Quest Credit Union

P.O. Box 1128
Topeka, KS 666011128
800.432.2470
www.cu1ks.org

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Quest Credit Union is headquartered in Topeka and is the 5^th largest credit union in the state of Kansas. It is also the 710^st largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 55 employees and 32,148 members. Quest Credit Union 's savings rates are 2X the national average, and it boasts a 5-star health rating.

High-Interest Reward Checking Account at Quest Credit Union - KS Only - 10/26/2011

Kansas residents have quite a few choices for reward checking accounts. Quest Credit Union 's iDeal Checking is one of the better ones. It has a very competitive rate when the monthly requirements are ...

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

Quest Credit Union Checking Account Rates

Apy	Min	Max	Product
2.51%	-	$25k	iDeal Checking
0.15%	$25	-	Interest Checking Account
0.15%	-	-	ATM Account
0.15%	-	-	Debit Card Account

Quest Credit Union Savings Account Rates

Apy	Min	Max	Product
1.20%	$25	-	IRA Share Account
1.20%	$25	-	Roth IRA Share Account
1.20%	$25	-	Educational IRA Share Account
0.50%	$50k	-	High Yield Share Account
0.20%	$25	-	Regular Share Account
0.20%	$25	-	Christmas Club Account
0.20%	$25	-	Youth Savings Account

Quest Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.75%	$100k	-	Money Market Checking Account

Quest Credit Union CD Rates

Apy	Min	Max	Product
1.70%	$500	-	60 Month CD
1.45%	$500	-	48 Month CD
1.15%	$500	-	36 Month CD
1.00%	$500	-	30 Month CD
0.90%	$500	-	24 Month CD
0.65%	$500	-	18 Month CD
0.60%	$500	-	14 Month CD
0.55%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.25%	$500	-	3 Month CD

Quest Credit Union IRA Rates

Apy	Min	Max	Product
1.70%	$500	-	60 Month IRA CD
1.70%	$500	-	60 Month Roth IRA CD
1.70%	$500	-	60 Month Educational IRA CD
1.45%	$500	-	48 Month IRA CD
1.45%	$500	-	48 Month Roth IRA CD
1.45%	$500	-	48 Month Educational IRA CD
1.15%	$500	-	36 Month IRA CD
1.15%	$500	-	36 Month Roth IRA CD
1.15%	$500	-	36 Month Educational IRA CD
1.00%	$500	-	30 Month IRA CD
1.00%	$500	-	30 Month Roth IRA CD
1.00%	$500	-	30 Month Educational IRA CD
0.90%	$500	-	24 Month IRA CD
0.90%	$500	-	24 Month Roth IRA CD
0.90%	$500	-	24 Month Educational IRA CD
0.65%	$500	-	18 Month IRA CD
0.65%	$500	-	18 Month Roth IRA CD
0.65%	$500	-	18 Month Educational IRA CD
0.60%	$500	-	14 Month IRA CD
0.60%	$500	-	14 Month Roth IRA CD
0.60%	$500	-	14 Month Educational IRA CD
0.55%	$500	-	12 Month IRA CD
0.55%	$500	-	12 Month Roth IRA CD
0.55%	$500	-	12 Month Educational IRA CD
0.30%	$500	-	6 Month IRA CD
0.30%	$500	-	6 Month Roth IRA CD
0.30%	$500	-	6 Month Educational IRA CD
0.25%	$500	-	3 Month IRA CD
0.25%	$500	-	3 Month Roth IRA CD
0.25%	$500	-	3 Month Educational IRA CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

QUEST
NCUA #	61823
BankRate Report	View
Year Chartered	1956
Employees	55
Primary Regulator
Assets and Liabilities
Assets	$258.14 million
Loans	$96.73 million
Deposits	$234.54 million
Equity Capital	$23.05 million
Loan Loss Allowance	$1.26 million
Unbacked Noncurrent Loans	$1.06 million
Historic Data - December 2010
Assets	$232.49 million
Equity Capital	$22.12 million
Loan Loss Allowance	$1.54 million
Unbacked Noncurrent Loans	$3.42 million
Real Estate Owned	$4,000
Profit Margin - Quarterly
Net Interest Margin	5.64%
Return on Assets	0.31%
Return on Equity	3.42%
Interest Income	$9.20 million
Non-Interest Income	$1.90 million

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 Quest Credit Union had $1.06 million in non-current loans and owned real-estate with $24.31 million in equity and loan loss allowances on hand to cover it. This gives Quest Credit Union a Texas Ratio of 4.34% 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 Quest Credit Union decreased significantly from 14.47% as of December 31, 2010 to 4.34% as of December 31, 2011, resulting in a positive change of 70.01%.This indicates that the balance sheet and financial strength for Quest Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Quest Credit Union has increased its total deposits by $24.95 million, resulting in 11.91% 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 Quest 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. Quest Credit Union has $258.14 million in assets with $24.31 million in equity, resulting in a capitalization level of 9.42%, which is average.