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Overview / Commentary
802 W 29th St
Cedar Falls, IA 50613-5022

Uni Credit Union is headquartered in Cedar Falls and is the 53rd largest credit union in the state of Iowa. It is also the 3,279th largest credit union in the nation. It was established in 1955 and as of December of 2017, it had grown to 6 employees and 2,051 members at 3 locations. Uni Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees, students and alumni of the University of Northern Iowa or the Cedar Falls School District. Membership is also open to employees and retirees of MidAmerican Energy.
See current membership details


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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. Uni Credit Union has a low asset base.

Health Grade Components

NCUA #65071
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD1.98%
Annual Interest Income$594.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$22.1MM$21.2MM
LoansQ4 2017vs Q4 2016$10.0MM$7.3MM
DepositsQ4 2017vs Q4 2016$19.0MM$18.2MM
Equity CapitalQ4 2017vs Q4 2016$3.0MM$3.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$60.00K$54.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$103.00K$153.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Uni Credit Union Savings Account Rates

0.25%$100-IRA Share Savings
0.25%$100-Conversion IRA
0.20%$100-Share Savings
0.20%$100-Christmas Club
0.20%$100-Secondary Share Savings

Uni Credit Union Checking Account Rates

0.05%$300-Share Draft Checking

Uni Credit Union CD Rates

2.00%$100k-23 Month CD
1.21%$1k-60 Month CD
1.00%$1k-36 Month CD
0.75%$1k-24 Month CD
0.50%$1k-12 Month CD
0.25%$1k-6 Month CD

Uni Credit Union IRA Rates

2.00%$100k-23 Month IRA
1.21%$1k-60 Month IRA
1.00%$1k-36 Month IRA
0.75%$1k-24 Month IRA
0.50%$1k-12 Month IRA
0.25%$1k-6 Month IRA

Uni Credit Union Locations
Branch Office1601 University AveWaterloo, IA 50701
Branch Office420 Viking RdCedar Falls, IA 50613
Branch Office802 W 29th StCedar Falls, IA 50613-5022

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