O Bee Credit Union

3900 Cleveland Ave SE
Tumwater, WA 98501
800.642.4014
www.obee.com

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O Bee Credit Union is headquartered in TUMWATER and is the 35^th largest credit union in the state of Washington. It is also the 1,083^rd largest credit union in the nation. It was established in 1955 and as of September of 2011, it had grown to 52 employees and 14,988 members. O Bee Credit Union has a 4-star health rating.

O Bee Credit Union Routing Number: 325180977

2.15% 15-Month CD at O Bee Credit Union in Washington State - Local Only - 11/8/2009

O Bee Credit Union continues to offer a competitive 15-month CD special. The rate is now 2.15% APY which is down from last month when it was 2.50% APY. Minimum deposit is $500. It's also available in an IRA. The special is listed in the credit union's...

2.50% 15-Month CD at O Bee Credit Union in Washington State - Local Only - 10/8/2009

O Bee Credit Union is offering a special 15-month certificate with a 2.50% APY. Minimum deposit is $500. It's also available in an IRA. The special is listed in the credit union's rates page as of 10/08/09.The credit union's savings account has a 7.52%...

5.04% 37-Month / 4.61% 13-Month CD at O Bee Credit Union in Washington State - 10/8/2008

O Bee Credit Union is offering some high rate certificate specials. The yields include a 5.04% APY for 37 months, 4.75% APY for 25 months and 4.61% APY for 13 months. The minimum deposit is $500. These are available as either a regular or IRA...

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

O Bee Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.00%	-	-	Checking Account

O Bee Credit Union Savings Account Rates

Apy	Min	Max	Product
7.52%	-	$500	Savings Account - Qualifying
0.15%	-	$500	Savings Account - Non Qualifying
0.15%	-	-	IRA Savings Account
0.15%	-	-	Health Savings Account
0.15%	-	-	Roth IRA Savings Account

O Bee Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$10k	-	Money Market Account

O Bee Credit Union CD Rates

Apy	Min	Max	Product
1.76%	$500	-	5 Year CD
1.56%	$500	-	4 Year CD
1.26%	$500	-	3 Year CD
1.00%	$500	-	2 Year CD
0.95%	$500	-	16 Month CD Special
0.75%	$500	-	1 Year CD
0.40%	$500	-	6 Month CD
0.25%	$500	-	90 - 179 Day CD
0.15%	$500	-	7 - 29 Day CD

O Bee Credit Union IRA Rates

Apy	Min	Max	Product
1.76%	$500	-	5 Year IRA
1.76%	$500	-	5 Year Roth IRA
1.56%	$500	-	4 Year IRA
1.56%	$500	-	4 Year Roth IRA
1.26%	$500	-	3 Year IRA
1.26%	$500	-	3 Year Roth IRA
1.00%	$500	-	2 Year IRA
1.00%	$500	-	2 Year Roth IRA
0.95%	$500	-	16 Month IRA Special
0.95%	$500	-	16 Month Roth IRA Special
0.75%	$500	-	1 Year IRA
0.75%	$500	-	1 Year Roth IRA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month Roth IRA
0.25%	$500	-	90 - 179 Day IRA
0.25%	$500	-	90 - 179 Day Roth IRA
0.15%	$500	-	7 - 29 Day IRA
0.15%	$500	-	7 - 29 Day Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

O BEE
NCUA #	60059
BankRate Report	View
Year Established	1955
Employees	52
Primary Regulator
Assets and Liabilities
Assets	$146.02 million
Loans	$116.60 million
Deposits	$130.50 million
Equity Capital	$12.67 million
Loan Loss Allowance	$1.11 million
Unbacked Noncurrent Loans	$680,000
Real Estate Owned	$468,000
Historic Data - September 2010
Assets	$136.97 million
Equity Capital	$11.68 million
Loan Loss Allowance	$1.04 million
Unbacked Noncurrent Loans	$1.22 million
Real Estate Owned	$215,000
Profit Margin - Quarterly
Net Interest Margin	4.17%
Return on Assets	0.56%
Return on Equity	6.51%
Interest Income	$5.21 million
Non-Interest Income	$2.06 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 September 30, 2011 O Bee Credit Union had $1.15 million in non-current loans and owned real-estate with $13.78 million in equity and loan loss allowances on hand to cover it. This gives O Bee Credit Union a Texas Ratio of 8.33% 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 O Bee Credit Union decreased slightly from 11.32% as of September 30, 2010 to 8.33% as of September 30, 2011, resulting in a positive change of 26.38%.This indicates that the balance sheet and financial strength for O Bee Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, O Bee Credit Union has increased its total deposits by $8.23 million, resulting in 6.73% 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 O Bee 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. O Bee Credit Union has $146.01 million in assets with $13.78 million in equity, resulting in a capitalization level of 9.44%, which is average.