Woodstone Credit Union

1825 South 316th Street
Federal Way, WA 98003--543
(253) 925-6800
www.woodstonecu.org

NCUA

OverView
Rates
Health
Reviews

Woodstone Credit Union is headquartered in Federal Way and is the 41^st largest credit union in the state of Washington. It is also the 1,550^th largest credit union in the nation. It was established in 1941 and as of December of 2012, it had grown to 22 employees and 10,901 members. Woodstone Credit Union has a 5-star health rating.

2.12% 21-Month Bump & Add-on CD at Woodstone Credit Union in WA - Local Only - 12/4/2009

Woodstone Credit Union has a pretty good deal on its special 21-month certificate. The rate is 2.12% APY, and it allows a one-time bump up in the rate and a one-time add-on deposit. Minimum deposit is $2,500. There's also a similar 13-month CD special...

Report an Issue

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

Woodstone Credit Union Checking Account Rates

Apy	Min	Max	Product
2.00%	-	$10k	Tandem Checking
0.05%	$4k	-	Interest Checking

Woodstone Credit Union Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$5k	Tandem Savings
0.15%	$40k	-	Savings
0.15%	$40k	-	Savings II
0.05%	-	-	Holiday Savings
0.05%	-	-	Health Savings Account
0.05%	$25	-	IRA Savings
0.05%	$25	-	CESA Savings

Woodstone Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$50k	-	Flexible Performance Money Market

Woodstone Credit Union CD Rates

Apy	Min	Max	Product
0.50%	$1k	-	3 Year Certificate - Monthly
0.50%	$1k	-	3 Year Certificate - Quarterly
0.40%	$1k	-	2 Year Certificate - Monthly
0.40%	$1k	-	2 Year Certificate - Quarterly
0.35%	$2,500	-	21 Month Bump Certificate - Monthly
0.25%	$2,500	-	13 Month Bump and Boost Certificate - Monthly
0.25%	$2,500	-	18 Month Bump Certificate - Monthly
0.25%	$2,500	-	18 Month Bump Certificate - Quarterly
0.20%	$1k	-	1 Year Certificate - Monthly
0.20%	$1k	-	1 Year Certificate- At Maturity
0.10%	$1k	-	6 Month Certificate - Monthly
0.10%	$1k	-	6 Month Certificate - At Maturity

Woodstone Credit Union IRA Rates

Apy	Min	Max	Product
0.50%	$500	-	3 Year IRA - Monthly
0.50%	$500	-	3 Year IRA - Quarterly
0.50%	$500	-	3 Year Roth IRA - Monthly
0.50%	$500	-	3 Year Roth IRA - Quarterly
0.50%	$500	-	3 Year CESA - Monthly
0.50%	$500	-	3 Year CESA - Quarterly
0.40%	$500	-	2 Year IRA - Monthly
0.40%	$500	-	2 Year IRA - Quarterly
0.40%	$500	-	2 Year Roth IRA - Monthly
0.40%	$500	-	2 Year Roth IRA - Quarterly
0.40%	$500	-	2 Year CESA - Monthly
0.40%	$500	-	2 Year CESA - Quarterly
0.35%	$2,500	-	21 Month Bump IRA - Monthly
0.35%	$2,500	-	21 Month Bump Roth IRA - Monthly
0.35%	$2,500	-	21 Month Bump CESA - Monthly
0.25%	$2,500	-	13 Month Bump and Boost IRA - Monthly
0.25%	$2,500	-	18 Month Bump IRA - Monthly
0.25%	$2,500	-	18 Month Bump IRA - Quarterly
0.25%	$2,500	-	13 Month Bump and Boost Roth IRA - Monthly
0.25%	$2,500	-	18 Month Bump Roth IRA - Monthly
0.25%	$2,500	-	18 Month Bump Roth IRA - Quarterly
0.25%	$2,500	-	13 Month Bump and Boost CESA - Monthly
0.25%	$2,500	-	18 Month Bump CESA - Monthly
0.25%	$2,500	-	18 Month Bump CESA - Quarterly
0.20%	$500	-	1 Year IRA - Quarterly
0.20%	$500	-	1 Year IRA - Monthly
0.20%	$500	-	1 Year Roth IRA - Monthly
0.20%	$500	-	1 Year Roth IRA - Quarterly
0.20%	$500	-	1 Year CESA - Monthly
0.20%	$500	-	1 Year CESA - Quarterly
0.10%	$500	-	6 Month IRA - At Maturity
0.10%	$500	-	6 Month IRA - Monthly
0.10%	$500	-	6 Month Roth IRA - At Maturity
0.10%	$500	-	6 Month Roth IRA - Monthly
0.10%	$500	-	6 Month CESA - At Maturity
0.10%	$500	-	6 Month CESA - Monthly

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

WOODSTONE
NCUA #	60613
BankRate Report	View
Year Chartered	1941
Employees	22
Primary Regulator
Assets and Liabilities
Assets	$91.23 million
Loans	$54.59 million
Deposits	$79.84 million
Equity Capital	$10.22 million
Loan Loss Allowance	$530,000
Unbacked Noncurrent Loans	$676,000
Historic Data - December 2011
Assets	$87.59 million
Equity Capital	$9.88 million
Loan Loss Allowance	$841,000
Unbacked Noncurrent Loans	$441,000
Profit Margin - Quarterly
Net Interest Margin	5.04%
Return on Assets	0.36%
Return on Equity	3.18%
Interest Income	$3.18 million
Non-Interest Income	$1.08 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 Woodstone Credit Union had $676,000 in non-current loans and owned real-estate with $10.75 million in equity and loan loss allowances on hand to cover it. This gives Woodstone Credit Union a Texas Ratio of 6.29% 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 Woodstone Credit Union held steady from 4.11% as of December 31, 2011 to 6.29% as of December 31, 2012, resulting in a negative change of 52.96%. This indicates that the balance sheet and financial strength for Woodstone Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Woodstone Credit Union has increased its total deposits by $2.85 million, resulting in 3.7% 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 Woodstone 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. Woodstone Credit Union has $91.23 million in assets with $10.75 million in equity, resulting in a capitalization level of 11.78%, which is above average.