificate
0.50%	$500	-	36 Month IRA Certificate
0.50%	$500	-	48 Month IRA Certificate
0.50%	$500	-	60 Month IRA Certificate
0.50%	$500	-	18 Month Coverdell ESA Certificate
0.50%	$500	-	24 Month Coverdell ESA Certificate
0.50%	$500	-	36 Month Coverdell ESA Certificate
0.50%	$500	-	48 Month Coverdell ESA Certificate
0.50%	$500	-	60 Month Coverdell ESA Certificate
0.50%	$500	-	18 Month Roth IRA Certificate
0.50%	$500	-	24 Month Roth IRA Certificate
0.50%	$500	-	36 Month Roth IRA Certificate
0.50%	$500	-	48 Month Roth IRA Certificate
0.50%	$500	-	60 Month Roth IRA Certificate
0.40%	$500	-	12 Month IRA Certificate
0.40%	$500	-	12 Month Coverdell ESA Certificate
0.40%	$500	-	12 Month Roth IRA Certificate
0.20%	$500	-	6 Month IRA Certificate
0.20%	$500	-	6 Month Coverdell ESA Certificate
0.20%	$500	-	6 Month Roth IRA Certificate
0.10%	$5k	-	3 Month IRA Certificate
0.10%	$5k	-	3 Month Coverdell ESA Certificate
0.10%	$5k	-	3 Month Roth IRA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

DEERE EMPLOYEES
NCUA #	68598
BankRate Report	View
Year Chartered	1935
Employees	61
Primary Regulator
Assets and Liabilities
Assets	$515.46 million
Loans	$387.77 million
Deposits	$471.62 million
Equity Capital	$40.77 million
Loan Loss Allowance	$1.91 million
Unbacked Noncurrent Loans	$1.18 million
Historic Data - December 2010
Assets	$471.00 million
Equity Capital	$35.66 million
Loan Loss Allowance	$1.74 million
Unbacked Noncurrent Loans	$1.21 million
Real Estate Owned	$101,000
Profit Margin - Quarterly
Net Interest Margin	3.5%
Return on Assets	0.99%
Return on Equity	12.49%
Interest Income	$16.70 million
Non-Interest Income	$8.44 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 Deere Employees Credit Union had $1.18 million in non-current loans and owned real-estate with $42.68 million in equity and loan loss allowances on hand to cover it. This gives Deere Employees Credit Union a Texas Ratio of 2.76% 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 Deere Employees Credit Union decreased slightly from 3.50% as of December 31, 2010 to 2.76% as of December 31, 2011, resulting in a positive change of 21.12%.This indicates that the balance sheet and financial strength for Deere Employees Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Deere Employees Credit Union has increased its total deposits by $38.72 million, resulting in 8.95% 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 Deere Employees 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. Deere Employees Credit Union has $515.46 million in assets with $42.68 million in equity, resulting in a capitalization level of 8.28%, which is average.

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