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Overview / Commentary
712-546-7676
1411 Industrial Rd SW
Le Mars, IA 51031

N.W. Iowa Credit Union is headquartered in Le Mars and is the 35th largest credit union in the state of Iowa. It is also the 2,439th largest credit union in the nation. It was established in 1966 and as of September of 2016, it had grown to 10 employees and 4,794 members at 1 location. N.W. Iowa Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Plymouth, Woodbury, O'Brian, Cherokee, Union, and Sioux Counties in Iowa.
See current membership details

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Health
B+
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. N.W. Iowa Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #63399
Year Chartered1966
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD9.64%
Annual Interest Income$988.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$44.9MM$42.0MM
LoansQ3 2016vs Q3 2015$28.4MM$25.6MM
DepositsQ3 2016vs Q3 2015$39.8MM$37.4MM
Equity CapitalQ3 2016vs Q3 2015$5.1MM$4.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$65.00K$68.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$115.00K$116.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

N.W. Iowa Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$100k*-IRA (Regular)
OTHER TIERS: 0.85% Up to $50k | 1.00% $50k - $100k
0.35%*$1k*-Regular Savings
OTHER TIERS: 0.25% Up to $1k
0.30%--Kirby Club
0.25%--Christmas Club

N.W. Iowa Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-Money Market Account
OTHER TIERS: 0.40% $1k - $50k

N.W. Iowa Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$1k*-Share Drafts Account
OTHER TIERS: 0.20% Up to $1k

N.W. Iowa Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%*$10k*-36 Month CD
OTHER TIERS: 1.15% $1k - $10k
1.10%*$10k*-24 Month CD
OTHER TIERS: 0.80% $1k - $10k
1.00%$5k-18 Month CD
0.65%*$10k*-12 Month CD
OTHER TIERS: 0.50% $1k - $10k
0.35%*$10k*-6 Month CD
OTHER TIERS: 0.30% $1k - $10k
Locations


N.W. Iowa Credit Union Locations
Branch Office1411 Industrial Rd SWLe Mars, IA 51031