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802 Credit Union

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802 Credit Union Rates & Review November 2026

Q: What are the current interest rates at 802 Credit Union?

Current rates for 802 Credit Union include: 12-Month CD: 1.70%, 18-Month CD: 1.80%, 24-Month CD: 2.05%, 60-Month CD: 2.00%, MMA: 2.25%

Q: What CD terms does 802 Credit Union offer?

802 Credit Union CD rates are 3.25% APY for a 7 month CD, 4.00% APY for a 9 month CD, 1.70% APY for a 12 month CD, 1.80% APY for an 18 month CD, 2.05% APY for a 2 year CD, 2.10% APY for a 4 year CD and 2.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with 802 Credit Union for its full lineup.

Q: How many branches does 802 Credit Union operate?

802 Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

802 Credit Union's 9 Month CDs of Deposit (CD) rates are at 4.00%, 7 Month CDs of Deposit (CD) rates are at 3.25%, 48 Month CDs of Deposit (CD) rates are at 2.10%, 60 Month CDs of Deposit (CD) rates are at 2.10%, 24 Month CDs of Deposit (CD) rates are at 2.05%. 802 Credit Union's money market rates are at 2.25%. 802 Credit Union's 3/1 ARM Adjustable Rate Mortgage - Primary Residence rates are at 5.25%, 5/1 ARM Adjustable Rate Mortgage - Primary Residence rates are at 6.00%, 1/1 ARM Adjustable Rate Mortgage - Primary Residence rates are at 6.85%, Construction Loan - 1/1 ARM with General Contractor rates are at 5.25%, Conventional Fixed Rate Mortgage - 10 Year rates are at 6.50%. 802 Credit Union's Personal Loan Rates are as low as 10.74%. 802 Credit Union's CD rates are 24% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of 802 Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.74%. Rates last updated and verified on 10/29/2026.

802 Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 802 Credit Union? Share your experience about 802 Credit Union by leaving a review below, or read customer reviews before you decide to use 802 Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.74%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

802 Credit Union
Barre/Main Office

265 S Main St
Barre, VT 05641-4815

https://www.802cu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

802 Credit Union CD Rates

Product	Rate	APY	Term
9 Month Certificates of Deposit (CD)	3.92%	4.00%	9 months
Min Balance $500 Details Special offer for new money; Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 9 month special (new money)	3.92%	4.00%	9 month
Min Balance $500 Details New money Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 13 month special	3.92%	4.00%	13 month
Min Balance $500 Details Special term; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
9 Month Certificates of Deposit (CD)	3.68%	3.75%	9 months
Min Balance $500 Details Special offer; Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 9 month special	3.68%	3.75%	9 month
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
7 Month Certificates of Deposit (CD)	3.20%	3.25%	7 months
Min Balance $500 Details Special offer; Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
802 Day Certificates of Deposit (CD)	3.20%	3.25%	802 days
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 7 month special	3.20%	3.25%	7 month
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 802 days	3.20%	3.25%	802 days
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 36 month special	2.96%	3.00%	36 month
Min Balance $500 Details Special term; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 48 month	2.18%	2.20%	48 months
Min Balance $500 Details Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 60 month	2.18%	2.20%	60 months
Min Balance $500 Details Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 24 month	2.13%	2.15%	24 months
Min Balance $500 Details Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
48 Month Certificates of Deposit (CD)	2.08%	2.10%	48 months
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
60 Month Certificates of Deposit (CD)	2.08%	2.10%	60 months
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 12 month	2.08%	2.10%	12 months
Min Balance $500 Details Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 18 month	2.08%	2.10%	18 months
Min Balance $500 Details Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
24 Month Certificates of Deposit (CD)	2.03%	2.05%	24 months
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
36 Month Certificates of Deposit (CD)	2.03%	2.05%	36 months
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
12 Month Certificates of Deposit (CD)	1.98%	2.00%	12 months
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Youth Savers 5 Year Term	1.98%	2.00%	5 Year
Min Balance $50 Details Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Certificate - 6 month	1.83%	1.85%	6 months
Min Balance $500 Details Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
18 Month Certificates of Deposit (CD)	1.78%	1.80%	18 months
Min Balance $500 Details No-penalty CD; Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
6 Month Certificates of Deposit (CD)	1.78%	1.80%	6 months
Min Balance $500 Details Formerly known as Share Certificates; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 18 month (no-penalty)	1.78%	1.80%	18 months
Min Balance $500 Details No-penalty Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Smart Savers 1 Year Term	1.69%	1.70%	1 Year
Min Balance $50 Details Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Savings Rates

