North Western Employees Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.91%	1-year CD	2.75% - Barclays 12 Month Online CD
0.60%	Savings	0.27% - National Average
2.47%	4-year CD	2.90% - Barclays 48 Month Online CD

View all North Western Employees Credit Union rates »

Overview / Commentary

www.nwecu.org

712-328-2787

1411 W Broadway
Council Bluffs, IA 51501-3922

North Western Employees Credit Union is headquartered in Council Bluffs and is the 66^th largest credit union in the state of Iowa. It is also the 4,350^th largest credit union in the nation. It was established in 1941 and as of December of 2018, it had grown to 2 employees and 1,202 members at 1 location. North Western Employees Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the Union Pacific Railroad who live or work in Boone, Ames, Cedar Rapids, Marshalltown, Council Bluffs, Sergeant Bluff, Missouri Valley, Mason City, Eagle Grove, Fort Dodge, Des Moines, Trenton, Estherville, Oelwein, and Clinton, Iowa or in Fremont, Nebraska. Membership is also open to employees of Shenandoah Medical Center, Cooks, Add it Up Tax Service, and Ameriserve.
See current membership details

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Health

Data as of Q4 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. North Western Employees Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	64282
Year Chartered	1941
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	1.04%
Return on Equity - YTD	4.78%
Annual Interest Income	$282.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$7.1MM$7.3MM
Loans	Q4 2018vs Q4 2017	$4.7MM$4.2MM
Deposits	Q4 2018vs Q4 2017	$5.6MM$5.8MM
Equity Capital	Q4 2018vs Q4 2017	$1.6MM$1.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$80.00K$73.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$11.00K$18.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Western Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	IRA Shares
0.70%	$100	-	Christmas Shares
0.60%	$100	-	Regular Shares

North Western Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$5k	-	30 Month CD
2.47%^*	$10k^*	-	48 Month CD
OTHER TIERS: 2.37% → $1k - $10k
2.37%^*	$10k^*	-	36 Month CD
OTHER TIERS: 2.27% → $1k - $10k
2.17%^*	$10k^*	-	24 Month CD
OTHER TIERS: 2.07% → $1k - $10k
1.91%^*	$10k^*	-	12 Month CD
OTHER TIERS: 1.81% → $1k - $10k

Locations

North Western Employees Credit Union Locations
Branch Office	1411 W Broadway	Council Bluffs, IA 51501-3922

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