San Antonio Federal Credit Union

San Antonio Federal Credit Union Locations

6061 IH-10 West
San Antonio, TX 78201
1-800-688-7228
www.sacu.com

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San Antonio Federal Credit Union is headquartered in San Antonio and is the 4^th largest credit union in the state of Texas. It is also the 39^th largest credit union in the nation. It was established in 1935 and as of September of 2011, it had grown to 643 employees and 253,062 members. San Antonio Federal Credit Union 's money market rates are 14% higher than the national average, and it has a 4-star health rating.

San Antonio Federal Credit Union Routing Number: 314088284

The Highest CD Rates in the Nation at San Antonio Federal Credit Union in Texas - Local Only - 3/27/2011

San Antonio Federal Credit Union (SACU) has some very competitive long-term CD and IRA CD rates. The best ones include a 4.09% APY 10-year CD, a 3.80% APY 7-year CD, a 3.00% APY 5-year CD and a 2.20% ...

Competitive Long-Term CD And IRA CD Rates In San Antonio And Houston (Forum) - 7/1/2010

For those in San Antonio looking for CD terms of 3 years to 7 years, SACU has some competitive rates. For a $10K minimum deposit as of 7/01/2010, the CD and IRA CD rates include: 2.36% APY 3-years 3.00% APY 5-years 3.60% APY 7-years Field of member

3.75% 6-Month CD & 4.15% 18-Month CD at San Antonio FCU - 1/6/2009

Update 1/09/09: The CD rates have fallen. Please refer to the credit union's website for the latest rates.San Antonio Federal Credit Union (SACU) has some competitive certificate rates. These include a 3.75% APY 6-month certificate with a minimum deposit...

4.00% 6-Month / 4.40% 18-Month CD at San Antonio FCU - 9/3/2008

San Antonio Federal Credit Union (SACU) has some competitive certificate rates. These include a 4.00% APY 6-month certificate with a minimum deposit of $10,000 and a 4.40% APY 18-month certificate with a minimum of $1,000. The 6-month certificate has a...

2008

2/24 - 4.50% 84-Month / 4.25% 18-Month CD at a Texas CU (SACU).

2007

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

San Antonio Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
1.50%	-	$25k	mY generation checking
0.60%	$90k	-	Gateway Checking
0.15%	-	-	Extra Value Plus Checking
0.15%	-	-	Extra Value Checking
0.15%	$500	-	The Works Checking

San Antonio Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.60%	$90k	-	IRA Money Fund Account
0.60%	$90k	-	Roth IRA Money Fund Account
0.60%	$90k	-	CESA Money Fund Accounts
0.55%	$500	-	IRA Liquid
0.55%	$500	-	CESA Liquid
0.55%	$500	-	Roth IRA Liquid
0.25%	$100	-	Share Savings
0.25%	-	-	Share Savings (Minor)

San Antonio Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.60%	$90k	-	Money Market

San Antonio Federal Credit Union CD Rates

Apy	Min	Max	Product
3.35%	$90k	-	120 Month CD
2.85%	$90k	-	84 - 119 Month CD
2.36%	$90k	-	60 - 83 Month CD
1.35%	$90k	-	36 - 59 Month CD
1.15%	$90k	-	24 - 35 Month CD
1.00%	$90k	-	18 - 23 Month CD
0.95%	$90k	-	12 - 17 Month CD
0.65%	$90k	-	6 - 11 Month CD
0.55%	$1k	-	12 Month Liquid CD
0.25%	$90k	-	3 - 5 Month CD

San Antonio Federal Credit Union IRA Rates

Apy	Min	Max	Product
3.35%	$90k	-	120 Month IRA
3.35%	$90k	-	120 Month Roth IRA
3.35%	$90k	-	120 Month CESA
2.85%	$90k	-	84 - 119 Month IRA
2.85%	$90k	-	84 - 119 Month Roth IRA
2.85%	$90k	-	84 - 119 Month CESA
2.36%	$90k	-	60 - 83 Month IRA
2.36%	$90k	-	60 - 83 Month Roth IRA
2.36%	$90k	-	60 - 83 Month CESA
1.35%	$90k	-	36 - 59 Month IRA
1.35%	$90k	-	36 - 59 Month Roth IRA
1.35%	$90k	-	36 - 59 Month CESA
1.15%	$90k	-	24 - 35 Month IRA
1.15%	$90k	-	24 - 35 Month Roth IRA
1.15%	$90k	-	24 - 35 Month CESA
1.00%	$90k	-	18 - 23 Month IRA
1.00%	$90k	-	18 - 23 Month Roth IRA
1.00%	$90k	-	18 - 23 Month CESA
0.95%	$90k	-	12 - 17 Month IRA
0.95%	$90k	-	12 - 17 Month Roth IRA
0.95%	$90k	-	12 - 17 Month CESA
0.65%	$90k	-	6 - 11 Month IRA
0.65%	$90k	-	6 - 11 Month Roth IRA
0.65%	$90k	-	6 - 11 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

SAN ANTONIO
NCUA #	24382
BankRate Report	View
Year Established	1935
Employees	643
Primary Regulator
Assets and Liabilities
Assets	$2.95 billion
Loans	$2.67 billion
Deposits	$2.07 billion
Equity Capital	$256.45 million
Loan Loss Allowance	$19.01 million
Unbacked Noncurrent Loans	$56.33 million
Real Estate Owned	$1.87 million
Historic Data - September 2010
Assets	$2.85 billion
Equity Capital	$226.44 million
Loan Loss Allowance	$22.00 million
Unbacked Noncurrent Loans	$50.40 million
Real Estate Owned	$2.82 million
Profit Margin - Quarterly
Net Interest Margin	3.62%
Return on Assets	1.03%
Return on Equity	11.89%
Interest Income	$121.52 million
Non-Interest Income	$17.71 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 San Antonio Federal Credit Union had $58.2 million in non-current loans and owned real-estate with $275.45 million in equity and loan loss allowances on hand to cover it. This gives San Antonio Federal Credit Union a Texas Ratio of 21.13% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for San Antonio Federal Credit Union held steady from 21.42% as of September 30, 2010 to 21.13% as of September 30, 2011, resulting in a positive change of 1.36%.This indicates that the balance sheet and financial strength for San Antonio Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, San Antonio Federal Credit Union has increased its total deposits by $99.13 million, resulting in 5.02% 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 San Antonio 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. San Antonio Federal Credit Union has $2.95 billion in assets with $275.45 million in equity, resulting in a capitalization level of 9.34%, which is average.