One Credit Union

P.O. Box 82
Essex Junction, VT 054530082
1-800-578-5024
www.onecu.org

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One Credit Union is headquartered in SPRINGFIELD and is the 6^th largest credit union in the state of Vermont. It is also the 1,226^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 43 employees and 15,648 members. One Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Savings | CD | IRA

One Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	$100k	-	Tiered Savings
0.75%	-	-	IRA Savings
0.75%	-	-	SEP IRA Savings
0.75%	-	-	CESA Savings
0.75%	-	-	Roth IRA Savings
0.50%	-	-	Stash the Cash Savings
0.50%	-	-	Health Savings Account (HSA)
0.25%	-	-	Club Account
0.25%	-	-	Youth Savings
0.25%	-	-	Regular Savings (A) - Membership Account

One Credit Union CD Rates

Apy	Min	Max	Product
1.46%	$100k	-	60 Month Jumbo Share Certificate
1.41%	$500	-	60 Month Share Certificate
1.16%	$100k	-	48 Month Jumbo Share Certificate
1.11%	$500	-	48 Month Share Certificate
1.11%	$100k	-	36 Month Jumbo Share Certificate
1.06%	$500	-	36 Month Share Certificate
0.75%	$100k	-	24 Month Jumbo Share Certificate
0.70%	$500	-	24 Month Share Certificate
0.55%	$100k	-	18 Month Jumbo Share Certificate
0.50%	$500	-	18 Month Share Certificate
0.50%	$100	$1k	12 Month Kids Klub Certificate
0.50%	$100	$1k	12 Month Yes Certificate
0.45%	$100k	-	12 Month Jumbo Share Certificate
0.40%	$500	-	12 Month Share Certificate
0.40%	$100k	-	6 Month Jumbo Share Certificate
0.35%	$500	-	6 Month Share Certificate

One Credit Union IRA Rates

Apy	Min	Max	Product
1.46%	$100k	-	60 Month Jumbo IRA Certificate
1.46%	$100k	-	60 Month Jumbo SEP IRA Certificate
1.46%	$100k	-	60 Month Jumbo CESA Certificate
1.46%	$100k	-	60 Month Jumbo Roth IRA Certificate
1.41%	$500	-	60 Month IRA Certificate
1.41%	$500	-	60 Month SEP IRA Certificate
1.41%	$500	-	60 Month CESA Certificate
1.41%	$500	-	60 Month Roth IRA Certificate
1.16%	$100k	-	48 Month Jumbo IRA Certificate
1.16%	$100k	-	48 Month Jumbo SEP IRA Certificate
1.16%	$100k	-	48 Month Jumbo CESA Certificate
1.16%	$100k	-	48 Month Jumbo Roth IRA Certificate
1.11%	$500	-	48 Month IRA Certificate
1.11%	$100k	-	36 Month Jumbo IRA Certificate
1.11%	$100k	-	36 Month Jumbo SEP IRA Certificate
1.11%	$500	-	48 Month SEP IRA Certificate
1.11%	$100k	-	36 Month Jumbo CESA Certificate
1.11%	$100k	-	36 Month Jumbo Roth IRA Certificate
1.11%	$500	-	48 Month CESA Certificate
1.11%	$500	-	48 Month Roth IRA Certificate
1.06%	$500	-	36 Month IRA Certificate
1.06%	$500	-	36 Month SEP IRA Certificate
1.06%	$500	-	36 Month CESA Certificate
1.06%	$500	-	36 Month Roth IRA Certificate
0.75%	$100k	-	24 Month Jumbo IRA Certificate
0.75%	$100k	-	24 Month Jumbo SEP IRA Certificate
0.75%	$100k	-	24 Month Jumbo CESA Certificate
0.75%	$100k	-	24 Month Jumbo Roth IRA Certificate
0.70%	$500	-	24 Month IRA Certificate
0.70%	$500	-	24 Month SEP IRA Certificate
0.70%	$500	-	24 Month CESA Certificate
0.70%	$500	-	24 Month Roth IRA Certificate
0.55%	$100k	-	18 Month Jumbo IRA Certificate
0.55%	$100k	-	18 Month Jumbo SEP IRA Certificate
0.55%	$100k	-	18 Month Jumbo CESA Certificate
0.55%	$100k	-	18 Month Jumbo Roth IRA Certificate
0.50%	$500	-	18 Month IRA Certificate
0.50%	$500	-	18 Month SEP IRA Certificate
0.50%	$500	-	18 Month CESA Certificate
0.50%	$500	-	18 Month Roth IRA Certificate
0.45%	$100k	-	12 Month Jumbo IRA Certificate
0.45%	$100k	-	12 Month Jumbo SEP IRA Certificate
0.45%	$100k	-	12 Month Jumbo CESA Certificate
0.45%	$100k	-	12 Month Jumbo Roth IRA Certificate
0.40%	$500	-	12 Month IRA Certificate
0.40%	$100k	-	6 Month Jumbo IRA Certificate
0.40%	$100k	-	6 Month Jumbo SEP IRA Certificate
0.40%	$500	-	12 Month SEP IRA Certificate
0.40%	$100k	-	6 Month Jumbo CESA Certificate
0.40%	$100k	-	6 Month Jumbo Roth IRA Certificate
0.40%	$500	-	12 Month CESA Certificate
0.40%	$500	-	12 Month Roth IRA Certificate
0.35%	$500	-	6 Month IRA Certificate
0.35%	$500	-	6 Month SEP IRA Certificate
0.35%	$500	-	6 Month CESA Certificate
0.35%	$500	-	6 Month Roth IRA Certificate

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

ONE
NCUA #	63923
BankRate Report	View
Year Chartered	1952
Employees	43
Primary Regulator
Assets and Liabilities
Assets	$123.89 million
Loans	$77.58 million
Deposits	$108.57 million
Equity Capital	$15.04 million
Loan Loss Allowance	$461,000
Unbacked Noncurrent Loans	$986,000
Real Estate Owned	$97,000
Historic Data - December 2010
Assets	$114.43 million
Equity Capital	$12.32 million
Loan Loss Allowance	$155,000
Unbacked Noncurrent Loans	$874,000
Real Estate Owned	$1,000
Profit Margin - Quarterly
Net Interest Margin	4.16%
Return on Assets	-0.66%
Return on Equity	-5.45%
Interest Income	$4.03 million
Non-Interest Income	$790,000

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, 2011 One Credit Union had $1.08 million in non-current loans and owned real-estate with $15.5 million in equity and loan loss allowances on hand to cover it. This gives One Credit Union a Texas Ratio of 6.99% 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 One Credit Union held steady from 7.02% as of December 31, 2010 to 6.99% as of December 31, 2011, resulting in a positive change of 0.43%.This indicates that the balance sheet and financial strength for One Credit Union has held steady in recent periods.
Deposit Growth
In the past year, One Credit Union has increased its total deposits by $6.58 million, resulting in 6.46% 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 One 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. One Credit Union has $123.89 million in assets with $15.5 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

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