Unison Credit Union
Unison Credit Union is headquartered in Kaukauna and is the 29th largest credit union in the state of Wisconsin. It is also the 1,012st largest credit union in the nation. It was established in 1932 and as of December of 2013, it had grown to 51 employees and 17,771 members. Unison Credit Union's savings rates are 63% higher than the national average, and it has a A health rating.
Field of Membership Restrictions
Must live or work in Outagamie, Calumet, Brown or Manitowoc County or the cities or townships of Neenah or Menasha in Winnebago County. - See Details
Higher Interest Rates On Loans Than Other Credit Unions, Be Sure To Shop Around.
I received a statement in the mail ( every three months) that 5 dollars a month was being taken out as a fee. When I had realized what they were doing, 15 dollars was now withdrawn and now "theirs". Had an account there for many years. They raised the minimum amount that they want members to have in there. If that minimum isn't high enough, it's fee time. Called to complain and get my money back, they thought it would be best if they just kept my money instead. They have my address, phone number etc...If they did not want my business, they could have put all my money in an envelope, closed my account, and said thanks for all the years there. 15 dollars isn't that much money to take from someone, but it is the point. I worked for that money, they did not. The only reason I left my main account with Unison, I go tired of finding lower interest rates with other credit. When I would take out a loan with them, I would have them match another local credit union that wanted my business. So, if you are there now, and you want a fair interest rate, have them match the credit union with the lower rate. If they don't, take your hard earned money to someone else. Remember too, if you have less than a certain amount than they desire in your account, and you don't use your account for a while, your money is now their money
Data for Q4 2013
Institution Health
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, 2013 Unison Credit Union had $864,000 in non-current loans and owned real-estate with $19.39 million in equity and loan loss allowances on hand to cover it. This gives Unison Credit Union a Texas Ratio of 4.46% 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 experienced no significant changes from 3.63% as of December 31, 2012 to 4.46% as of December 31, 2013, resulting in a negative change of 22.67%. This indicates that the balance sheet and financial strength for Unison Credit Union has had no significant changes in recent periods.
Deposit Growth
In the past year, Unison Credit Union has increased its total deposits by $5.05 million, resulting in 3.38% 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 $174.46 million in assets with $19.39 million in equity, resulting in a capitalization level of 11.11%, which is excellent.
Institution Statistics
| Overall | |
|---|---|
| NCUA # | 66851 |
| Year Chartered | 1932 |
| Employees | 51 |
| Primary Regulator |
| Assets and Liabilities | |
|---|---|
| Assets | $174.46 million |
| Loans | $117.24 million |
| Deposits | $154.34 million |
| Equity Capital | $18.81 million |
| Loan Loss Allowance | $584,000 |
| Unbacked Noncurrent Loans | $864,000 |
| Real Estate Owned | $0 |
| Historic Data - December 2012 | |
|---|---|
| Assets | $169.42 million |
| Equity Capital | $18.91 million |
| Loan Loss Allowance | $475,000 |
| Unbacked Noncurrent Loans | $864,000 |
| Real Estate Owned | $296,000 |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.82% |
| Return on Assets | 0.13% |
| Return on Equity | 1.2% |
| Interest Income | $5.15 million |
Always verify rates and promotions with the bank or credit union. We are not Unison Credit Union, we are a rate comparison website and can not provide official rates or promotions.
Unison Credit Union Savings Account Rates
| Details | 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 | |
| 0.20% | - | - | Regular Savings Account | |
| 0.20% | - | - | Christmas Club Account | |
| 0.20% | - | - | Property Tax Account | |
| 0.20% | - | - | Vacation Club Account | |
| 0.20% | - | - | Moola Moola Kids' Club Account | |
| 0.20% | - | - | Serious Savings Account | |
| 0.20% | - | - | Prom Club Account | |
| 0.20% | - | - | Sub Share Savings |
Unison Credit Union Money Market Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.50% | $75k | - | Money Market Account w/ Checking | |
| 0.40% | $75k | - | Money Market Account w/o Checking |
Unison Credit Union Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.10% | - | - | Checking Plus Account |
Unison Credit Union CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.50% | $500 | - | 60 Month CD | |
| 1.40% | $500 | - | 48 Month CD | |
| 1.20% | $500 | - | 36 Month CD | |
| 1.00% | $500 | - | 24 Month CD | |
| 1.00% | $500 | - | 30 Month CD | |
| 0.85% | $500 | - | 18 Month CD | |
| 0.65% | $500 | - | 12 Month CD | |
| 0.40% | $500 | - | 6 Month CD | |
| 0.20% | $500 | - | 90 Day CD |
Unison Credit Union IRA Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.50% | $500 | - | 60 Month IRA (Traditional,Roth,CESA,SEP) | |
| 1.40% | $500 | - | 48 Month IRA (Traditional,Roth,CESA,SEP) | |
| 1.20% | $500 | - | 36 Month IRA (Traditional,Roth,CESA,SEP) | |
| 1.00% | $500 | - | 24 Month IRA (Traditional,Roth,CESA,SEP) | |
| 0.85% | $500 | - | 18 Month IRA (Traditional,Roth,CESA,SEP) | |
| 0.65% | $500 | - | 12 Month IRA (Traditional,Roth,CESA,SEP) | |
| 0.40% | $500 | - | 6 Month IRA (Traditional,Roth,CESA,SEP) | |
| 0.20% | $500 | - | 90 Day IRA (Traditional,Roth,CESA,SEP) |
| Unison Credit Union Locations | ||
|---|---|---|
| Branch Office | 1000 Hyland Ave | Kaukauna, WI 54130 |
| Branch Office | 1402 Freedom Rd | Little Chute, WI 54140 |
| Branch Office | 1701 County Road CE | Kaukauna, WI 54130 |
| Branch Office | 465 School St | Wrightstown, WI 54180-1147 |
| Branch Office | 2001 Freedom Rd | Little Chute, WI 54140 |
| Branch Office | 1616 Crooks Ave | Kaukauna, WI 54130 |