Gateway Metro Federal Credit Union

Gateway Metro Federal Credit Union Locations

2693 N Illinois St
Swansea, IL 62226
314-621-4575
www.gmcu.org

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Gateway Metro Federal Credit Union is headquartered in Saint Louis and is the 12^st largest credit union in the state of Missouri. It is also the 963^rd largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 50 employees and 15,867 members. Gateway Metro Federal Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Competitive Long-Term CD Rates in St. Louis at Gateway Metro FCU - 1/11/2012

Gateway Metro Federal Credit Union is offering three competitive long-term CD and IRA CD rates. These are 2.00% APY for 4 years, 2.25% APY for 5 years and 2.50% APY for 6 years. These rates are listed ...

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

Gateway Metro Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
6.02%	-	$1,500	E*Hanced Checking - Qualifying
0.20%	$1,500	-	Priority III
0.10%	$500	-	Priority II

Gateway Metro Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.20%	-	-	HSA 3 Year Certificate
0.90%	-	-	HSA 2 Year Certificate
0.60%	-	-	Health Savings Account
0.60%	-	-	HSA 1 Year Certificate
0.40%	-	-	IRA Contributory
0.15%	$101	-	General Share
0.05%	$25	-	Holiday Club

Gateway Metro Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.55%	$100k	-	Gateway Money Market Fund Account

Gateway Metro Federal Credit Union CD Rates

Apy	Min	Max	Product
2.25%	$1k	-	72 Month Share Certificate
2.25%	$100	-	72 Month Youth Share Certificate
2.00%	$1k	-	60 Month Share Certificate
2.00%	$100	-	60 Month Youth Share Certificate
1.75%	$1k	-	48 Month Share Certificate
1.75%	$100	-	48 Month Youth Share Certificate
1.20%	$1k	-	36 Month Share Certificate
1.20%	$100	-	36 Month Youth Share Certificate
0.90%	$1k	-	24 Month Share Certificate
0.90%	$100	-	24 Month Youth Share Certificate
0.70%	$1k	-	18 Month Share Certificate
0.70%	$100	-	18 Month Youth Share Certificate
0.60%	$1k	-	12 Month Share Certificate
0.60%	$100	-	12 Month Youth Share Certificate
0.35%	$1k	-	6 Month Share Certificate
0.35%	$100	-	6 Month Youth Share Certificate
0.20%	$1k	-	3 Month Share Certificate
0.20%	$100	-	3 Month Youth Share Certificate

Gateway Metro Federal Credit Union IRA Rates

Apy	Min	Max	Product
2.25%	$1k	-	72 Month IRA Share Certificate
2.25%	$1k	-	72 Month Roth IRA Share Certificate
2.25%	$1k	-	72 Month Educational IRA Share Certificate
2.00%	$1k	-	60 Month IRA Share Certificate
2.00%	$1k	-	60 Month Roth IRA Share Certificate
2.00%	$1k	-	60 Month Educational IRA Share Certificate
1.75%	$1k	-	48 Month IRA Share Certificate
1.75%	$1k	-	48 Month Roth IRA Share Certificate
1.75%	$1k	-	48 Month Educational IRA Share Certificate
1.20%	$1k	-	36 Month Roth IRA Share Certificate
1.20%	$1k	-	36 Month IRA Share Certificate
1.20%	$1k	-	36 Month Educational IRA Share Certificate
0.90%	$1k	-	24 Month IRA Share Certificate
0.90%	$1k	-	24 Month Roth IRA Share Certificate
0.90%	$1k	-	24 Month Educational IRA Share Certificate
0.70%	$1k	-	18 Month IRA Share Certificate
0.70%	$1k	-	18 Month Roth IRA Share Certificate
0.70%	$1k	-	18 Month Educational IRA Share Certificate
0.60%	$1k	-	12 Month Roth IRA Share Certificate
0.60%	$1k	-	12 Month IRA Share Certificate
0.60%	$1k	-	12 Month Educational IRA Share Certificate
0.35%	$1k	-	6 Month IRA Share Certificate
0.35%	$1k	-	6 Month Roth IRA Share Certificate
0.35%	$1k	-	6 Month Educational IRA Share Certificate
0.20%	$1k	-	3 Month Roth IRA Share Certificate
0.20%	$1k	-	3 Month IRA Share Certificate
0.20%	$1k	-	3 Month Educational IRA Share Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

GATEWAY METRO
NCUA #	24797
BankRate Report	View
Year Chartered	1935
Employees	50
Primary Regulator
Assets and Liabilities
Assets	$169.52 million
Loans	$112.79 million
Deposits	$153.20 million
Equity Capital	$15.19 million
Loan Loss Allowance	$566,000
Unbacked Noncurrent Loans	$856,000
Real Estate Owned	$806,000
Historic Data - December 2010
Assets	$173.10 million
Equity Capital	$14.83 million
Loan Loss Allowance	$761,000
Unbacked Noncurrent Loans	$1.08 million
Real Estate Owned	$969,000
Profit Margin - Quarterly
Net Interest Margin	3.25%
Return on Assets	0.08%
Return on Equity	0.86%
Interest Income	$6.29 million
Non-Interest Income	$2.53 million

Institution Health

Overall Score:

4 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 Gateway Metro Federal Credit Union had $1.66 million in non-current loans and owned real-estate with $15.76 million in equity and loan loss allowances on hand to cover it. This gives Gateway Metro Federal Credit Union a Texas Ratio of 10.55% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Gateway Metro Federal Credit Union decreased slightly from 13.15% as of December 31, 2010 to 10.55% as of December 31, 2011, resulting in a positive change of 19.79%.This indicates that the balance sheet and financial strength for Gateway Metro Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Gateway Metro Federal Credit Union has decreased its total deposits by -$3.68 million, resulting in -2.34% 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 Gateway Metro Federal Credit Union has shown is below 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. Gateway Metro Federal Credit Union has $169.52 million in assets with $15.76 million in equity, resulting in a capitalization level of 9.29%, which is average.