Westconsin Credit Union

Po Box 160
Menomonie, WI 54751
(800) 924-0022
www.westconsincu.org

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Westconsin Credit Union is headquartered in MENOMONIE and is the 10^st largest credit union in the state of Wisconsin. It is also the 265^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 216 employees and 67,738 members. Westconsin Credit Union has a 5-star health rating.

Westconsin Credit Union Routing Number: 291880589

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

Westconsin Credit Union Checking Account Rates

Apy	Min	Max	Product
2.53%	-	$15k	AddsUp Checking - Qualifying
0.10%	-	-	Preferred Checking Account
0.10%	$200	-	Select Checking Account

Westconsin Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$10k	-	Health Savings Account
0.20%	$4k	-	Membership Savings Accounts with Life Insurance
0.20%	-	-	Savings
0.20%	-	-	Christmas Club
0.20%	-	-	Funeral Trust
0.20%	-	-	Membership Savings

Westconsin Credit Union Money Market Rates

Apy	Min	Max	Product
0.65%	$100k	-	Money Market Checking Account
0.65%	$100k	-	Money Market Savings Account
0.65%	$25k	-	Achieve Money Market

Westconsin Credit Union CD Rates

Apy	Min	Max	Product
2.07%	$1k	-	60 Month CD - Gold MVP
1.87%	$1k	-	60 Month CD - Silver MVP
1.81%	$1k	-	48 Month CD - Gold MVP
1.71%	$1k	-	60 Month CD - Basic MVP
1.61%	$1k	-	48 Month CD - Silver MVP
1.61%	$1k	-	36 Month CD - Gold MVP
1.46%	$1k	-	48 Month CD - Basic MVP
1.41%	$1k	-	36 Month CD - Silver MVP
1.41%	$1k	-	24 Month CD - Gold MVP
1.41%	$5k	-	36 Month Step-Up CD - Gold MVP
1.26%	$1k	-	36 Month CD - Basic MVP
1.21%	$1k	-	24 Month CD - Silver MVP
1.21%	$5k	-	36 Month Step-Up CD - Silver MVP
1.16%	$1k	-	18 Month CD - Silver MVP
1.06%	$1k	-	24 Month CD - Basic MVP
1.06%	$5k	-	36 Month Step-Up CD - Basic MVP
0.95%	$1k	-	18 Month CD - Gold MVP
0.90%	$1k	-	12 Month CD - Gold MVP
0.85%	$500	-	12 Month Fixed Rate Health Savings - Silver MVP
0.80%	$1k	-	18 Month CD - Basic MVP
0.70%	$1k	-	12 Month CD - Silver MVP
0.65%	$1k	-	6 Month CD - Gold MVP
0.65%	$500	-	12 Month Fixed Rate Health Savings - Gold MVP
0.55%	$1k	-	12 Month CD - Basic MVP
0.50%	$500	-	12 Month Fixed Rate Health Savings - Basic MVP
0.50%	$5k	-	3 Month CD - Gold MVP
0.45%	$1k	-	6 Month CD - Silver MVP
0.30%	$1k	-	6 Month CD - Basic MVP
0.30%	$5k	-	3 Month CD - Silver MVP
0.15%	$5k	-	3 Month CD - Basic MVP

Westconsin Credit Union IRA Rates

Apy	Min	Max	Product
2.02%	$500	-	60 Month Fixed Rate IRA - Gold MVP
2.02%	$500	-	60 Month Fixed Rate Roth IRA - Gold MVP
1.81%	$500	-	60 Month Fixed Rate IRA - Silver MVP
1.81%	$500	-	60 Month Fixed Rate Roth IRA - Silver MVP
1.66%	$500	-	60 Month Fixed Rate IRA - Basic MVP
1.66%	$500	-	60 Month Fixed Rate Roth IRA - Basic MVP
1.11%	$500	-	18 Month Fixed Rate IRA - Gold MVP
1.11%	$500	-	18 Month Fixed Rate Roth IRA - Gold MVP
0.90%	$500	-	18 Month Fixed Rate IRA - Silver MVP
0.90%	$500	-	18 Month Fixed Rate Roth IRA - Silver MVP
0.75%	$500	-	18 Month Fixed Rate IRA - Basic MVP
0.75%	$50	-	18 Month Variable Rate IRA - Basic MVP
0.75%	$50	-	18 Month Variable Rate IRA - Silver MVP
0.75%	$50	-	18 Month Variable Rate IRA - Gold MVP
0.75%	$500	-	18 Month Fixed Rate Roth IRA - Basic MVP
0.75%	$50	-	18 Month Variable Rate Roth IRA - Basic MVP
0.75%	$50	-	18 Month Variable Rate Roth IRA - Gold MVP
0.75%	$50	-	18 Month Variable Rate Roth IRA - Silver MVP

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

WESTCONSIN
NCUA #	66742
BankRate Report	View
Year Chartered	1939
Employees	216
Primary Regulator
Assets and Liabilities
Assets	$743.29 million
Loans	$579.09 million
Deposits	$663.09 million
Equity Capital	$74.54 million
Loan Loss Allowance	$9.33 million
Unbacked Noncurrent Loans	$8.81 million
Real Estate Owned	$1.71 million
Historic Data - December 2010
Assets	$701.90 million
Equity Capital	$69.05 million
Loan Loss Allowance	$7.01 million
Unbacked Noncurrent Loans	$13.23 million
Real Estate Owned	$2.62 million
Profit Margin - Quarterly
Net Interest Margin	4.27%
Return on Assets	0.65%
Return on Equity	6.44%
Interest Income	$32.93 million
Non-Interest Income	$17.37 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 Westconsin Credit Union had $10.52 million in non-current loans and owned real-estate with $83.87 million in equity and loan loss allowances on hand to cover it. This gives Westconsin Credit Union a Texas Ratio of 12.54% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Westconsin Credit Union decreased slightly from 20.85% as of December 31, 2010 to 12.54% as of December 31, 2011, resulting in a positive change of 39.85%.This indicates that the balance sheet and financial strength for Westconsin Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Westconsin Credit Union has increased its total deposits by $35.34 million, resulting in 5.63% 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 Westconsin 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. Westconsin Credit Union has $743.29 million in assets with $83.87 million in equity, resulting in a capitalization level of 11.28%, which is above average.

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