Hiway Credit Union

111 Empire Drive
Saint Paul, MN 55103
800-899-5626
www.hiway.org

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Hiway Credit Union is headquartered in Saint Paul and is the 4^th largest credit union in the state of Minnesota. It is also the 233^rd largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 164 employees and 58,649 members. Hiway Credit Union has a 3-star health rating.

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

Hiway Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	-	-	Checking Account
0.10%	-	-	Benefits Plus® Checking
0.10%	-	-	HSA Checking

Hiway Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	-	-	IRA Savings
0.40%	-	-	Coverdell Education Savings Account
0.20%	$2k	-	Share Savings Account
0.20%	$2k	-	Second Savings Account
0.20%	-	-	Health Savings Account

Hiway Credit Union Money Market Rates

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

Hiway Credit Union CD Rates

Apy	Min	Max	Product
2.20%	$25k	-	60 Month CD
1.90%	$25k	-	48 – 59 Month CD
1.60%	$25k	-	36 – 47 Month CD
1.10%	$25k	-	24 – 35 Month CD
1.10%	$25k	-	24 Month Step Up CD
0.90%	$25k	-	12 – 23 Month CD
0.65%	$25k	-	6 Month CD
0.60%	$25	-	12 Month Certificate Builder
0.35%	$25k	-	3 Month CD
0.35%	$25	-	6 Month Certificate Builder

Hiway Credit Union IRA Rates

Apy	Min	Max	Product
2.20%	$25k	-	60 Month IRA
2.20%	$25k	-	60 Month Roth IRA
2.20%	$25k	-	60 Month CESA
1.90%	$25k	-	48 – 59 Month IRA
1.90%	$25k	-	48 – 59 Month Roth IRA
1.90%	$25k	-	48 – 59 Month CESA
1.60%	$25k	-	36 – 47 Month IRA
1.60%	$25k	-	36 – 47 Month Roth IRA
1.60%	$25k	-	36 – 47 Month CESA
1.10%	$25k	-	24 – 35 Month IRA
1.10%	$25k	-	24 Month Step Up IRA
1.10%	$25k	-	24 – 35 Month Roth IRA
1.10%	$25k	-	24 Month Step Roth IRA
1.10%	$25k	-	24 – 35 Month CESA
1.10%	$25k	-	24 Month Step CESA
0.90%	$25k	-	12 – 23 Month IRA
0.90%	$25k	-	12 – 23 Month Roth IRA
0.90%	$25k	-	12 – 23 Month CESA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

HIWAY
NCUA #	24360
BankRate Report	View
Year Chartered	1934
Employees	164
Primary Regulator
Assets and Liabilities
Assets	$824.23 million
Loans	$553.12 million
Deposits	$746.55 million
Equity Capital	$70.80 million
Loan Loss Allowance	$13.03 million
Unbacked Noncurrent Loans	$14.92 million
Real Estate Owned	$1.06 million
Historic Data - December 2010
Assets	$828.47 million
Equity Capital	$67.08 million
Loan Loss Allowance	$12.69 million
Unbacked Noncurrent Loans	$17.19 million
Real Estate Owned	$2.52 million
Profit Margin - Quarterly
Net Interest Margin	4.2%
Return on Assets	0.55%
Return on Equity	6.38%
Interest Income	$33.94 million
Non-Interest Income	$9.20 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 Hiway Credit Union had $15.98 million in non-current loans and owned real-estate with $83.83 million in equity and loan loss allowances on hand to cover it. This gives Hiway Credit Union a Texas Ratio of 19.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Hiway Credit Union decreased slightly from 24.70% as of December 31, 2010 to 19.06% as of December 31, 2011, resulting in a positive change of 22.83%.This indicates that the balance sheet and financial strength for Hiway Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Hiway Credit Union has decreased its total deposits by -$9.85 million, resulting in -1.3% 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 Hiway 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. Hiway Credit Union has $824.23 million in assets with $83.83 million in equity, resulting in a capitalization level of 10.17%, which is above average.

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