Iaa Credit Union

Po Box 2901
Bloomington, IL 617022901
309.557.2541
www.iaacu.org

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Iaa Credit Union is headquartered in BLOOMINGTON and is the 33^rd largest credit union in the state of Illinois. It is also the 942^nd largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 37 employees and 14,275 members. Iaa Credit Union's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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

Iaa Credit Union Savings Account Rates

Apy	Min	Max	Product
1.00%	-	$3k	Christmas Club Account
1.00%	-	$3k	Vacation Club Account
0.20%	-	-	HSA Money Market Account
0.20%	-	-	Share Savings Account

Iaa Credit Union Money Market Rates

Apy	Min	Max	Product
0.50%	$50k	-	High Yield Money Market Account
0.50%	-	-	IRA Money Market Account
0.40%	$2,500	-	Money Market Account

Iaa Credit Union CD Rates

Apy	Min	Max	Product
1.87%	$1k	-	60 Month Certificate
1.87%	$500	-	60 Month Youth Certificate
1.56%	$1k	-	48 Month Certificate
1.56%	$500	-	48 Month Youth Certificate
1.31%	$1k	-	45 Month Certificate
1.31%	$500	-	45 Month Youth Certificate
1.01%	$1k	-	36 Month Certificate
1.01%	$500	-	36 Month Youth Certificate
0.95%	$1k	-	30 Month Certificate
0.95%	$500	-	30 Month Youth Certificate
0.85%	$1k	-	24 Month Certificate
0.85%	$500	-	24 Month Youth Certificate
0.70%	$1k	-	18 Month Certificate
0.70%	$500	-	18 Month Youth Certificate
0.50%	$1k	-	12 Month Certificate
0.50%	$500	-	12 Month Youth Certificate
0.35%	$1k	-	6 Month Certificate
0.35%	$500	-	6 Month Youth Certificate

Iaa Credit Union IRA Rates

Apy	Min	Max	Product
1.87%	$2k	-	60 Month IRA Certificate
1.87%	$2k	-	60 Month Roth IRA Certificate
1.87%	$500	-	60 Month Education IRA Certificate
1.56%	$2k	-	48 Month IRA Certificate
1.56%	$2k	-	48 Month Roth IRA Certificate
1.56%	$500	-	48 Month Education IRA Certificate
1.31%	$2k	-	45 Month IRA Certificate
1.31%	$2k	-	45 Month Roth IRA Certificate
1.31%	$500	-	45 Month Education IRA Certificate
1.01%	$2k	-	36 Month IRA Certificate
1.01%	$2k	-	36 Month Roth IRA Certificate
1.01%	$500	-	36 Month Education IRA Certificate
0.95%	$2k	-	30 Month IRA Certificate
0.95%	$2k	-	30 Month Roth IRA Certificate
0.95%	$500	-	30 Month Education IRA Certificate
0.85%	$2k	-	24 Month IRA Certificate
0.85%	$2k	-	24 Month Roth IRA Certificate
0.85%	$500	-	24 Month Education IRA Certificate
0.70%	$2k	-	18 Month IRA Certificate
0.70%	$2k	-	18 Month Roth IRA Certificate
0.70%	$500	-	18 Month Education IRA Certificate
0.50%	$2k	-	12 Month IRA Certificate
0.50%	$2k	-	12 Month Roth IRA Certificate
0.50%	$500	-	12 Month Education IRA Certificate
0.35%	$2k	-	6 Month IRA Certificate
0.35%	$2k	-	6 Month Roth IRA Certificate
0.35%	$500	-	6 Month Education IRA Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

IAA
NCUA #	68423
BankRate Report	View
Year Chartered	1951
Employees	37
Primary Regulator
Assets and Liabilities
Assets	$175.56 million
Loans	$111.35 million
Deposits	$158.62 million
Equity Capital	$15.60 million
Loan Loss Allowance	$536,000
Unbacked Noncurrent Loans	$411,000
Historic Data - December 2010
Assets	$166.84 million
Equity Capital	$13.91 million
Loan Loss Allowance	$476,000
Unbacked Noncurrent Loans	$506,000
Profit Margin - Quarterly
Net Interest Margin	3.73%
Return on Assets	0.82%
Return on Equity	9.26%
Interest Income	$6.11 million
Non-Interest Income	$1.29 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 Iaa Credit Union had $411,000 in non-current loans and owned real-estate with $16.14 million in equity and loan loss allowances on hand to cover it. This gives Iaa Credit Union a Texas Ratio of 2.55% 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 Iaa Credit Union decreased slightly from 3.52% as of December 31, 2010 to 2.55% as of December 31, 2011, resulting in a positive change of 27.56%.This indicates that the balance sheet and financial strength for Iaa Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Iaa Credit Union has increased its total deposits by $7.09 million, resulting in 4.68% 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 Iaa Credit Union has shown is above 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. Iaa Credit Union has $175.56 million in assets with $16.14 million in equity, resulting in a capitalization level of 9.19%, which is average.

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