Eglin Credit Union

838 Eglin Parkway NE
Fort Walton Bea, FL 32547
1-800-367-6159
www.eglinfcu.org

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Eglin Credit Union is headquartered in Fort Walton Bea and is the 8^th largest credit union in the state of Florida. It is also the 112^st largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 280 employees and 109,962 members. Eglin Credit Union's savings rates are 94% 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

Eglin Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	Share Checking Account

Eglin Credit Union Savings Account Rates

Apy	Min	Max	Product
1.01%	$50	-	Roth IRA Share Savings
1.01%	-	-	IRA Share Savings
0.20%	$50	-	Regular Share Savings
0.20%	$50	-	Christmas Club Savings
0.20%	$50	-	VIP Savings
0.20%	$50	-	Education Savings

Eglin Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$2,500	-	Money Market Account

Eglin Credit Union CD Rates

Apy	Min	Max	Product
0.80%	$2,500	-	12 Month Share Certificate
0.80%	$2,500	-	18 Month Share Certificate
0.80%	$2,500	-	24 Month Share Certificate
0.80%	$2,500	-	30 Month Share Certificate
0.60%	$2,500	-	6 Month Share Certificate
0.40%	$2,500	-	1 Month Share Certificate
0.40%	$2,500	-	3 Month Share Certificate

Eglin Credit Union IRA Rates

Apy	Min	Max	Product
0.80%	$2,500	-	12 Month IRA Certificate
0.80%	$2,500	-	18 Month IRA Certificate
0.80%	$2,500	-	24 Month IRA Certificate
0.80%	$2,500	-	30 Month IRA Certificate
0.80%	$2,500	-	12 Month Roth IRA Certificate
0.80%	$2,500	-	18 Month Roth IRA Certificate
0.80%	$2,500	-	24 Month Roth IRA Certificate
0.80%	$2,500	-	30 Month Roth IRA Certificate
0.80%	$2,500	-	12 Month Education IRA
0.80%	$2,500	-	18 Month Education IRA
0.80%	$2,500	-	24 Month Education IRA
0.80%	$2,500	-	30 Month Education IRA
0.60%	$2,500	-	6 Month IRA Certificate
0.60%	$2,500	-	6 Month Roth IRA Certificate
0.60%	$2,500	-	6 Month Education IRA
0.40%	$2,500	-	1 Month IRA Certificate
0.40%	$2,500	-	3 Month IRA Certificate
0.40%	$2,500	-	1 Month Roth IRA Certificate
0.40%	$2,500	-	3 Month Roth IRA Certificate
0.40%	$2,500	-	1 Month Education IRA
0.40%	$2,500	-	3 Month Education IRA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

EGLIN
NCUA #	9788
BankRate Report	View
Year Chartered	1954
Employees	280
Primary Regulator
Assets and Liabilities
Assets	$1.41 billion
Loans	$560.66 million
Deposits	$1.24 billion
Equity Capital	$155.64 million
Loan Loss Allowance	$6.36 million
Unbacked Noncurrent Loans	$3.11 million
Real Estate Owned	$25,000
Historic Data - December 2010
Assets	$1.31 billion
Equity Capital	$151.71 million
Loan Loss Allowance	$6.21 million
Unbacked Noncurrent Loans	$3.12 million
Real Estate Owned	$46,000
Profit Margin - Quarterly
Net Interest Margin	5.04%
Return on Assets	0.5%
Return on Equity	4.49%
Interest Income	$37.00 million
Non-Interest Income	$12.49 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 Eglin Credit Union had $3.13 million in non-current loans and owned real-estate with $162 million in equity and loan loss allowances on hand to cover it. This gives Eglin Credit Union a Texas Ratio of 1.93% 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 Eglin Credit Union held steady from 2.00% as of December 31, 2010 to 1.93% as of December 31, 2011, resulting in a positive change of 3.56%.This indicates that the balance sheet and financial strength for Eglin Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Eglin Credit Union has increased its total deposits by $88.01 million, resulting in 7.65% 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 Eglin 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. Eglin Credit Union has $1.41 billion in assets with $162 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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