Insight Financial Credit Union

Insight Financial Credit Union Locations
206 Hillcrest Street
Orlando, FL 32801
888.843.8328
www.insightfinancialcu.com

Insight Financial Credit Union is headquartered in ORLANDO and is the 23rd largest credit union in the state of Florida. It is also the 443rd largest credit union in the nation. It was established in 1991 and as of September of 2011, it had grown to 143 employees and 53,309 members. Insight Financial Credit Union has a 4-star health rating.

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2.25% 15-Month CD at Insight Financial Credit Union in Central Florida - Local Only - 8/24/2009

Insight Financial Credit Union is offering a special 2.25% APY 15-month CD. Minimum deposit is $1,000, and new money is required. Early withdrawal penalty is 60 days of interest. After the 15-month term, the money will be deposited into your Insight...

2.50% Reward Checking Account at Insight Financial Credit Union in Florida - 3/31/2009

Update 11/09/09: The top rate has increased to 2.50% APY.Insight Financial Credit Union has a reward checking account called Incentive Checking. The account offers the following features if certain monthly requirements are met:2.50% APY on balances up to...



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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
0.20%$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
0.25%$100-IRA Savings
0.25%$100-Roth IRA Savings
0.25%$100-CESA Savings
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: 2/11/2012

Data for Q3 2011


Institution Statistics


INSIGHT
NCUA #67344
BankRate ReportView
Year Established1991
Employees143
Primary Regulator

Assets and Liabilities

Assets$438.95 million
Loans$306.33 million
Deposits$390.07 million
Equity Capital$44.43 million
Loan Loss Allowance$7.61 million
Unbacked Noncurrent Loans$5.28 million
Real Estate Owned$217,000

Historic Data - September 2010

Assets$463.36 million
Equity Capital$43.60 million
Loan Loss Allowance$5.72 million
Unbacked Noncurrent Loans$7.87 million

Profit Margin - Quarterly

Net Interest Margin4.75%
Return on Assets0.27%
Return on Equity2.69%
Interest Income$15.62 million
Non-Interest Income$6.90 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 September 30, 2011 Insight Financial Credit Union had $5.49 million in non-current loans and owned real-estate with $52.04 million in equity and loan loss allowances on hand to cover it. This gives Insight Financial 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 Trend4
The Texas Ratio for Insight Financial Credit Union decreased slightly from 15.96% as of September 30, 2010 to 10.55% as of September 30, 2011, resulting in a positive change of 33.86%.This indicates that the balance sheet and financial strength for Insight Financial Credit Union has improved slightly in recent periods.
Deposit Growth1
In the past year, Insight Financial Credit Union has decreased its total deposits by -$23.69 million, resulting in -5.73% 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 poor.
Capitalization4
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 $438.95 million in assets with $52.04 million in equity, resulting in a capitalization level of 11.86%, which is above average.
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