Infinity Credit Union

202 Larrabee Road
Westbrook, ME 04092
1-800-499-8401
www.infinityfcu.com

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Infinity Credit Union is headquartered in Portland and is the 2^nd largest credit union in the state of Maine. It is also the 713^st largest credit union in the nation. It was established in 1976 and as of December of 2012, it had grown to 59 employees and 14,390 members. Infinity Credit Union has a 5-star health rating.

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

Infinity Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.13%	$50k	-	Prime Advantage Checking Account

Infinity Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	IRA Savings Account
0.20%	-	-	Roth IRA Savings Account
0.20%	-	-	Education IRA Savings Account
0.20%	-	-	Roth Conversion IRA Savings Account
0.10%	-	-	Holiday Club Account
0.10%	-	-	Vacation Club Account
0.10%	-	-	Mortgage Club Account
0.10%	-	-	Tax Club Account
0.10%	-	-	Insurance Club Account
0.10%	-	-	All Purpose Club Account
0.08%	$1k	-	Regular Share Savings Account

Infinity Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$250k	-	Premier Money Market Account
0.20%	$250k	-	Premier IRA Money Market Account
0.20%	$250k	-	Premier Roth IRA Money Market Account
0.20%	$250k	-	Premier Education IRA Money Market Account
0.13%	$50k	-	Money Market Account

Infinity Credit Union CD Rates

Apy	Min	Max	Product
1.61%	$95k	$200k	10 Year Jumbo Share Certificate
1.51%	$500	-	10 Year Share Certificate
1.26%	$200k	-	5 Year Super Jumbo Share Certificate
1.21%	$95k	$200k	7 Year Jumbo Share Certificate
1.16%	$95k	$200k	5 Year Jumbo Share Certificate
1.11%	$500	-	7 Year Share Certificate
1.11%	$200k	-	3 Year Super Jumbo Share Certificate
1.06%	$500	-	5 Year Share Certificate
1.06%	$200k	-	2 Year Super Jumbo Share Certificate
1.06%	$95k	$200k	3 Year Jumbo Share Certificate
1.01%	$500	-	3 Year Share Certificate
0.85%	$95k	$200k	2 Year Jumbo Share Certificate
0.80%	$500	-	2 Year Share Certificate
0.75%	$200k	-	18 Month No Lose Super Jumbo CD
0.65%	$95k	$200k	18 Month No Lose Jumbo CD
0.60%	$500	-	18 Month No Lose CD
0.60%	$200k	-	1 Year Super Jumbo Share Certificate
0.60%	$200k	-	15 Month Super Jumbo Share Certificate
0.55%	$95k	$200k	1 Year Jumbo Share Certificate
0.55%	$95k	$200k	15 Month Jumbo Share Certificate
0.55%	$200k	-	9 Month Super Jumbo Share Certificate
0.50%	$500	-	1 Year Share Certificate
0.50%	$500	-	15 Month Share Certificate
0.50%	$95k	$200k	9 Month Jumbo Share Certificate
0.50%	$200k	-	8 Month No Penalty Super Jumbo Share Certificate
0.50%	$10k	-	Step Up CD
0.45%	$95k	$200k	8 Month No Penalty Jumbo Share Certificate
0.40%	$500	-	9 Month Share Certificate
0.35%	$500	-	8 Month No Penalty Share Certificate
0.30%	$200k	-	5 Month No Penalty Super Jumbo Share Certificate
0.25%	$95k	$200k	6 Month Jumbo Share Certificate
0.20%	$500	-	6 Month Share Certificate
0.20%	$95k	$200k	5 Month No Penalty Jumbo Share Certificate
0.15%	$500	-	5 Month No Penalty Share Certificate
0.10%	$500	-	3 Month Share Certificate

Infinity Credit Union IRA Rates

Apy	Min	Max	Product
1.51%	-	-	10 Year IRA Share Certificate
1.51%	-	-	10 Year Education IRA Share Certificate
1.51%	-	-	10 Year Roth IRA Share Certificate
1.11%	-	-	7 Year IRA Share Certificate
1.11%	-	-	7 Year Education IRA Share Certificate
1.11%	-	-	7 Year Roth IRA Share Certificate
1.06%	-	-	5 Year IRA Share Certificate
1.06%	-	-	5 Year Education IRA Share Certificate
1.06%	-	-	5 Year Roth IRA Share Certificate
1.01%	-	-	3 Year IRA Share Certificate
1.01%	-	-	3 Year Education IRA Share Certificate
1.01%	-	-	3 Year Roth IRA Share Certificate
0.60%	-	-	18 Month No Lose IRA CD
0.60%	-	-	18 Month No Lose Education IRA CD
0.60%	-	-	18 Month No Lose Roth IRA CD
0.50%	-	-	15 Month IRA Share Certificate
0.50%	-	-	15 Month Education IRA Share Certificate
0.50%	-	-	15 Month Roth IRA Share Certificate
0.40%	-	-	9 Month IRA Share Certificate
0.40%	-	-	9 Month Education IRA Share Certificate
0.40%	-	-	9 Month Roth IRA Share Certificate
0.35%	-	-	8 Month No Penalty IRA Share Certificate
0.35%	-	-	8 Month No Penalty Education IRA Share Certificate
0.35%	-	-	8 Month No Penalty Roth IRA Share Certificate
0.15%	-	-	5 Month No Penalty IRA Share Certificate
0.15%	-	-	5 Month No Penalty Education IRA Share Certificate
0.15%	-	-	5 Month No Penalty Roth IRA Share Certificate

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

INFINITY
NCUA #	24173
BankRate Report	View
Year Chartered	1976
Employees	59
Primary Regulator
Assets and Liabilities
Assets	$271.97 million
Loans	$167.49 million
Deposits	$169.17 million
Equity Capital	$28.65 million
Loan Loss Allowance	$1.24 million
Unbacked Noncurrent Loans	$1.27 million
Real Estate Owned	$370,000
Historic Data - December 2011
Assets	$274.65 million
Equity Capital	$27.13 million
Loan Loss Allowance	$1.06 million
Unbacked Noncurrent Loans	$982,000
Real Estate Owned	$350,000
Profit Margin - Quarterly
Net Interest Margin	3.35%
Return on Assets	0.74%
Return on Equity	6.99%
Interest Income	$9.49 million
Non-Interest Income	$3.48 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, 2012 Infinity Credit Union had $1.64 million in non-current loans and owned real-estate with $29.89 million in equity and loan loss allowances on hand to cover it. This gives Infinity Credit Union a Texas Ratio of 5.47% 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 Infinity Credit Union held steady from 4.73% as of December 31, 2011 to 5.47% as of December 31, 2012, resulting in a negative change of 15.75%. This indicates that the balance sheet and financial strength for Infinity Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Infinity Credit Union has increased its total deposits by $2.06 million, resulting in 1.23% 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 Infinity 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. Infinity Credit Union has $271.97 million in assets with $29.89 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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