Product	Rate	APY
IRA Shares	0.75%	0.75%
Details Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Regular Shares	0.30%	0.30%
Min Balance $5 Details Dividends paid monthly. ($25.00 minimum to receive dividends) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Smart and Youth Savers Club Accounts	0.30%	0.30%
Details Types of club accounts: holiday, vacation, tax, all-purpose; Dividends paid monthly; Minimum balance: Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Money Market Rates

Product	Rate	APY
Money Markets	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000.00+; Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000-99,999; Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000-49,999; Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000-24,999; Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	0.75%	0.75%
Min Balance $2,000 Details Balance: $2,000-9,999; Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	0.50%	0.50%
Min Balance $500 Details Balance: $500-1,999; Dividends paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3/1 ARM Adjustable Rate Mortgage - Primary Residence	5.25%	0.00%	6.61%
Details Adjustable Rate Mortgages (ARM) for Primary residences, servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 30 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
5/1 ARM Adjustable Rate Mortgage - Primary Residence	6.00%	0.00%	6.685%
Details Adjustable Rate Mortgages (ARM) for Primary residences, servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 30 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
1/1 ARM Adjustable Rate Mortgage - Primary Residence	-	0.00%	6.851%
Details Adjustable Rate Mortgages (ARM) for Primary residences, servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 30 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Construction Loan - 1/1 ARM with General Contractor	5.25%	1.000	6.876%
Details Construction and Vacant Land Mortgages - servicing retained; Construction loan - 30-year maximum term, includes 12-month interest only construction period; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - 10 Year	6.50%	0.00%	6.878%	10 Year
Details For primary residences; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property ARM - 3/1 ARM	6.25%	1.00%	6.974%
Details Investment Property Adjustable Rate Mortgages (Non-Owner Occupied); Monthly Payment per $1,000 borrowed $6.16 (not a rate) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - 15 Year	6.75%	0.00%	7.022%	15 Year
Details For primary residences; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.02% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Construction Loan - 1/1 ARM Self-Build	6.75%	1.000	7.029%
Details Construction and Vacant Land Mortgages - servicing retained; Construction loan - 30-year maximum term, includes 12-month interest only construction period; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property ARM - 1/1 ARM	6.00%	1.00%	7.054%
Details Investment Property Adjustable Rate Mortgages (Non-Owner Occupied); Monthly Payment per $1,000 borrowed $6.00 (not a rate) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - 20 Year	7.00%	0.00%	7.221%	20 Year
Details For primary residences; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.22% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property ARM - 5/1 ARM	7.00%	1.00%	7.272%
Details Investment Property Adjustable Rate Mortgages (Non-Owner Occupied); Monthly Payment per $1,000 borrowed $6.65 (not a rate) Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
30-Year Fixed-rate Home Loan	-	-	7.423%	30 years
No additional details. Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.42% ▲ 0.92 pts · high 7.42% / low 6.50% Oct 29, 20267.42%▲ from 7.25% Oct 13, 20267.25%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - 30 Year	7.25%	0.00%	7.423%	30 Year
Details For primary residences; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.42% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - 1/1 ARM	8.00%	0.00%	8.23%
Details Primary residences on owned land; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 20 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.23% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - 3/1 ARM	8.25%	0.00%	8.482%
Details Primary residences on owned land; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 20 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.48% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 10 Year	8.00%	1.00%	8.624%	10 Year
Details Non-Owner Occupied; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.62% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 15 Year	8.25%	1.00%	8.706%	15 Year
Details Non-Owner Occupied; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.71% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 20 Year	8.375%	1.00%	8.749%	20 Year
Details Non-Owner Occupied; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgages (Non-Owner Occupied) - 30 Year	8.625%	1.00%	8.926%	30 Year
Details Non-Owner Occupied; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.93% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgages - 5/1 ARM	9.00%	0.00%	9.24%
Details Primary residences on owned land; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 20 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgage (Leased Land or Park) - 1/1 ARM	9.00%	0.00%	9.291%
Details Primary residence on leased land or in a park; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 15 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - 10 Year	9.00%	0.00%	9.397%	10 Year
Details Primary residences on owned land - servicing retained; Monthly Payment per $1,000 borrowed: $12.67 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Adjustable Rate Mortgage (Leased Land or Park) - 3/1 ARM	9.25%	0.00%	9.543%
Details Primary residence on leased land or in a park; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 2.875% margin; 15 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - 15 Year	9.25%	0.00%	9.543%	15 Year
Details Primary residences on owned land - servicing retained; Monthly Payment per $1,000 borrowed: $10.29 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - 20 Year	9.375%	0.00%	9.618%	20 Year
