Money Credit Union

100 Madison Street
Syracuse, NY 132010957
1-866-320-9990
www.moneyfcu.org

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Money Credit Union is headquartered in syracuse and is the 117^st largest credit union in the state of New York. It is also the 2,424^th largest credit union in the nation. It was established in 1976 and as of December of 2012, it had grown to 9 employees and 3,970 members. Money Credit Union has a 4-star health rating.

3.30% 5-Year CD At Money FCU In New York State (Forum) - 7/2/2010

Money Federal Credit Union has some top long-term CD and IRA CD rates as of 7/2/2010 3.30% APY 5 years 3.05% APY 4 years 2.28% APY 3 years 2.02% APY 2 years Excerpts from the Field of Membership page Any person who lives, works, worships or atte

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

Money Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	IRA Savings Account
0.15%	-	-	Roth IRA Savings Account
0.15%	-	-	Coverdell Education Savings Account
0.10%	$100	-	Regular Savings Account
0.10%	-	-	Holiday Club Account
0.10%	-	-	Vacation Club Account
0.10%	-	-	U-Name It Account
0.10%	-	-	Teen Club Account
0.10%	-	-	MONKey Kids Club Account

Money Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.25%	$75k	-	Money Market Savings Account

Money Credit Union CD Rates

Apy	Min	Max	Product
0.50%	$500	-	36 Month CD
0.50%	$500	-	48 Month CD
0.50%	$500	-	60 Month CD
0.45%	$500	-	24 Month CD
0.35%	$500	-	12 Month CD
0.35%	$500	-	15 Month CD
0.35%	$500	-	18 Month CD
0.25%	$500	-	9 Month CD
0.20%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Money Credit Union IRA Rates

Apy	Min	Max	Product
0.50%	$500	-	36 Month IRA
0.50%	$500	-	48 Month IRA
0.50%	$500	-	60 Month IRA
0.50%	$500	-	36 Month Roth IRA
0.50%	$500	-	48 Month Roth IRA
0.50%	$500	-	60 Month Roth IRA
0.50%	$500	-	36 Month CESA
0.50%	$500	-	48 Month CESA
0.50%	$500	-	60 Month CESA
0.45%	$500	-	24 Month IRA
0.45%	$500	-	24 Month Roth IRA
0.45%	$500	-	24 Month CESA
0.35%	$500	-	12 Month IRA
0.35%	$500	-	12 Month Roth IRA
0.35%	$500	-	12 Month CESA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

MONEY
NCUA #	22566
BankRate Report	View
Year Chartered	1976
Employees	9
Primary Regulator
Assets and Liabilities
Assets	$44.44 million
Loans	$28.28 million
Deposits	$39.37 million
Equity Capital	$4.93 million
Loan Loss Allowance	$65,000
Unbacked Noncurrent Loans	$135,000
Historic Data - December 2011
Assets	$47.72 million
Equity Capital	$4.67 million
Loan Loss Allowance	$66,000
Unbacked Noncurrent Loans	$15,000
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	0.59%
Return on Equity	5.29%
Interest Income	$1.78 million
Non-Interest Income	$207,000

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, 2012 Money Credit Union had $135,000 in non-current loans and owned real-estate with $5 million in equity and loan loss allowances on hand to cover it. This gives Money Credit Union a Texas Ratio of 2.70% 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 Money Credit Union held steady from 0.32% as of December 31, 2011 to 2.70% as of December 31, 2012, resulting in a negative change of 753.18%. This indicates that the balance sheet and financial strength for Money Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Money Credit Union has decreased its total deposits by -$3.55 million, resulting in -8.26% 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 Money Credit Union has shown is poor.
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. Money Credit Union has $44.44 million in assets with $5 million in equity, resulting in a capitalization level of 11.25%, which is above average.