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 3,271st largest credit union in the nation. It was established in 1955 and as of September of 2018, it had grown to 7 employees and 2,052 members at 3 locations. UNI Credit Union has a C+ health rating.

Field of Membership Restrictions

UNI Credit Union 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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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 - YTD0.77%
Return on Equity - YTD5.37%
Annual Interest Income$495.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$21.7MM$22.2MM
LoansQ3 2018vs Q3 2017$10.2MM$8.6MM
DepositsQ3 2018vs Q3 2017$18.4MM$19.2MM
Equity CapitalQ3 2018vs Q3 2017$3.2MM$3.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$67.00K$59.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$236.00K$128.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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UNI Credit Union Savings Account Rates

0.25%$100-IRA Share Savings
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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