Seaboard Credit Union

PO Box G
Bucksport, ME 04416
www.seaboardfcu.com

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Seaboard Credit Union is headquartered in Bucksport and is the 22^nd largest credit union in the state of Maine. It is also the 1,421^st largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 33 employees and 11,756 members. Seaboard Credit Union has a 4-star health rating.

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

Seaboard Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.00%	-	-	Checking Account (Check 21)

Seaboard Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	Health Savings Account
0.30%	-	-	IRA Account
0.10%	-	-	Savings Account
0.10%	-	-	Christmas Club Account
0.10%	-	-	Monty Moose Youth Savings

Seaboard Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$2,500	-	Money Market Account

Seaboard Credit Union CD Rates

Apy	Min	Max	Product
1.87%	$100k	-	60 Month Premium CD
1.76%	$500	-	60 Month CD
1.76%	$500	-	60 Month CD Business Certificates
1.56%	$100k	-	48 Month Premium CD
1.46%	$500	-	48 Month CD
1.46%	$500	-	48 Month CD Business Certificates
1.26%	$100k	-	36 Month Premium CD
1.16%	$500	-	36 Month CD
1.16%	$500	-	36 Month CD Business Certificates
0.80%	$100k	-	24 Month Premium CD
0.70%	$500	-	24 Month CD
0.70%	$100k	-	18 Month Premium CD
0.70%	$500	-	24 Month CD Business Certificates
0.60%	$500	-	18 Month CD
0.60%	$500	-	18 Month CD Business Certificates
0.50%	$100k	-	12 Month Premium CD
0.40%	$500	-	12 Month CD
0.40%	$100k	-	6 Month Premium CD
0.40%	$500	-	12 Month CD Business Certificates
0.30%	$500	-	6 Month CD
0.30%	$100k	-	3 Month Premium CD
0.30%	$500	-	6 Month CD Business Certificates
0.20%	$500	-	3 Month CD
0.20%	$500	-	3 Month CD Business Certificates

Seaboard Credit Union IRA Rates

Apy	Min	Max	Product
1.87%	$100k	-	60 Month Premium IRA
1.76%	$500	-	60 Month IRA
1.76%	$500	-	60 Month HSA CD
1.56%	$100k	-	48 Month Premium IRA
1.46%	$500	-	48 Month IRA
1.46%	$500	-	48 Month HSA CD
1.26%	$100k	-	36 Month Premium IRA
1.16%	$500	-	36 Month IRA
1.16%	$500	-	36 Month HSA CD
0.80%	$100k	-	24 Month Premium IRA
0.70%	$500	-	24 Month IRA
0.70%	$100k	-	18 Month Premium IRA
0.70%	$500	-	24 Month HSA CD
0.60%	$500	-	18 Month IRA
0.60%	$500	-	18 Month HSA CD
0.50%	$100k	-	12 Month Premium IRA
0.40%	$500	-	12 Month IRA
0.40%	$100k	-	6 Month Premium IRA
0.40%	$500	-	12 Month HSA CD
0.30%	$500	-	6 Month IRA
0.30%	$100k	-	3 Month Premium IRA
0.30%	$500	-	6 Month HSA CD
0.20%	$500	-	3 Month IRA
0.20%	$500	-	3 Month HSA CD

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

SEABOARD
NCUA #	4118
BankRate Report	View
Year Chartered	1940
Employees	33
Primary Regulator
Assets and Liabilities
Assets	$101.38 million
Loans	$79.64 million
Deposits	$91.92 million
Equity Capital	$9.04 million
Loan Loss Allowance	$431,000
Unbacked Noncurrent Loans	$1.84 million
Real Estate Owned	$25,000
Historic Data - December 2010
Assets	$95.45 million
Equity Capital	$8.93 million
Loan Loss Allowance	$250,000
Unbacked Noncurrent Loans	$1.69 million
Real Estate Owned	$108,000
Profit Margin - Quarterly
Net Interest Margin	4.62%
Return on Assets	0.1%
Return on Equity	1.17%
Interest Income	$4.55 million
Non-Interest Income	$1.12 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 December 31, 2011 Seaboard Credit Union had $1.87 million in non-current loans and owned real-estate with $9.47 million in equity and loan loss allowances on hand to cover it. This gives Seaboard Credit Union a Texas Ratio of 19.71% 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 Seaboard Credit Union held steady from 19.53% as of December 31, 2010 to 19.71% as of December 31, 2011, resulting in a negative change of 0.95%. This indicates that the balance sheet and financial strength for Seaboard Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Seaboard Credit Union has increased its total deposits by $5.62 million, resulting in 6.51% 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 Seaboard 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. Seaboard Credit Union has $101.38 million in assets with $9.47 million in equity, resulting in a capitalization level of 9.34%, which is average.

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