2.5 star ratingAverage User Rating:
2.5 star rating based on 2 reviews.

Insight Financial Credit Union

Insight Financial Credit Union Locations
480 S Keller RD
Orlando, FL 32810
407-426-6000 ext. 11100
www.insightcreditunion.com

NCUA

Insight Financial Credit Union is headquartered in Orlando and is the 25th largest credit union in the state of Florida. It is also the 461st largest credit union in the nation. It was established in 1991 and as of March of 2013, it had grown to 160 employees and 54,008 members. Insight Financial Credit Union has a 4-star health rating.

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

Insight Financial Credit Union Checking Account Rates

ApyMinMaxProduct
1.25%-$15kIncentive Checking
0.15%$1k-Interest Checking
0.15%$1k-Seniority Status Checking

Insight Financial Credit Union Savings Account Rates

ApyMinMaxProduct
0.30%--Grow Green Savings
0.25%$100-IRA Savings
0.25%$100-Roth IRA Savings
0.25%$100-CESA Savings
0.20%$100-Regular Share

Insight Financial Credit Union Money Market Rates

ApyMinMaxProduct
0.30%$100k-Money Market Account

Insight Financial Credit Union CD Rates

ApyMinMaxProduct
1.45%$1m-60 Month Millionaire Certificate
1.35%$100k-60 Month Jumbo Certificate
1.25%$5k-60 Month Regular Certificate
1.00%$1m-48 Month Millionaire Certificate
0.90%$100k-48 Month Jumbo Certificate
0.80%$1k-48 Month Regular Certificate
0.70%$1m-36 Month Millionaire Certificate
0.60%$100k-36 Month Jumbo Certificate
0.60%$1m-24 Month Millionaire Certificate
0.50%$1k-36 Month Regular Certificate
0.50%$100k-24 Month Jumbo Certificate
0.50%$1m-12 Month Millionaire Certificate
0.40%$1k-24 Month Regular Certificate
0.40%$100k-12 Month Jumbo Certificate
0.40%$1m-6 Month Millionaire Certificate
0.30%$1k-12 Month Regular Certificate
0.30%$100k-6 Month Jumbo Certificate
0.30%$1m-3 Month Millionaire Certificate
0.20%$1k-6 Month Regular Certificate
0.20%$100k-3 Month Jumbo Certificate
0.10%$1k-3 Month Regular Certificate

