Workmen's Circle Credit Union

527 Stephenson Ave
Savannah, GA 31405
912-356-9225
www.workmenscirclecu.com

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Workmen's Circle Credit Union is headquartered in SAVANNAH and is the 40^th largest credit union in the state of Georgia. It is also the 2,278^th largest credit union in the nation. It was established in 1988 and as of September of 2011, it had grown to 4 employees and 1,164 members. Workmen's Circle Credit Union's money market rates are 4X the national average, and it boasts a 5-star health rating.

2.50% 12-Month CD at Workmen's Circle Credit Union in Georgia - Local Only - 2/13/2010

Workmen's Circle Credit Union is offering some very competitive short- and mid-term CD rates. The rates listed in the credit union's CD rate table as of 2/13/2010 include: 2.01% APY 6 month CD ...

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

Workmen's Circle Credit Union Savings Account Rates

Apy	Min	Max	Product
0.90%	$2,500	-	Regular IRA Savings Account
0.90%	$2,500	-	Roth IRA Savings Account
0.90%	$2,500	-	CESA Savings Account
0.65%	$2,500	-	Regular Share Savings Account
0.65%	$2,500	-	Business Share Savings Account

Workmen's Circle Credit Union Money Market Rates

Apy	Min	Max	Product
1.65%	$1m	-	Share Money Market
1.65%	$1m	-	IRA Money Market
1.65%	$1m	-	Business Share Money Market
1.65%	$1m	-	Roth IRA Money Market
1.65%	$1m	-	CESA Money Market

Workmen's Circle Credit Union CD Rates

Apy	Min	Max	Product
1.04%	$5k	-	12 Month CD
1.04%	$5k	-	15 Month CD
1.04%	$5k	-	24 Month CD
1.04%	$5k	-	12 Month Business CD
1.04%	$5k	-	15 Month Business CD
1.04%	$5k	-	24 Month Business CD
0.80%	$1k	-	12 Month CD
0.80%	$1k	-	15 Month Business CD
0.80%	$1k	-	24 Month Business CD
0.80%	$1k	-	12 Month Business CD
0.80%	$1k	-	15 Month CD
0.80%	$1k	-	24 Month CD
0.65%	$5k	-	6 Month CD
0.65%	$5k	-	6 Month Business CD
0.40%	$1k	-	6 Month CD
0.40%	$1k	-	6 Month Business CD

Workmen's Circle Credit Union IRA Rates

Apy	Min	Max	Product
1.04%	$5k	-	12 Month IRA
1.04%	$5k	-	15 Month IRA
1.04%	$5k	-	24 Month IRA
1.04%	$5k	-	12 Month Roth IRA
1.04%	$5k	-	15 Month Roth IRA
1.04%	$5k	-	24 Month Roth IRA
1.04%	$5k	-	12 Month CESA
1.04%	$5k	-	15 Month CESA
1.04%	$5k	-	24 Month CESA
0.80%	$1k	-	12 Month IRA
0.80%	$1k	-	12 Month Roth IRA
0.80%	$1k	-	12 Month CESA
0.80%	$1k	-	15 Month IRA
0.80%	$1k	-	15 Month Roth IRA
0.80%	$1k	-	15 Month CESA
0.80%	$1k	-	24 Month IRA
0.80%	$1k	-	24 Month Roth IRA
0.80%	$1k	-	24 Month CESA
0.65%	$5k	-	6 Month IRA
0.65%	$5k	-	6 Month Roth IRA
0.65%	$5k	-	6 Month CESA
0.40%	$1k	-	6 Month IRA
0.40%	$1k	-	6 Month Roth IRA
0.40%	$1k	-	6 Month CESA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

WORKMEN'S CIRCLE INCORPORATED
NCUA #	67892
BankRate Report	View
Year Established	1988
Employees	4
Primary Regulator
Assets and Liabilities
Assets	$48.19 million
Loans	$35.29 million
Deposits	$42.62 million
Equity Capital	$5.48 million
Loan Loss Allowance	$968,000
Historic Data - September 2010
Assets	$43.22 million
Equity Capital	$4.80 million
Loan Loss Allowance	$640,000
Profit Margin - Quarterly
Net Interest Margin	3.55%
Return on Assets	1.57%
Return on Equity	13.79%
Interest Income	$1.57 million
Non-Interest Income	$71,000

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 September 30, 2011 Workmen's Circle Credit Union had $0 in non-current loans and owned real-estate with $6.45 million in equity and loan loss allowances on hand to cover it. This gives Workmen's Circle Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Workmen's Circle Credit Union has increased its total deposits by $4.24 million, resulting in 11.06% 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 Workmen's Circle 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. Workmen's Circle Credit Union has $48.19 million in assets with $6.45 million in equity, resulting in a capitalization level of 13.39%, which is excellent.

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Workmen's Circle Credit Union

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