RTN Federal Credit Union

600 Main Street
Waltham, MA 02452
781-736-9900
www.rtn.org

NCUA

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RTN Federal Credit Union is headquartered in Waltham and is the 10^st largest credit union in the state of Massachusetts. It is also the 272^nd largest credit union in the nation. It was established in 1945 and as of December of 2012, it had grown to 127 employees and 47,802 members. RTN Federal Credit Union has a 5-star health rating.

RTN Federal Credit Union Routing Number: 211386445

Top 1-Year & 3-Year CD Rates at RTN Federal Credit Union in MA - Easy Membership - 12/16/2010

RTN Federal Credit Union is offering two competitive CD and IRA CD rates: 2.25% APY for a 3-year CD and a 1.55% APY for a 1-year CD. These require a minimum deposit of $50K. The rates for a minimum de ...

Competitive 1-Year CD Rate at RTN Federal Credit Union in MA - Easy Membership - 7/19/2010

RTN Federal Credit Union is offering a 1.70% APY on its Jumbo 12-month certificate. This requires a $50K minimum deposit. The rate for a $1K minimum deposit is much smaller at 1.20% APY. This is one o ...

Competitive 1-Year CD Rate Continues at RTN Federal Credit Union in MA - Easy Membership - 5/4/2010

RTN Federal Credit Union continues to offer 2.00% APY on its Jumbo 12-month certificate. This requires a $50K minimum deposit. The rate for the smaller tier has fallen since January from 1.55% to 1.2 ...

RTN Federal Credit Union in MA Continues to Offer 2.00% 1-Year CD (Forum) - 4/16/2010

RTN Federal Credit Union continues to offer a 2.00% APY on its 1-year CD for a minimum balance of $50K. It's also available as an IRA. This is listed at the credit union's rate table as of 4/16/2010. The credit union is based in Massachusetts, but it app

2010

3/3 - 2.00% 12-Month CD Continues at RTN Federal Credit Union in MA (Forum)
1/8 - 2.00% 12-Month CD at RTN Federal Credit Union in MA

2008

12/5 - 4.25% 12-Month CD at RTN Federal Credit Union in MA - Easy Membership

2007

11/20 - 5.30% 12-Month CD at a MA Credit Union - Easy Membership (RTN)

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

RTN Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.20%	-	-	Dividend Checking

RTN Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Holiday Club
0.50%	-	-	Vacation Club
0.50%	-	-	IRA Savings
0.50%	-	-	Roth IRA Savings
0.50%	-	-	CESA Savings
0.20%	$25	-	Main Share
0.20%	-	-	Home Buyer Savings

RTN Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.50%	$75k	-	Money Market

RTN Federal Credit Union CD Rates

Apy	Min	Max	Product
1.70%	$50k	-	60 Month CD
1.50%	$50k	-	48 Month CD
1.45%	$50k	-	36 Month CD
1.20%	$50k	-	24 Month CD
0.70%	$50k	-	12 Month CD
0.45%	$50k	-	6 Month CD
0.30%	$50k	-	3 Month CD

RTN Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.70%	$50k	-	60 Month IRA
1.70%	$50k	-	60 Month CESA
1.70%	$50k	-	60 Month Roth IRA
1.70%	$50k	-	60 Month SEP IRA
1.50%	$50k	-	48 Month IRA
1.50%	$50k	-	48 Month CESA
1.50%	$50k	-	48 Month Roth IRA
1.50%	$50k	-	48 Month SEP IRA
1.45%	$50k	-	36 Month CESA
1.45%	$50k	-	36 Month IRA
1.45%	$50k	-	36 Month Roth IRA
1.45%	$50k	-	36 Month SEP IRA
1.20%	$50k	-	24 Month IRA
1.20%	$50k	-	24 Month CESA
1.20%	$50k	-	24 Month Roth IRA
1.20%	$50k	-	24 Month SEP IRA
0.70%	$50k	-	12 Month IRA
0.70%	$50k	-	12 Month CESA
0.70%	$50k	-	12 Month Roth IRA
0.70%	$50k	-	12 Month SEP IRA
0.45%	$50k	-	6 Month IRA
0.45%	$50k	-	6 Month CESA
0.45%	$50k	-	6 Month Roth IRA
0.45%	$50k	-	6 Month SEP IRA
0.30%	$50k	-	3 Month IRA
0.30%	$50k	-	3 Month CESA
0.30%	$50k	-	3 Month Roth IRA
0.30%	$50k	-	3 Month SEP IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

RTN
NCUA #	24311
BankRate Report	View
Year Chartered	1945
Employees	127
Primary Regulator
Assets and Liabilities
Assets	$782.11 million
Loans	$342.98 million
Deposits	$672.51 million
Equity Capital	$80.13 million
Loan Loss Allowance	$2.43 million
Unbacked Noncurrent Loans	$2.63 million
Real Estate Owned	$467,000
Historic Data - December 2011
Assets	$719.19 million
Equity Capital	$75.39 million
Loan Loss Allowance	$2.57 million
Unbacked Noncurrent Loans	$3.00 million
Real Estate Owned	$155,000
Profit Margin - Quarterly
Net Interest Margin	4.65%
Return on Assets	0.41%
Return on Equity	4.03%
Interest Income	$26.64 million
Non-Interest Income	$4.43 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, 2012 RTN Federal Credit Union had $3.09 million in non-current loans and owned real-estate with $82.56 million in equity and loan loss allowances on hand to cover it. This gives RTN Federal Credit Union a Texas Ratio of 3.75% 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 RTN Federal Credit Union held steady from 4.05% as of December 31, 2011 to 3.75% as of December 31, 2012, resulting in a positive change of 7.42%.This indicates that the balance sheet and financial strength for RTN Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, RTN Federal Credit Union has increased its total deposits by $72.14 million, resulting in 12.02% 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 RTN Federal 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. RTN Federal Credit Union has $782.11 million in assets with $82.56 million in equity, resulting in a capitalization level of 10.56%, which is above average.