Facts and Financials

Facts as of February 2014
Founded March 16, 1939
Organization Type A member-owned, not-for-profit cooperative financial institution
Charter Federal
Regulatory Agency National Credit Union Administration (NCUA)
Leadership/Board of Directors (9) Elected to three-year terms
Chair of the Board - Linda Carver
President/CEO - John Lund
Total Membership 642,644
Total Assets $6.1 billion
Rankings 11th largest credit union in assets in the United States
7th largest credit union in membership in the country
Number of Branches 106 full-service branches
ATM Networks Access 24, CO-OP Network, Visa PLUS
Insured by Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government. Please visit the NCUA for more information.

2013 Financials

Consolidated Statement of Earnings
Earnings 2013 2012
Interest on Loans $185,201,826 $202,465,951
Interest on Investments $6,023,906 $5,249,969
Other Interest Income $1,881,493 $2,188,569
Fees and Other Revenue $146,165,115 $147,852,548
Total Earnings $339,272,340 $357,757,037
Expenses
Interest Expenses $25,638,535 $29,783,770
Operating Expenses $214,286,945 $226,480,366
Provisions for Loan Loss ($12,664,393) $42,729,786
Total Expenses $227,261,087 $298,993,922
Net Earnings before NCUA Assessment $112,011,253 $58,763,115
NCUA Assessment $4,025,572 $4,545,075
Net Earnings after NCUA Assessment $107,985,681 $54,218,040

Consolidated Statement of Financial Position
Assets 2013 2012
Cash and Cash Equivalents $568,812,122 $763,096,398
Loans to Members - Net $3,880,816,905 $3,554,584,339
Investments $1,029,712,544 $805,747,014
Interest Receivable $13,112,517 $11,424,330
Property & Equipment - Net $184,018,281 $188,332,054
Other Assets $202,340,653 $205,376,925
Total Assets $5,878,813,022 $5,528,561,060
Liabilities
Interest, Dividends & Other Payables $95,851,964 $126,244,576
Deposit Accounts $4,017,311,646 $3,934,327,028
Share Savings $1,196,598,279 $1,039,213,976
Total Liabilities $5,309,761,889 $5,099,785,580
Member Equity
Other Reserves $461,065,452 $374,557,440
Undistributed Earnings $107,985,681 $54,218,040
Total Member Equity $569,051,133 $428,775,480
Total Liabilities & Member Equity $5,878,813,022 $5,528,561,060

Today's Rates

Type F/V Term APR
Auto Fixed 5 years 2.99%
Auto Variable 5 years 2.99%
RV Variable 12 years 3.50%
Rates Effective April 07, 2014
Mortgage Rates
Type Rate APR
15 Year Fixed 3.375% 3.4756%
30 Year Fixed 4.375% 4.4337%
Rates Effective April 23, 2014

Mortgage Payment Example

Home Equity Rates
Type F/V Term APR
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs First Mortgage 80% LTV Fixed 5 Yrs 3.24%
Rates Effective April 07, 2014

HE Payment Example

Type   APR
platinum low rate Variable 6.99%
platinum rewards or cash back Variable 8.25%
classic standard rate Variable 10.50%
classic rewards or cash back Variable 12.25%
Rates Effective April 01, 2014
Certificate Rates
Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.00%
Rates Effective April 23, 2014

View rates & terms