Unison Credit Union

PO Box 260
Kaukauna, WI 541300260
920-766-6000
www.unisoncu.org

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Unison Credit Union is headquartered in KAUKAUNA and is the 28^th largest credit union in the state of Wisconsin. It is also the 1,005^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 53 employees and 18,885 members. Unison Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Unison Credit Union Routing Number: 275978213

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

Unison Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Checking Plus Account

Unison Credit Union Savings Account Rates

Apy	Min	Max	Product
0.85%	-	-	Health Savings Account
0.40%	-	-	Variable IRA Share Account
0.40%	-	-	Variable Roth IRA Share Account
0.40%	-	-	Variable SEP IRA Account
0.40%	-	-	Variable CESA Account
0.30%	-	-	Regular Saving Account
0.30%	-	-	Christmas Club Account
0.30%	-	-	Property Tax Account
0.30%	-	-	Vacation Club Account
0.30%	-	-	Moola Moola Kids' Club Account
0.30%	-	-	Serious Saving Account
0.30%	-	-	Prom Club Account

Unison Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.55%	$75k	-	Money Market Account

Unison Credit Union CD Rates

Apy	Min	Max	Product
1.70%	$500	-	60 Month CD
1.55%	$500	-	48 Month CD
1.30%	$500	-	36 Month CD
1.20%	$500	-	30 Month CD
1.10%	$500	-	24 Month CD
1.05%	$500	-	18 Month CD
0.90%	$500	-	12 Month CD
0.60%	$500	-	6 Month CD
0.40%	$500	-	90 Day CD

Unison Credit Union IRA Rates

Apy	Min	Max	Product
1.70%	$500	-	60 Month IRA
1.70%	$500	-	60 Month Roth IRA
1.70%	$500	-	60 Month CESA
1.70%	$500	-	60 Month SEP IRA
1.55%	$500	-	48 Month IRA
1.55%	$500	-	48 Month Roth IRA
1.55%	$500	-	48 Month CESA
1.55%	$500	-	48 Month SEP IRA
1.30%	$500	-	36 Month IRA
1.30%	$500	-	36 Month Roth IRA
1.30%	$500	-	36 Month CESA
1.30%	$500	-	36 Month SEP IRA
1.10%	$500	-	24 Month IRA
1.10%	$500	-	24 Month Roth IRA
1.10%	$500	-	24 Month CESA
1.10%	$500	-	24 Month SEP IRA
1.05%	$500	-	18 Month IRA
1.05%	$500	-	18 Month Roth IRA
1.05%	$500	-	18 Month CESA
1.05%	$500	-	18 Month SEP IRA
0.90%	$500	-	12 Month IRA
0.90%	$500	-	12 Month Roth IRA
0.90%	$500	-	12 Month CESA
0.90%	$500	-	12 Month SEP IRA
0.60%	$500	-	6 Month IRA
0.60%	$500	-	6 Month Roth IRA
0.60%	$500	-	6 Month CESA
0.60%	$500	-	6 Month SEP IRA
0.40%	$500	-	90 Day IRA
0.40%	$500	-	90 Day Roth IRA
0.40%	$500	-	90 Day CESA
0.40%	$500	-	90 Day SEP IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

UNISON
NCUA #	66851
BankRate Report	View
Year Chartered	1932
Employees	53
Primary Regulator
Assets and Liabilities
Assets	$160.17 million
Loans	$124.20 million
Deposits	$139.72 million
Equity Capital	$18.44 million
Loan Loss Allowance	$533,000
Unbacked Noncurrent Loans	$714,000
Historic Data - December 2010
Assets	$151.16 million
Equity Capital	$17.86 million
Loan Loss Allowance	$452,000
Unbacked Noncurrent Loans	$637,000
Real Estate Owned	$238,000
Profit Margin - Quarterly
Net Interest Margin	4.16%
Return on Assets	0.36%
Return on Equity	3.14%
Interest Income	$6.17 million
Non-Interest Income	$1.05 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 Unison Credit Union had $714,000 in non-current loans and owned real-estate with $18.97 million in equity and loan loss allowances on hand to cover it. This gives Unison Credit Union a Texas Ratio of 3.76% 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 Unison Credit Union decreased slightly from 4.78% as of December 31, 2010 to 3.76% as of December 31, 2011, resulting in a positive change of 21.24%.This indicates that the balance sheet and financial strength for Unison Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Unison Credit Union has increased its total deposits by $7.99 million, resulting in 6.07% 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 Unison 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. Unison Credit Union has $160.17 million in assets with $18.97 million in equity, resulting in a capitalization level of 11.84%, which is above average.

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