MECU

7 E Redwood St
Baltimore, MD 21202
410-752-8313
www.mecu.com

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MECU is headquartered in BALTIMORE and is the 4^th largest credit union in the state of Maryland. It is also the 158^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 231 employees and 98,663 members. MECU's savings rates are 4X the national average, and it has a 4-star health rating.

MECU Routing Number: 252076293

Attractive Liquid Certificates of Deposit at MECU in Maryland - Local Only - 4/25/2010

MECU (Municipal Employees Credit Union) is offering several types of liquid CDs and IRA CDs with competitive rates. Some CDs have a have a bump-up feature that allows one or two bump-ups in the CD ra ...

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

MECU Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$25	-	Checking Accounts

MECU Savings Account Rates

Apy	Min	Max	Product
2.11%	$25	-	CESA Savings
0.50%	-	-	Share Savings
0.50%	-	-	Holiday Savings
0.50%	-	-	Pay All Year Savings
0.50%	$25	-	IRA Savings
0.50%	$25	-	Roth IRA Savings

MECU Money Market Rates

Apy	Min	Max	Product
1.00%	$2,500k	-	Premier Money Market
0.70%	$100k	-	Money Market Account

MECU CD Rates

Apy	Min	Max	Product
2.15%	$500	-	60 Month CD
2.15%	$500	-	60 Month Bump-Up CD
1.80%	$500	-	48 Month CD
1.80%	$500	-	48 Month Bump-Up CD
1.60%	$500	-	36 Month CD
1.60%	$500	-	36 Month Bump-Up CD
1.30%	$500	-	24 Month CD
1.30%	$500	-	24 Month Bump-Up CD
1.25%	$5k	-	24 Month Auto-Build CD
1.00%	$500	-	18 Month CD
0.95%	$500	-	12 Month CD
0.95%	$5k	-	12 Month Auto-Build CD
0.85%	$500	-	9 Month CD
0.85%	$5k	-	11 Month SuperFlex CD

MECU IRA Rates

Apy	Min	Max	Product
2.15%	$500	-	60 Month Bump-Up IRA
2.15%	$500	-	60 Month IRA
2.15%	$500	-	60 Month Bump-Up Roth IRA
2.15%	$500	-	60 Month Roth IRA
2.15%	$500	-	60 Month Bump-Up CESA
2.15%	$500	-	60 Month CESA
1.80%	$500	-	48 Month Bump-Up IRA
1.80%	$500	-	48 Month IRA
1.80%	$500	-	48 Month Bump-Up Roth IRA
1.80%	$500	-	48 Month Roth IRA
1.80%	$500	-	48 Month Bump-Up CESA
1.80%	$500	-	48 Month CESA
1.60%	$500	-	36 Month Bump-Up IRA
1.60%	$500	-	36 Month IRA
1.60%	$500	-	36 Month Bump-Up Roth IRA
1.60%	$500	-	36 Month Roth IRA
1.60%	$500	-	36 Month Bump-Up CESA
1.60%	$500	-	36 Month CESA
1.30%	$500	-	24 Month Bump-Up IRA
1.30%	$500	-	24 Month IRA
1.30%	$500	-	24 Month Bump-Up Roth IRA
1.30%	$500	-	24 Month Roth IRA
1.30%	$500	-	24 Month Bump-Up CESA
1.30%	$500	-	24 Month CESA
1.25%	$5k	-	24 Month Auto-Build IRA
1.25%	$5k	-	24 Month Auto-Build Roth IRA
1.25%	$5k	-	24 Month Auto-Build CESA
1.00%	$500	-	18 Month IRA
1.00%	$500	-	18 Month Roth IRA
1.00%	$500	-	18 Month CESA
0.95%	$5k	-	12 Month Auto-Build IRA
0.95%	$500	-	12 Month IRA
0.95%	$5k	-	12 Month Auto-Build Roth IRA
0.95%	$500	-	12 Month Roth IRA
0.95%	$5k	-	12 Month Auto-Build CESA
0.95%	$500	-	12 Month CESA
0.85%	$500	-	9 Month IRA
0.85%	$500	-	9 Month Roth IRA
0.85%	$500	-	9 Month CESA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MUNICIPAL EMPL.CREDIT UNION OF BALT
NCUA #	66787
BankRate Report	View
Year Chartered	1936
Employees	231
Primary Regulator
Assets and Liabilities
Assets	$1.12 billion
Loans	$648.78 million
Deposits	$924.78 million
Equity Capital	$119.43 million
Loan Loss Allowance	$11.24 million
Unbacked Noncurrent Loans	$11.54 million
Real Estate Owned	$808,000
Historic Data - December 2010
Assets	$1.08 billion
Equity Capital	$112.98 million
Loan Loss Allowance	$9.61 million
Unbacked Noncurrent Loans	$10.69 million
Real Estate Owned	$956,000
Profit Margin - Quarterly
Net Interest Margin	6.28%
Return on Assets	0.19%
Return on Equity	1.78%
Interest Income	$48.99 million
Non-Interest Income	$16.99 million

Institution Health

Overall Score:

4 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, 2011 MECU had $12.35 million in non-current loans and owned real-estate with $130.68 million in equity and loan loss allowances on hand to cover it. This gives MECU a Texas Ratio of 9.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for MECU held steady from 9.50% as of December 31, 2010 to 9.45% as of December 31, 2011, resulting in a positive change of 0.55%.This indicates that the balance sheet and financial strength for MECU has held steady in recent periods.
Deposit Growth
In the past year, MECU has increased its total deposits by $38.34 million, resulting in 4.33% 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 MECU 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. MECU has $1.12 billion in assets with $130.68 million in equity, resulting in a capitalization level of 11.62%, which is above average.