Average User Rating:
1 star rating based on 1 review.

InTouch Credit Union

5640 Democracy Drive
Plano, TX 75024
(214)291-1776
www.itcu.org

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InTouch Credit Union is headquartered in Plano and is the 16^st largest credit union in the state of Texas. It is also the 222^nd largest credit union in the nation. It was established in 1974 and as of September of 2011, it had grown to 208 employees and 76,870 members. InTouch Credit Union has a 5-star health rating.

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

InTouch Credit Union Checking Account Rates

Apy	Min	Max	Product
0.75%	$100	-	HSA Checking
0.20%	$35k	-	Advantage Checking
0.20%	$50k	-	Premium Business Checking
0.15%	$5k	-	Plus Business Checking
0.05%	$2,500	-	Regular Checking
0.05%	-	-	Regular Business Checking

InTouch Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Youth/Young Adult Savings
0.25%	-	-	IRA Savings
0.25%	-	$10k	Holiday Club Savings
0.25%	$100	-	Non-Profit Savings
0.25%	-	-	Roth IRA Savings
0.25%	-	-	CESA Savings
0.05%	-	-	Regular Savings
0.05%	$25	-	Business Regular Savings
0.00%	-	-	Business Par Share Savings

InTouch Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Fund Savings

InTouch Credit Union CD Rates

Apy	Min	Max	Product
1.65%	$95k	-	60 Month Jumbo CD
1.60%	$1k	$95k	60 Month CD
1.15%	$95k	-	48 Month Jumbo CD
1.10%	$1k	$95k	48 Month CD
0.90%	$95k	-	36 Month Jumbo CD
0.85%	$1k	$95k	36 Month CD
0.65%	$95k	-	30 Month Jumbo CD
0.60%	$1k	$95k	30 Month CD
0.55%	$95k	-	24 Month Jumbo CD
0.50%	$1k	$95k	24 Month CD
0.50%	$95k	-	18 Month Jumbo CD
0.50%	$250	-	Youth/Young Adult 12-Month Certificate
0.45%	$1k	$95k	18 Month CD
0.45%	$95k	-	12 Month Jumbo CD
0.40%	$1k	$95k	12 Month CD
0.30%	$95k	-	6 Month Jumbo CD
0.25%	$1k	$95k	6 Month CD
0.20%	$95k	-	3 Month Jumbo CD
0.15%	$1k	$95k	3 Month CD

