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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 36th largest credit union in the state of Iowa. It is also the 2,377th largest credit union in the nation. It was established in 1966 and as of December of 2017, it had grown to 10 employees and 4,864 members at 1 location. N.W. Iowa Credit Union's CD rates are 39% 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 - YTD1.37%
Return on Equity - YTD11.05%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$47.3MM$45.5MM
LoansQ4 2017vs Q4 2016$31.9MM$28.7MM
DepositsQ4 2017vs Q4 2016$41.4MM$40.3MM
Equity CapitalQ4 2017vs Q4 2016$5.8MM$5.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$36.00K$55.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$118.00K$222.00K
Real Estate OwnedQ4 2017vs Q4 2016$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

1.36%*$100k*-IRA (Regular)
OTHER TIERS: 1.00% Up to $50k | 1.16% $50k - $100k
0.45%*$1k*-Regular Savings
OTHER TIERS: 0.35% Up to $1k
0.40%--Kirby Club
0.35%--Christmas Club

N.W. Iowa Credit Union Money Market Rates

0.60%*$50k*-Money Market Account
OTHER TIERS: 0.55% $1k - $50k

N.W. Iowa Credit Union Checking Account Rates

0.35%*$1k*-Share Drafts Account
OTHER TIERS: 0.30% Up to $1k

N.W. Iowa Credit Union CD Rates

2.01%$5k-21 Month CD Special
1.76%*$10k*-36 Month CD
OTHER TIERS: 1.46% $1k - $10k
1.51%*$10k*-24 Month CD
OTHER TIERS: 1.20% $1k - $10k
1.25%*$10k*-12 Month CD
OTHER TIERS: 1.00% $1k - $10k
0.75%*$10k*-6 Month CD
OTHER TIERS: 0.70% $1k - $10k

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