Details Primary residences on owned land - servicing retained; Monthly Payment per $1,000 borrowed: $9.24 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.62% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - Leased Land or Park - 10 Year	11.00%	0.00%	11.414%	10 Year
Details Primary residences on leased land or in a park; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.41% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - Leased Land or Park - 15 Year	11.25%	0.00%	11.562%	15 Year
Details Primary residences on leased land or in a park; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.56% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage - Leased Land or Park - 20 Year	11.375%	0.00%	11.639%	20 Year
Details Primary residences on leased land or in a park; servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.49%	13 Year
Details Minimum loan amount $5,000; maximum loan to value 60%; 1st position lien Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Oct 13, 20266.49%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Home Equity Loan	-	-	6.74%	5 Year
Details Minimum loan amount $5,000; maximum loan to value 80%; 1st position lien Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 13, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Home Equity Loan	-	-	7.24%	10 Year
Details Minimum loan amount $5,000; maximum loan to value 80%; 1st position lien Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 13, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Home Equity Loan	-	-	7.74%	15 Year
Details Minimum loan amount $5,000; maximum loan to value 80%; 1st position lien Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 13, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle Loans	-	-	5.24%	24 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	5.49%	36 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	5.74%	48 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	5.99%	60 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - New '25-'26	-	-	5.99%	24 months
Details As Low As; Model Year: New '25-'26; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '19-'24	-	-	5.99%	24 months
Details As Low As; Model Year: Used '19-'24; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.24%	66 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - New '25-'26	-	-	6.24%	36 months
Details As Low As; Model Year: New '25-'26; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '19-'24	-	-	6.24%	36 months
Details As Low As; Model Year: Used '19-'24; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.49%	72 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - New '25-'26	-	-	6.49%	48 months
Details As Low As; Model Year: New '25-'26; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '19-'24	-	-	6.49%	48 months
Details As Low As; Model Year: Used '19-'24; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.74%	24 months
Details As Low As; Model Year: Used '11-'18; J.D. Power Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - New '25-'26	-	-	6.74%	60 months
Details As Low As; Model Year: New '25-'26; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '19-'24	-	-	6.74%	60 months
Details As Low As; Model Year: Used '19-'24; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.99%	84 months
Details As Low As; Model Year: New '25-'26; 100% Financing (Tax, Title, Registration inc.) Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.99%	36 months
Details As Low As; Model Year: Used '11-'18; J.D. Power Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 6.99% ▲ 1.50 pts · high 6.99% / low 5.49% Sep 18, 20266.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	7.24%	48 months
Details As Low As; Model Year: Used '11-'18; J.D. Power Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '11-'18	-	-	7.74%	24 months
Details As Low As; Model Year: Used '11-'18; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '11-'18	-	-	7.74%	36 months
Details As Low As; Model Year: Used '11-'18; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles Loan - Used '11-'18	-	-	7.99%	48 months
Details As Low As; Model Year: Used '11-'18; Rates vary by collateral age and credit; J.D. Power loan rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal/Signature Loan	10.74%	24-60 months
Details As Low As; Rate is listed as low as and determined by the term of the loan and an evaluation of credit Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Second Home Adjustable Rate Mortgage - 1/1 ARM	5.375%	0.375%	6.926%
Details Second home; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 3.250% margin; 30 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.93% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Adjustable Rate Mortgage - 3/1 ARM	5.625%	0.375%	6.745%
Details Second home; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 3.250% margin; 30 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Adjustable Rate Mortgage - 5/1 ARM	6.375%	0.375%	6.874%
Details Second home; servicing retained; 2/6 Cap; tied to 1-year Treasury Bill with 3.250% margin; 30 year maximum term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.87% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage - 10 Year	7.375%	0.375%	7.846%	10 Year
Details Servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage - 15 Year	7.625%	0.375%	7.967%	15 Year
Details Servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.97% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage - 20 Year	7.75%	0.375%	8.029%	20 Year
Details Servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage - 30 Year	8.00%	0.375%	8.221%	30 Year
Details Servicing retained Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.22% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 12 months	1.98%	-	2.00%	12 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 24 months	2.03%	-	2.05%	24 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 36 months	2.03%	-	2.05%	36 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 48 months	2.08%	-	2.10%	48 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 6 months	1.78%	-	1.80%	6 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Certificates of Deposit (CD) - 60 months	2.08%	-	2.10%	60 months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

