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Overview / Commentary
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 2,428th largest credit union in the nation. It was established in 1966 and as of December of 2016, it had grown to 10 employees and 4,810 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.
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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

NCUA #63399
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD9.31%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$45.5MM$43.1MM
LoansQ4 2016vs Q4 2015$28.7MM$25.4MM
DepositsQ4 2016vs Q4 2015$40.3MM$38.5MM
Equity CapitalQ4 2016vs Q4 2015$5.2MM$4.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$55.00K$69.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$222.00K$92.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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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

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

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.45% $1k - $50k

N.W. Iowa Credit Union Checking Account Rates

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

N.W. Iowa Credit Union CD Rates

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 Special
0.65%*$10k*-12 Month CD
OTHER TIERS: 0.50% $1k - $10k
0.50%*$10k*-6 Month CD
OTHER TIERS: 0.45% $1k - $10k

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