Via Credit Union

4505 S Adams
Marion, IN 46953
1-877-673-3284
www.viacu.org

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Via Credit Union is headquartered in Marion and is the 21^st largest credit union in the state of Indiana. It is also the 698^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 75 employees and 23,576 members. Via Credit Union's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

Top Mid-Term & Long-Term CD Rates at Via Credit Union in Indiana - 5/11/2012

Via Credit Union is offering some competitive rates on its mid-term and long-term CDs. First, there's a special 33-month CD and IRA CD with a 1.75% APY. Minimum deposit is $10,000. The credit union al ...

Special 33-Month CD at Via Credit Union in Indiana - Local Only - 2/23/2011

Via Credit Union is offering a special 2.21% APY 33-month CD and IRA CD. Minimum deposit is $10,000. The credit union also has some competitive standard CD and IRA CD rates including a 2.83% APY 5-yea ...

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

Via Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	-	-	Membership Shares
0.35%	-	-	Secondary Shares
0.35%	-	-	Christmas Club

Via Credit Union Money Market Rates

Apy	Min	Max	Product
0.80%	$25k	-	Money Market IRA
0.80%	$25k	-	Money Market HSA
0.80%	$100k	-	Premier Money Market
0.65%	$25k	-	Money Market

Via Credit Union CD Rates

Apy	Min	Max	Product
2.27%	$500	-	60-71 Month Share Certificate
2.12%	$500	-	48-59 Month Share Certificate
1.75%	$10k	-	33 Month Special Share Certificate
1.66%	$500	-	36-47 Month Share Certificate
1.25%	$500	-	30-35 Month Share Certificate
1.10%	$500	-	24-29 Month Share Certificate
0.80%	$500	-	18-23 Month Share Certificate
0.70%	$1,200	-	ViaStart Up Share Certificate
0.70%	$500	-	12-17 Month Share Certificate
0.55%	$1k	-	6-11 Month Share Certificate
0.40%	$1k	-	3-5 Month Share Certificate

Via Credit Union IRA Rates

Apy	Min	Max	Product
2.27%	$500	-	60-71 Month IRA Certificate
2.27%	$500	-	60-71 Month HSA Certificate
2.12%	$500	-	48-59 Month IRA Certificate
2.12%	$500	-	48-59 Month HSA Certificate
1.75%	$10k	-	33 Month Special IRA Certificate
1.75%	$10k	-	33 Month Special HSA Certificate
1.66%	$500	-	36-47 Month IRA Certificate
1.66%	$500	-	36-47 Month HSA Certificate
1.25%	$500	-	30-35 Month IRA Certificate
1.25%	$500	-	30-35 Month HSA Certificate
1.10%	$500	-	24-29 Month IRA Certificate
1.10%	$500	-	24-29 Month HSA Certificate
0.80%	$500	-	18-23 Month IRA Certificate
0.80%	$500	-	18-23 Month HSA Certificate
0.70%	$500	-	12-17 Month IRA Certificate
0.70%	$500	-	12-17 Month HSA Certificate
0.55%	$1k	-	6-11 Month IRA Certificate
0.55%	$1k	-	6-11 Month HSA Certificate
0.40%	$1k	-	3-5 Month IRA Certificate
0.40%	$1k	-	3-5 Month HSA Certificate

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

VIA CREDIT UNION
NCUA #	68572
BankRate Report	View
Year Chartered	1936
Employees	75
Primary Regulator
Assets and Liabilities
Assets	$267.03 million
Loans	$111.36 million
Deposits	$234.81 million
Equity Capital	$30.41 million
Loan Loss Allowance	$974,000
Unbacked Noncurrent Loans	$1.03 million
Real Estate Owned	$48,000
Historic Data - December 2010
Assets	$253.94 million
Equity Capital	$28.91 million
Loan Loss Allowance	$829,000
Unbacked Noncurrent Loans	$1.22 million
Real Estate Owned	$18,000
Profit Margin - Quarterly
Net Interest Margin	5.66%
Return on Assets	0.56%
Return on Equity	4.94%
Interest Income	$9.87 million
Non-Interest Income	$2.68 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 Via Credit Union had $1.08 million in non-current loans and owned real-estate with $31.39 million in equity and loan loss allowances on hand to cover it. This gives Via Credit Union a Texas Ratio of 3.43% 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 Via Credit Union decreased slightly from 4.17% as of December 31, 2010 to 3.43% as of December 31, 2011, resulting in a positive change of 17.56%.This indicates that the balance sheet and financial strength for Via Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Via Credit Union has increased its total deposits by $11.61 million, resulting in 5.2% 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 Via 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. Via Credit Union has $267.03 million in assets with $31.39 million in equity, resulting in a capitalization level of 11.75%, which is above average.

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Via Credit Union

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