1 star ratingAverage User Rating:
1 star rating based on 1 review.

Unison Credit Union

Unison Credit Union Locations
1616 Crooks Ave
Kaukauna, WI 541300260
920-766-6000
www.unisoncu.org

NCUA

Unison Credit Union is headquartered in Kaukauna and is the 29th largest credit union in the state of Wisconsin. It is also the 1,009th largest credit union in the nation. It was established in 1932 and as of December of 2012, it had grown to 49 employees and 18,373 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

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0.20%--Checking Plus Account

Unison Credit Union Savings Account Rates

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0.85%--Moola Moola Kids' Club 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%--Serious Savings Account
0.20%--Prom Club Account
0.20%--Health Savings Account
0.10%--Sub Share Savings

Unison Credit Union Money Market Rates

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0.50%$75k-Money Market Account w/ Checking
0.40%$75k-Money Market Account w/o Checking

Unison Credit Union CD Rates

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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

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1.50%$500-60 Month IRA
1.50%$500-60 Month Roth IRA
1.50%$500-60 Month CESA
1.50%$500-60 Month SEP IRA
1.40%$500-48 Month IRA
1.40%$500-48 Month Roth IRA
1.40%$500-48 Month CESA
1.40%$500-48 Month SEP IRA
1.20%$500-36 Month IRA
1.20%$500-36 Month Roth IRA
1.20%$500-36 Month CESA
1.20%$500-36 Month SEP IRA
1.00%$500-24 Month IRA
1.00%$500-24 Month Roth IRA
1.00%$500-24 Month CESA
1.00%$500-24 Month SEP IRA
0.85%$500-18 Month IRA
0.85%$500-18 Month Roth IRA
0.85%$500-18 Month CESA
0.85%$500-18 Month SEP IRA
0.65%$500-12 Month IRA
0.65%$500-12 Month Roth IRA
0.65%$500-12 Month CESA
0.65%$500-12 Month SEP IRA
0.40%$500-6 Month IRA
0.40%$500-6 Month Roth IRA
0.40%$500-6 Month CESA
0.40%$500-6 Month SEP IRA
0.20%$500-90 Day IRA
0.20%$500-90 Day Roth IRA
0.20%$500-90 Day CESA
0.20%$500-90 Day SEP IRA

Rates updated: 5/18/2013

Data for Q4 2012


Institution Statistics


UNISON
NCUA #66851
BankRate ReportView
Year Chartered1932
Employees49
Primary Regulator

Assets and Liabilities

Assets$169.42 million
Loans$122.77 million
Deposits$149.30 million
Equity Capital$18.91 million
Loan Loss Allowance$475,000
Unbacked Noncurrent Loans$408,000
Real Estate Owned$296,000

Historic Data - December 2011

Assets$160.17 million
Equity Capital$18.44 million
Loan Loss Allowance$533,000
Unbacked Noncurrent Loans$714,000

Profit Margin - Quarterly

Net Interest Margin3.93%
Return on Assets0.28%
Return on Equity2.47%
Interest Income$5.57 million
Non-Interest Income$1.23 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Unison Credit Union had $704,000 in non-current loans and owned real-estate with $19.38 million in equity and loan loss allowances on hand to cover it. This gives Unison Credit Union a Texas Ratio of 3.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Unison Credit Union held steady from 3.76% as of December 31, 2011 to 3.63% as of December 31, 2012, resulting in a positive change of 3.49%.This indicates that the balance sheet and financial strength for Unison Credit Union has held steady in recent periods.
Deposit Growth5
In the past year, Unison Credit Union has increased its total deposits by $9.57 million, resulting in 6.85% 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.
Capitalization4
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 $169.42 million in assets with $19.38 million in equity, resulting in a capitalization level of 11.44%, which is above average.
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Higher Interest Rates On Loans Than Other Credit Unions, Be Sure To Shop Around.
1 stars - MoneyTaken - Thursday, January 10, 2013 - 7:27 AM

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

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