BAXTER

340 N MILWAUKEE AVE
Vernon Hills, IL 60061

Phone: 1-800-388-7000

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2019 Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 68187
Date Established	1980
Assets	$3,483.87 million
Loans	$3,136.94 million
Deposits	$2,787.44 million
Capital	$326.11 million

Baxter is an NCUA insured institution located in Vernon Hills, IL. It was founded in 1980 and has approximately $3483.87 millions in assets.

Who can join

A person seeking BCU membership must also meet at least one of the following criteria:

1. Company: Employed by one of the many listed companies offering BCU as a valuable employee benefit. Individuals may include permanent, temporary or contract employees.
(List can be accessed through application process)

2. Community Charter: Lives or works in one of six community charter
counties: Lake County, Illinois, McHenry County, Illinois, DuPage County,
Illinois, Kane County, Illinois and Cook County, north of Rt. 58 in Illinois,
Kenosha County in Wisconsin, also the Village of Schaumburg, Illinois.

3. Family Members: Membership eligibility includes ALL family members
related by blood or marriage or foster and adopted children. Family members eligible for BCU membership include: parents, children, brother, sister, husband, wife, cousins, grandchildren, grandparents, aunts, uncles, nieces, and nephews.

Field of Membership Restrictions

Membership in Baxter Credit Union is open to the following: (1) those who live or work in McHenry, Lake, Kane, DuPage, or Cook County north of 95th Street South in Chicago; (2) those who live or work in Kenosha County in Wisconsin; (3) employees of Boston Scientific, Centegra Health Care, Rust-Oleum Corporation and other area Select Employer Groups.

Deposit Rates - June 18, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$5	-	Learn MoreShow Less
Money Market	0.10%	$1	$24,999	Learn MoreShow Less
Money Market	0.20%	$25,000	$99,999	Learn MoreShow Less

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA	1.30%	$500	-	Learn MoreShow Less

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD	0.85%	$500	-	Learn MoreShow Less
Special: 5 Mo CD	2.50%	$500	-	Learn MoreShow Less
6 Mo CD	0.95%	$500	-	Learn MoreShow Less
12 Mo CD	1.30%	$500	-	Learn MoreShow Less
24 Mo CD	1.50%	$500	-	Learn MoreShow Less
36 Mo CD	1.85%	$500	-	Learn MoreShow Less
48 Mo CD	2.05%	$500	-	Learn MoreShow Less
60 Mo CD	2.30%	$500	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.05%	$1	$999	Learn MoreShow Less

Checking Rates	APY	MIN	FEE
PowerPlus Checking	3.00%	$0	$0.00	Learn MoreShow Less

Loan Rates - June 18, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for BAXTER

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 3030	4.500%	4.500%	0.00	$0	$1,267	Learn More
NMLS ID: 3030	5.250%	5.250%	0.00	$0	$1,381	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union	5.500 %	$0	Learn More More Info
Variable APR of Prime + 0% (Floor 3.75%). APR based on LTV of 80% or lower, for loan amounts $10,000 - $400,000. Save when you borrow from PenFed! Equal housing lender. Available to members online seven days a week, 24 hours a day Federally insured by NCUA
Figure Home Equity Line	5.490 %	N/A	Learn More More Info
Approval is contingent upon a full application, and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. The loan amounts, rates, and terms available to you are dependent on many factors, including your credit profile, debt and income at the time of application, and your current loan-to-value (LTV) for the property which you are using as collateral. Annual percentage rates (APRs) will be higher for longer-term loans and properties that are not your primary residence. Loans are only available for single-family residences, townhomes, PUDs, and condos; we are unable to extend loans for other types of dwellings, including but not limited to: multi-family dwellings, co-ops, and manufactured homes. Our APRs range from 4.99% to 14.00%. The lowest APR is only available to consumers with excellent credit. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-3% of your initial draw depending on the state in which your property is located. Five-day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or if the 5-day period includes a weekend or holiday. Funding in 5 days is not available for first lien loans secured by owner-occupied properties in Vermont. Low fixed loan rate. Borrow $15,000-$100,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Low origination fee (included in the loan amount) Potentially tax deductible
Third Federal Savings and Loans	4.490 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

Note to BAXTER
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Baxter branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington

Baxter Locations

Financial Details

Baxter Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Baxter. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Baxter	U.S. Average
6.16%	7.49

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2018, Baxter had $20,673,199 in non-current loans and $713,695 in owned assets. To cover these potential losses it had $326,111,541 in net worth and $20,801,371 in loans loss reserves. That gives it a Texas Ratio of 6.16%.

Net Worth

Baxter	U.S. Average
10.02%	13.61%

Baxter FCU has a net worth of 10.02% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Baxter

Branches and Savings

What is Baxter?

A federal credit union, registered with the NCUA under certificate #68187.
Learn more about credit unions here.

BAXTER

2019 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - June 18, 2019

Loan Rates - June 18, 2019

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Featured - Washington Home Equity Line Of Credit Rates 2019

Branches

Baxter Locations

Financial Details

Baxter Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About Baxter

Branches and Savings

What is Baxter?

Is Baxter FDIC insured?

Who can join Baxter?

What are Baxter's share account and share certificate rates?

How big is Baxter?

Who owns Baxter?

Where are Baxter branches located?

Are Baxter ATMs Open 24/7?

Do Baxter ATMs accept cash deposits?

Can Baxter customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Baxter have a mobile app?

Does Baxter have mobile deposit?

Does Baxter have quick pay?

How can Baxter transfer money to other banks or credit unions?

Does Baxter report to credit bureaus?

Does Baxter use Chexsystems?

Does Baxter use Equifax?

What is Baxter's toll free phone number?

What is Baxter's ACH Routing Number?

What is Baxter's SWIFT code?

Where can I find Baxter's wire transfer form?

What is the Baxter address for deposits?

What Products Does Baxter Offer

Does Baxter offer mortgages?

Does Baxter offer home equity lines of credit and home equity loans?

Does Baxter offer auto and RV loans?

Does Baxter offer student loans or personal loans?

Customer Reviews for Baxter