Insight Financial Credit Union IRA Rates

ApyMinMaxProduct
1.45%$1m-60 Month Millionaire IRA Certificate
1.45%$1m-60 Month Millionaire Roth IRA Certificate
1.45%$1m-60 Month Millionaire CESA Certificate
1.35%$100k-60 Month Jumbo IRA Certificate
1.35%$100k-60 Month Jumbo Roth IRA Certificate
1.35%$100k-60 Month Jumbo CESA Certificate
1.25%$1k-60 Month Regular IRA Certificate
1.25%$1k-60 Month Regular Roth IRA Certificate
1.25%$1k-60 Month Regular CESA Certificate
1.00%$1m-48 Month Millionaire IRA Certificate
1.00%$1m-48 Month Millionaire Roth IRA Certificate
1.00%$1m-48 Month Millionaire CESA Certificate
0.90%$100k-48 Month Jumbo IRA Certificate
0.90%$100k-48 Month Jumbo Roth IRA Certificate
0.90%$100k-48 Month Jumbo CESA Certificate
0.80%$1k-48 Month Regular IRA Certificate
0.80%$1k-48 Month Regular Roth IRA Certificate
0.80%$1k-48 Month Regular CESA Certificate
0.70%$1m-36 Month Millionaire IRA Certificate
0.70%$1m-36 Month Millionaire Roth IRA Certificate
0.70%$1m-36 Month Millionaire CESA Certificate
0.60%$1m-24 Month Millionaire IRA Certificate
0.60%$100k-36 Month Jumbo IRA Certificate
0.60%$1m-24 Month Millionaire Roth IRA Certificate
0.60%$100k-36 Month Jumbo Roth IRA Certificate
0.60%$1m-24 Month Millionaire CESA Certificate
0.60%$100k-36 Month Jumbo CESA Certificate
0.50%$1m-12 Month Millionaire IRA Certificate
0.50%$100k-24 Month Jumbo IRA Certificate
0.50%$1k-36 Month Regular IRA Certificate
0.50%$1m-12 Month Millionaire Roth IRA Certificate
0.50%$100k-24 Month Jumbo Roth IRA Certificate
0.50%$1k-36 Month Regular Roth IRA Certificate
0.50%$1m-12 Month Millionaire CESA Certificate
0.50%$100k-24 Month Jumbo CESA Certificate
0.50%$1k-36 Month Regular CESA Certificate
0.40%$1m-6 Month Millionaire IRA Certificate
0.40%$100k-12 Month Jumbo IRA Certificate
0.40%$1k-24 Month Regular IRA Certificate
0.40%$1m-6 Month Millionaire Roth IRA Certificate
0.40%$100k-12 Month Jumbo Roth IRA Certificate
0.40%$1k-24 Month Regular Roth IRA Certificate
0.40%$1m-6 Month Millionaire CESA Certificate
0.40%$100k-12 Month Jumbo CESA Certificate
0.40%$1k-24 Month Regular CESA Certificate
0.30%$1m-3 Month Millionaire IRA Certificate
0.30%$100k-6 Month Jumbo IRA Certificate
0.30%$1k-12 Month Regular IRA Certificate
0.30%$1m-3 Month Millionaire Roth IRA Certificate
0.30%$100k-6 Month Jumbo Roth IRA Certificate
0.30%$1k-12 Month Regular Roth IRA Certificate
0.30%$1m-3 Month Millionaire CESA Certificate
0.30%$100k-6 Month Jumbo CESA Certificate
0.30%$1k-12 Month Regular CESA Certificate
0.20%$100k-3 Month Jumbo IRA Certificate
0.20%$1k-6 Month Regular IRA Certificate
0.20%$100k-3 Month Jumbo Roth IRA Certificate
0.20%$1k-6 Month Regular Roth IRA Certificate
0.20%$100k-3 Month Jumbo CESA Certificate
0.20%$1k-6 Month Regular CESA Certificate
0.10%$1k-3 Month Regular IRA Certificate
0.10%$1k-3 Month Regular Roth IRA Certificate
0.10%$1k-3 Month Regular CESA Certificate

Rates updated: 6/18/2013

Data for Q1 2013


Institution Statistics


INSIGHT
NCUA #67344
BankRate ReportView
Year Chartered1991
Employees160
Primary Regulator

Assets and Liabilities

Assets$469.00 million
Loans$289.14 million
Deposits$416.49 million
Equity Capital$49.40 million
Loan Loss Allowance$7.46 million
Unbacked Noncurrent Loans$5.37 million
Real Estate Owned$311,000

Historic Data - March 2012

Assets$457.02 million
Equity Capital$46.19 million
Loan Loss Allowance$7.87 million
Unbacked Noncurrent Loans$5.50 million
Real Estate Owned$550,000

Profit Margin - Quarterly

Net Interest Margin1.44%
Return on Assets0.65%
Return on Equity6.15%
Interest Income$4.60 million
Non-Interest Income$2.13 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 March 31, 2013 Insight Financial Credit Union had $5.68 million in non-current loans and owned real-estate with $56.86 million in equity and loan loss allowances on hand to cover it. This gives Insight Financial Credit Union a Texas Ratio of 9.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Insight Financial Credit Union held steady from 11.18% as of March 31, 2012 to 9.98% as of March 31, 2013, resulting in a positive change of 10.73%.This indicates that the balance sheet and financial strength for Insight Financial Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, Insight Financial Credit Union has increased its total deposits by $11.44 million, resulting in 2.82% 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 Insight Financial Credit Union has shown is above average.
Capitalization5
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. Insight Financial Credit Union has $469 million in assets with $56.86 million in equity, resulting in a capitalization level of 12.12%, which is excellent.
Write Review

Worst Credit Union
1 stars - Anonymous - Friday, May 18, 2012 - 12:01 PM

This is the worst credit union I have ever dealt with. Beware of "hidden fees". I was charged $58 on my savings account because of a "low balance" in the account. Never received any information when I opened my account about this fee. Stay away and find another credit union that does not nickel and dime you to death!

1

Wonderful Credit Union
4 stars - Anonymous - Friday, April 13, 2012 - 4:20 PM

A wide range of products to choose from. When I have had to call or go into any one of their branches they have always been helpful and knowledgeable. I would recommend them to my friends and family and anyone that is looking for a new bank. I was so tired of paying all of the fees that my bank was charging me. Now when I make a deposit the credit goes in immediately and I don't get all those fees!!

1
 
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