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Overview / Commentary
319-273-2479
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 3,407th largest credit union in the nation. It was established in 1955 and as of September of 2016, it had grown to 5 employees and 2,348 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.
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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. Uni Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65071
Year Chartered1955
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD2.94%
Annual Interest Income$429.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$20.6MM$19.3MM
LoansQ3 2016vs Q3 2015$7.4MM$8.1MM
DepositsQ3 2016vs Q3 2015$17.6MM$16.5MM
Equity CapitalQ3 2016vs Q3 2015$2.9MM$2.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$59.00K$59.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$62.00K$105.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Uni Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Traditional IRA
0.25%$100-ROTH IRA
0.25%$100-Conversion IRA
0.25%$100-Educational IRA
0.20%$100-Share Savings
0.20%$100-Christmas Club
0.20%$100-Secondary Share Savings

Uni Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$300-Share Draft Checking

Uni Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$1k-60 Month CD
1.00%$1k-36 Month CD
0.75%$1k-24 Month CD
0.25%$1k-6 Month CD
0.25%$1k-12 Month CD

Uni Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$1k-60 Month IRA
1.00%$1k-36 Month IRA
0.75%$1k-24 Month IRA
0.25%$1k-6 Month IRA
0.25%$1k-12 Month IRA
Locations


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