InTouch Credit Union IRA Rates

Apy	Min	Max	Product
1.65%	$95k	-	60 Month Jumbo IRA
1.65%	$95k	-	60 Month Jumbo Roth IRA
1.65%	$95k	-	60 Month Jumbo CESA
1.60%	$1k	$95k	60 Month IRA
1.60%	$1k	$95k	60 Month Roth IRA
1.60%	$1k	$95k	60 Month CESA
1.15%	$95k	-	48 Month Jumbo IRA
1.15%	$95k	-	48 Month Jumbo Roth IRA
1.15%	$95k	-	48 Month Jumbo CESA
1.10%	$1k	$95k	48 Month IRA
1.10%	$1k	$95k	48 Month Roth IRA
1.10%	$1k	$95k	48 Month CESA
0.90%	$95k	-	36 Month Jumbo IRA
0.90%	$95k	-	36 Month Jumbo Roth IRA
0.90%	$95k	-	36 Month Jumbo CESA
0.85%	$1k	$95k	36 Month IRA
0.85%	$1k	$95k	36 Month Roth Roth IRA
0.85%	$1k	$95k	36 Month CESA
0.65%	$95k	-	30 Month Jumbo IRA
0.65%	$95k	-	30 Month Jumbo Roth IRA
0.65%	$95k	-	30 Month Jumbo CESA
0.60%	$1k	$95k	30 Month IRA
0.60%	$1k	$95k	30 Month Roth IRA
0.60%	$1k	$95k	30 Month CESA
0.55%	$95k	-	24 Month Jumbo IRA
0.55%	$95k	-	24 Month Jumbo Roth IRA
0.55%	$95k	-	24 Month Jumbo CESA
0.50%	$250	-	Youth/Young Adult 12-Month IRA Certificate
0.50%	$95k	-	18 Month Jumbo IRA
0.50%	$1k	$95k	24 Month IRA
0.50%	$250	-	Youth/Young Adult 12-Month Roth IRA Certificate
0.50%	$95k	-	18 Month Jumbo Roth IRA
0.50%	$1k	$95k	24 Month Roth IRA
0.50%	$250	-	Youth/Young Adult 12-Month CESA Certificate
0.50%	$95k	-	18 Month Jumbo CESA
0.50%	$1k	$95k	24 Month CESA
0.45%	$95k	-	12 Month Jumbo IRA
0.45%	$1k	$95k	18 Month IRA
0.45%	$95k	-	12 Month Jumbo Roth IRA
0.45%	$1k	$95k	18 Month Roth IRA
0.45%	$95k	-	12 Month Jumbo CESA
0.45%	$1k	$95k	18 Month CESA
0.40%	$1k	$95k	12 Month IRA
0.40%	$1k	$95k	12 Month Roth IRA
0.40%	$1k	$95k	12 Month CESA
0.30%	$95k	-	6 Month Jumbo IRA
0.30%	$95k	-	6 Month Jumbo Roth IRA
0.30%	$95k	-	6 Month Jumbo CESA
0.25%	$1k	$95k	6 Month IRA
0.25%	$1k	$95k	6 Month Roth IRA
0.25%	$1k	$95k	6 Month CESA
0.20%	$95k	-	3 Month Jumbo IRA
0.20%	$95k	-	3 Month Jumbo Roth IRA
0.20%	$95k	-	3 Month Jumbo CESA
0.15%	$1k	$95k	3 Month IRA
0.15%	$1k	$95k	3 Month Roth IRA
0.15%	$1k	$95k	3 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

INTOUCH
NCUA #	68505
BankRate Report	View
Year Established	1974
Employees	208
Primary Regulator
Assets and Liabilities
Assets	$835.54 million
Loans	$417.07 million
Deposits	$693.52 million
Equity Capital	$64.05 million
Loan Loss Allowance	$5.82 million
Unbacked Noncurrent Loans	$4.50 million
Real Estate Owned	$70,000
Historic Data - September 2010
Assets	$844.04 million
Equity Capital	$68.90 million
Loan Loss Allowance	$4.27 million
Unbacked Noncurrent Loans	$3.89 million
Profit Margin - Quarterly
Net Interest Margin	4.04%
Return on Assets	-0.52%
Return on Equity	-6.72%
Interest Income	$26.28 million
Non-Interest Income	$5.42 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 September 30, 2011 InTouch Credit Union had $4.57 million in non-current loans and owned real-estate with $69.87 million in equity and loan loss allowances on hand to cover it. This gives InTouch Credit Union a Texas Ratio of 6.55% 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 InTouch Credit Union held steady from 5.31% as of September 30, 2010 to 6.55% as of September 30, 2011, resulting in a negative change of 23.27%. This indicates that the balance sheet and financial strength for InTouch Credit Union has held steady in recent periods.
Deposit Growth
In the past year, InTouch Credit Union has increased its total deposits by $21.09 million, resulting in 3.14% 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 InTouch 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. InTouch Credit Union has $835.54 million in assets with $69.87 million in equity, resulting in a capitalization level of 8.36%, which is average.

Be Careful If You Do Not Have Time To Babysit Your Bank!!!!!
1 stars

- nospam - Tuesday, January 24, 2012 - 12:54 PM

We have an account with these people and they recently changed the rules to the accounts by sending out a note in the mail.

They will begin charging for a LONG list of services, not previously charged for and the few optional ones can not be avoided unless you physically go into the bank to get it done.

What was once a good idea, has become a very expensive liability to me, and is now costing time and effort I don't have to go correct a change they decided to make.

If you do not have extra time and energy to babysit your bank, this is not the place for you, as it will not be easy for you to take care of on the phone or online (if you want to do anything online, you have to go into the office first as they do not provide your account number to you through statements or any other means beyond showing up in a branch)...

What a pain...