Wildfire Credit Union

6640 Bay Rd
Saginaw, MI 48604
(989) 249-8200
www.wildfirecu.org

NCUA

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Wildfire Credit Union is headquartered in Saginaw and is the 11^st largest credit union in the state of Michigan. It is also the 314^st largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 113 employees and 37,578 members. Wildfire Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Special Long-Term CD Rate at Wildfire Credit Union in Michigan - Local Only - 3/30/2011

Wildfire Credit Union is offering a special 58-month CD with a 2.75% APY. Minimum deposit is $2,000. This special CD is listed in the credit union's rates page as of 3/30/2011. Above the rate table it ...

Hot 6-Year CD Rate at Wildfire Credit Union in Michigan - Local Only - 10/22/2010

Wildfire Credit Union is offering a hot 6-year CD special. It's a 72-month CD with a 4.00% APY and a $2,000 minimum deposit. It's a grand-opening special for the credit union's new Bay City Branch tha ...

72-Mo Bay City Branch Grand-Opening Special ---- 4% Through10-30-10 (Forum) - 10/21/2010

72-Mo Bay City Branch Grand-Opening Special ---- 3.928/4% through 10-30-10. 2K min. to open. Wildfire Credit Union: Rates & Fees Not mentioned on the above is on the front page after clicking on "Deposit". This says "5 Year "Bump-Up"

Top Long-Term CDs at Wildfire Credit Union in Michigan - Local Only - 9/19/2010

Wildfire Credit Union is offering two very competitive long-term CD rates: 3.05% APY 55-month CD special and a 3.25% APY 60-month CD. Minimum deposit is $2,000. These rates are listed in the credit un ...

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See Rates for: Checking | Savings | CD | IRA

Wildfire Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Checking Account

Wildfire Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	IRA Account
0.75%	-	-	Roth IRA Account
0.75%	-	-	SEP IRA Account
0.75%	-	-	CESA Account
0.37%	$100k	-	High-Yield Deposit Account
0.25%	-	-	Share Account
0.25%	-	-	Vacation Club Account
0.25%	-	-	Christmas Club
0.23%	$10k	-	Health Savings Account

Wildfire Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$2k	-	60 Month CD
1.35%	$2k	-	54 Month CD Special
1.15%	$2k	-	48-59 Month CD
0.75%	$2k	-	36-47 Month CD
0.55%	$2k	-	24-35 Month CD
0.47%	$2k	-	18-23 Month CD
0.45%	$2k	-	12-17 Month CD
0.40%	$2k	-	6-11 Month CD

Wildfire Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$2k	-	60 Month CESA
1.50%	$2k	-	60 Month SEP IRA
1.50%	$2k	-	60 Month IRA
1.50%	$2k	-	60 Month Roth IRA
1.35%	$2k	-	54 Month Roth IRA Special
1.35%	$2k	-	54 Month CESA Special
1.35%	$2k	-	54 Month SEP IRA Special
1.35%	$2k	-	54 Month IRA Special
1.15%	$2k	-	48-59 Month CESA
1.15%	$2k	-	48-59 Month SEP IRA
1.15%	$2k	-	48-59 Month IRA
1.15%	$2k	-	48-59 Month Roth IRA
0.75%	$2k	-	36-47 Month CESA
0.75%	$2k	-	36-47 Month SEP IRA
0.75%	$2k	-	36-47 Month IRA
0.75%	$2k	-	36-47 Month Roth IRA
0.55%	$2k	-	24-35 Month CESA
0.55%	$2k	-	24-35 Month SEP IRA
0.55%	$2k	-	24-35 Month IRA
0.55%	$2k	-	24-35 Month Roth IRA
0.47%	$2k	-	18-23 Month CESA
0.47%	$2k	-	18-23 Month SEP IRA
0.47%	$2k	-	18-23 Month IRA
0.47%	$2k	-	18-23 Month Roth IRA
0.45%	$2k	-	12-17 Month CESA
0.45%	$2k	-	12-17 Month SEP IRA
0.45%	$2k	-	12-17 Month IRA
0.45%	$2k	-	12-17 Month Roth IRA
0.40%	$2k	-	6-11 Month CESA
0.40%	$2k	-	6-11 Month SEP IRA
0.40%	$2k	-	6-11 Month IRA
0.40%	$2k	-	6-11 Month Roth IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

WILDFIRE
NCUA #	60057
BankRate Report	View
Year Chartered	1937
Employees	113
Primary Regulator
Assets and Liabilities
Assets	$677.49 million
Loans	$280.67 million
Deposits	$579.12 million
Equity Capital	$90.50 million
Loan Loss Allowance	$2.28 million
Unbacked Noncurrent Loans	$2.60 million
Real Estate Owned	$269,000
Historic Data - December 2011
Assets	$652.38 million
Equity Capital	$82.05 million
Loan Loss Allowance	$2.33 million
Unbacked Noncurrent Loans	$2.66 million
Real Estate Owned	$790,000
Profit Margin - Quarterly
Net Interest Margin	4.95%
Return on Assets	0.48%
Return on Equity	3.62%
Interest Income	$26.47 million
Non-Interest Income	$5.16 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, 2012 Wildfire Credit Union had $2.87 million in non-current loans and owned real-estate with $92.78 million in equity and loan loss allowances on hand to cover it. This gives Wildfire Credit Union a Texas Ratio of 3.10% 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 Wildfire Credit Union decreased slightly from 4.09% as of December 31, 2011 to 3.10% as of December 31, 2012, resulting in a positive change of 24.27%.This indicates that the balance sheet and financial strength for Wildfire Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Wildfire Credit Union has increased its total deposits by $17.21 million, resulting in 3.06% 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 Wildfire Credit Union has shown is above average.
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. Wildfire Credit Union has $677.49 million in assets with $92.78 million in equity, resulting in a capitalization level of 13.69%, which is excellent.