802 Credit Union’s Texas Ratio stayed near 8.72% in Q3 2023 to 8.74% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$508M	8.74%	5.0	A
March 31, 2026	$500M	7.30%	5.0	A
December 31, 2025	$492M	6.18%	5.0	A
September 30, 2025	$432M	5.65%	5.0	A+
June 30, 2025	$428M	5.35%	5.0	A+
March 31, 2025	$426M	6.70%	5.0	A
December 31, 2024	$416M	7.84%	5.0	A
September 30, 2024	$404M	7.67%	5.0	A
June 30, 2024	$403M	6.75%	5.0	A
March 31, 2024	$401M	5.95%	5.0	A+
December 31, 2023	$392M	6.96%	5.0	A
September 30, 2023	$395M	8.72%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 802 Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 802 Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 802 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 802 Credit Union

Website https://www.802cu.com

Address 265 S Main St, Barre, VT 05641-4815

Phone 802-479-9411

Fax 802-479-3533

President Jeff Mobus

CEO Sean Gammon

Full-Time Employees 133

Part-Time Employees 10

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.74%

Return on Assets (ROA)

0.5689%

Return on Equity (ROE)

4.5366%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

507,705,142

Total Amount of Shares and Deposits

440,121,032

Total Shares and Deposits < 1 Year

422,650,488

Total Shares and Deposits 1 3 Years

15,584,932

Total Shares and Deposits > 3 Years

1,885,612

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,091,729

Total Uninsured Shares and Deposits > $250K (F+J)

15,091,729

Total Insured Shares and Deposits > $250K (item 17 less item K)

425,029,303

Total Interest Expense (Sum of items 6 8)

1,940,319

Share Certificates

3,218

Number of Accounts for Share Drafts

25,547

IRA KEOGH Accounts

645

Number of Accounts for Regular Shares

41,852

All other shares

7,573

Money Market Shares

927

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

75,195,865

Total Liabilities

444,037,774

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

802 Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About 802 Credit Union

Does 802 Credit Union offer CDs?

Yes. 802 Credit Union current CD rates include its 9 Month CDs of Deposit (CD) at 4.00% APY, its 7 Month CDs of Deposit (CD) at 3.25% APY and its 48 Month CDs of Deposit (CD) at 2.10% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from 802 Credit Union NCUA insured?

Yes. 802 Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 802 Credit Union?

The highest 802 Credit Union CD rate is its 9 Month CDs of Deposit (CD) at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does 802 Credit Union offer?

802 Credit Union CD rates are 3.25% APY for a 7 month CD, 4.00% APY for a 9 month CD, 1.70% APY for a 12 month CD, 1.80% APY for an 18 month CD, 2.05% APY for a 2 year CD, 2.10% APY for a 4 year CD and 2.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with 802 Credit Union for its full lineup.

What is the highest money market rate at 802 Credit Union?

The highest 802 Credit Union money market rate is its Money Market at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at 802 Credit Union?

The lowest 802 Credit Union 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage - 30 Year at 7.25%, verified by MonitorBankRates as of October 29, 2026. 802 Credit Union mortgage rates are 7.25% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.50% for a 10 year mortgage, 6.00% for a 1/1 ARM, 5.25% for a 3/1 ARM and 6.00% for a 5/1 ARM.

What is the lowest auto loan rate at 802 Credit Union?

The lowest 802 Credit Union auto loan rate is its Auto & Motorcycle Loans at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at 802 Credit Union?

The lowest 802 Credit Union personal loan rate is its Personal/Signature Loan at 10.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does 802 Credit Union operate?

802 Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 802 Credit Union?

Yes, to access services at 802 Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 802 Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 802 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 802 Credit Union offer online and mobile banking?

Most modern institutions like 802 Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.802cu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 802 Credit Union rates compare?

802 Credit Union's CD rates are 24% lower than the MonitorBankRates national average, and it has an A health rating. 802 Credit Union's top rates are its 9 Month CDs of Deposit (CD) at 4.00% APY, its Money Market at 2.25% APY, its 3/1 ARM Adjustable Rate Mortgage - Primary Residence at 5.25% and its Personal/Signature Loan at 10.74% APR, verified by MonitorBankRates on October 29, 2026.

Current 802 Credit Union Rates

12-Month CD1.70%
18-Month CD1.80%
24-Month CD2.05%
60-Month CD2.00%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

802 Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

802 Credit Union Texas Ratio

802 Credit Union Health Trend

802 Credit Union CD Rates

802 Credit Union Savings Rates

802 Credit Union Money Market Rates

802 Credit Union Mortgage Rates

802 Credit Union Home Equity & HELOC

802 Credit Union Auto Loan Rates

802 Credit Union Personal Loan Rates

802 Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

802 Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 802 Credit Union

Does 802 Credit Union offer CDs?

Are CDs from 802 Credit Union NCUA insured?

What is the highest CD rate at 802 Credit Union?

What CD terms does 802 Credit Union offer?

What is the highest money market rate at 802 Credit Union?

What is the lowest 30 year fixed mortgage rate at 802 Credit Union?

What is the lowest auto loan rate at 802 Credit Union?

What is the lowest personal loan rate at 802 Credit Union?

How many branches does 802 Credit Union operate?

Is a member application needed to join 802 Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 802 Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 802 Credit Union rates compare?

Current 802 Credit Union Rates

Compare to Other Credit Unions