Mcgraw Hill Credit Union

120 Windsor Center Drive
East Windsor, NJ 08520
800-226-6428
www.mcgrawhillfcu.org

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Mcgraw Hill Credit Union is headquartered in East Windsor and is the 8^th largest credit union in the state of New Jersey. It is also the 655^th largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 46 employees and 20,250 members. Mcgraw Hill Credit Union has a 5-star health rating.

Mcgraw Hill FCU Reduces RCA Rate (1.0%,$250K) To (0.60%, $250K) Effective 2/1/13, Offers Promotion (Forum) - 2/3/2013

The change affects their S3 account. For a limited time the CU is offering a $50 cash promo to open the account. This credit union is considered to have easy membership qualifications.

18 Month 1.50% CD (Forum) - 4/9/2012

Is anybody even interested in this Credit Unions CD Special ?? It is the highest that I can See.

Top CD Rates at McGraw-Hill Federal Credit Union - Easy Membership - 4/6/2012

McGraw-Hill Federal Credit Union is again offering a top CD rate. Hopefully, it will last longer than the last time it was offering a top rate in October . This new top rate is 1.50% APY for a 15-mont ...

Top CD Rates at McGraw-Hill Federal Credit Union - Easy Membership - 10/4/2011

If you missed the 5-year CD deal at US Senate FCU, this might be another chance to lock into a 3% CD. McGraw-Hill Federal Credit Union is listing a 5-year share certificate with a 3.00% APY for a mini ...

2011

3/3 - CD Specials & a Unique Reward Checking Account at McGraw-Hill FCU in NJ & NY - Limited Membership

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

Mcgraw Hill Credit Union Checking Account Rates

Apy	Min	Max	Product
0.60%	-	$250k	The S3 Account
0.25%	$50k	-	My Choice: High Yield Checking
0.15%	$500	-	Interest Checking
0.15%	$500	-	50+ Checking
0.00%	-	-	The S3 Account - Non Qualifying

Mcgraw Hill Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Share Savings Account
0.15%	-	-	Traditional Holiday Club
0.15%	-	-	IRA Savings
0.15%	-	-	Roth IRA Savings
0.15%	-	-	CESA Savings

Mcgraw Hill Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$25k	-	Money Market Account
0.40%	$25k	-	Premium IRA - Standard
0.40%	$25k	-	Premium Roth IRA - Standard
0.40%	$25k	-	Premium CESA - Standard

Mcgraw Hill Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$10k	-	60 Month CD
1.25%	$10k	-	48 Month CD
1.00%	$10k	-	36 Month CD
0.75%	$10k	-	24 Month CD
0.75%	$500	$50k	7 Month CD w/ S3 Account
0.60%	$10k	-	18 Month CD
0.50%	$10k	-	12 Month CD
0.35%	$10k	-	9 Month CD
0.25%	$10k	-	6 Month CD
0.15%	$1k	-	3 Month CD

Mcgraw Hill Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$10k	-	60 Month IRA
1.50%	$10k	-	60 Month Roth IRA
1.50%	$10k	-	60 Month CESA
1.25%	$10k	-	48 Month IRA
1.25%	$10k	-	48 Month Roth IRA
1.25%	$10k	-	48 Month CESA
1.00%	$10k	-	36 Month IRA
1.00%	$10k	-	36 Month Roth IRA
1.00%	$10k	-	36 Month CESA
0.75%	$10k	-	24 Month IRA
0.75%	$10k	-	24 Month Roth IRA
0.75%	$10k	-	24 Month CESA
0.75%	$500	$50k	7 Month IRA w/ S3 Account
0.75%	$500	$50k	7 Month Roth IRA w/ S3 Account
0.75%	$500	$50k	7 Month CESA w/ S3 Account
0.60%	$10k	-	18 Month IRA
0.60%	$10k	-	18 Month Roth IRA
0.60%	$10k	-	18 Month CESA
0.50%	$10k	-	12 Month IRA
0.50%	$10k	-	12 Month Roth IRA
0.50%	$10k	-	12 Month CESA
0.35%	$10k	-	9 Month IRA
0.35%	$10k	-	9 Month Roth IRA
0.35%	$10k	-	9 Month CESA
0.25%	$10k	-	6 Month IRA
0.25%	$10k	-	6 Month Roth IRA
0.25%	$10k	-	6 Month CESA

Rates updated: 5/25/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

MCGRAW HILL
NCUA #	861
BankRate Report	View
Year Chartered	1935
Employees	46
Primary Regulator
Assets and Liabilities
Assets	$304.45 million
Loans	$175.80 million
Deposits	$246.13 million
Equity Capital	$42.33 million
Loan Loss Allowance	$1.76 million
Unbacked Noncurrent Loans	$1.44 million
Historic Data - December 2011
Assets	$277.44 million
Equity Capital	$41.75 million
Loan Loss Allowance	$1.08 million
Unbacked Noncurrent Loans	$1.13 million
Profit Margin - Quarterly
Net Interest Margin	4.18%
Return on Assets	0.17%
Return on Equity	1.22%
Interest Income	$11.53 million
Non-Interest Income	$3.19 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 Mcgraw Hill Credit Union had $1.44 million in non-current loans and owned real-estate with $44.09 million in equity and loan loss allowances on hand to cover it. This gives Mcgraw Hill Credit Union a Texas Ratio of 3.26% 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 Mcgraw Hill Credit Union held steady from 2.63% as of December 31, 2011 to 3.26% as of December 31, 2012, resulting in a negative change of 23.78%. This indicates that the balance sheet and financial strength for Mcgraw Hill Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Mcgraw Hill Credit Union has increased its total deposits by $32.12 million, resulting in 15.01% 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 Mcgraw Hill Credit Union has shown is excellent.
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. Mcgraw Hill Credit Union has $304.45 million in assets with $44.09 million in equity, resulting in a capitalization level of 14.48%, which is excellent.