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	$3,645.89 million
Loans	$3,243.15 million
Deposits	$3,044.00 million
Capital	$345.88 million

Baxter is an NCUA insured institution located in Vernon Hills, IL. It was founded in 1980 and has approximately $3645.89 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 - October 20, 2019

Your Current Location: Connecticut, CT 06828

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	1.25%	$500	-	Learn MoreShow Less

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD	0.30%	$500	-	Learn MoreShow Less
6 Mo CD	0.75%	$500	-	Learn MoreShow Less
12 Mo CD	1.25%	$500	-	Learn MoreShow Less
Special: 18 Mo CD	2.00%	$500	-	Learn MoreShow Less
24 Mo CD	1.45%	$500	-	Learn MoreShow Less
36 Mo CD	1.65%	$500	-	Learn MoreShow Less
48 Mo CD	1.75%	$500	-	Learn MoreShow Less
60 Mo CD	2.05%	$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 - October 20, 2019

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 2890 License#: 13256	3.408%	3.375%	0.38	$1,020	$1,106	Learn More
NMLS ID: 3030	4.990%	4.990%	0.00	$0	$1,341	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line	0.000 %	$0	Learn More More Info
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. 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 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. Low fixed loan rate. Borrow $15,000-$150,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Get approved in 5 minutes. Funded in as little as 5 days.
Third Federal Savings and Loans	3.990 %	$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
Bethpage Federal Credit Union	Intro APR 3.990 % After Intro: 5.250 % Intro Period: 12 months	$25,000	Learn More More Info
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. APR Fixed for One Year Prime Rate for Life, Thereafter Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.

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:
Fairfield,Connecticut

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
6.26%	5.86

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 June 30, 2019, Baxter had $22,352,834 in non-current loans and $652,041 in owned assets. To cover these potential losses it had $345,883,888 in net worth and $21,491,296 in loans loss reserves. That gives it a Texas Ratio of 6.26%.

Net Worth

Baxter	U.S. Average
9.94%	13.65%

Baxter FCU has a net worth of 9.94% versus the BestCashCow average of 13.65. 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 - October 20, 2019

Loan Rates - October 20, 2019

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Featured - Connecticut 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