My Personal Credit Union

1414 Burton SW
Wyoming, MI 49509
888.729.6728
www.mpcu.org

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My Personal Credit Union is headquartered in Wyoming and is the 86^th largest credit union in the state of Michigan. It is also the 1,418^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 36 employees and 12,144 members. My Personal Credit Union has a 4-star health rating.

My Personal Credit Union Routing Number: 272486193

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

My Personal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$10k	-	Optimum Checking Account
0.10%	-	-	Select Checking Account

My Personal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$500k	-	Prosper Savings Account
0.20%	-	-	IRA Savings Account
0.20%	-	-	Roth IRA Savings Account
0.10%	-	-	Savings Account
0.10%	-	-	Holiday Savings Account
0.10%	-	-	Vacation Savings Account
0.10%	-	-	Escrow Account
0.10%	-	-	Business Savings Account

My Personal Credit Union Money Market Rates

Apy	Min	Max	Product
0.45%	$500k	-	Success Money Market Account
0.25%	$25k	-	Money Market Account

My Personal Credit Union CD Rates

Apy	Min	Max	Product
1.81%	$10k	-	60 Month CD Special
1.15%	$500	-	48 Month CD
1.00%	$2k	-	36 Month CD Special
0.70%	$500	-	30 Month CD
0.60%	$500	-	24 Month CD
0.55%	$500	-	15 Month CD Special
0.50%	$500	-	18 Month CD
0.40%	$500	-	12 Month CD
0.30%	$500	-	9 Month CD
0.30%	-	-	12 Month Balance Builder CD
0.20%	$500	-	6 Month CD

My Personal Credit Union IRA Rates

Apy	Min	Max	Product
1.81%	$10k	-	60 Month IRA CD Special
1.81%	$10k	-	60 Month Roth IRA CD Special
1.15%	$500	-	48 Month IRA CD
1.15%	$500	-	48 Month Roth IRA CD
1.00%	$2k	-	36 Month IRA CD Special
1.00%	$2k	-	36 Month Roth IRA CD Special
0.70%	$500	-	30 Month IRA CD
0.70%	$500	-	30 Month Roth IRA CD
0.60%	$500	-	24 Month IRA CD
0.60%	$500	-	24 Month Roth IRA CD
0.55%	$500	-	15 Month IRA CD Special
0.55%	$500	-	15 Month Roth IRA CD Special
0.50%	$500	-	18 Month IRA CD
0.50%	$500	-	18 Month Roth IRA CD
0.40%	$500	-	12 Month IRA CD
0.40%	$500	-	12 Month Roth IRA CD
0.30%	$500	-	9 Month IRA CD
0.30%	$500	-	9 Month Roth IRA CD
0.30%	-	-	12 Month Balance Builder IRA CD
0.30%	-	-	12 Month Balance Builder Roth IRA CD
0.20%	$500	-	6 Month IRA CD
0.20%	$500	-	6 Month Roth IRA CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MY PERSONAL
NCUA #	62243
BankRate Report	View
Year Chartered	1951
Employees	36
Primary Regulator
Assets and Liabilities
Assets	$101.50 million
Loans	$60.16 million
Deposits	$92.57 million
Equity Capital	$8.63 million
Loan Loss Allowance	$815,000
Unbacked Noncurrent Loans	$1.25 million
Real Estate Owned	$64,000
Historic Data - December 2010
Assets	$100.10 million
Equity Capital	$8.21 million
Loan Loss Allowance	$739,000
Unbacked Noncurrent Loans	$1.64 million
Real Estate Owned	$187,000
Profit Margin - Quarterly
Net Interest Margin	6.29%
Return on Assets	0.35%
Return on Equity	4.12%
Interest Income	$4.44 million
Non-Interest Income	$1.44 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 My Personal Credit Union had $1.32 million in non-current loans and owned real-estate with $9.44 million in equity and loan loss allowances on hand to cover it. This gives My Personal Credit Union a Texas Ratio of 13.96% 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 My Personal Credit Union decreased slightly from 20.37% as of December 31, 2010 to 13.96% as of December 31, 2011, resulting in a positive change of 31.47%.This indicates that the balance sheet and financial strength for My Personal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, My Personal Credit Union has increased its total deposits by $944,000, resulting in 1.03% 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 My Personal 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. My Personal Credit Union has $101.5 million in assets with $9.44 million in equity, resulting in a capitalization level of 9.30%, which is average.

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