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Acpe Federal Credit Union Rates & Review September 2026

Acpe Federal Credit Union's 60 Month CDs rates are at 3.40%, 48 Month CDs rates are at 3.35%, 6 Month CDs rates are at 3.35%, 36 Month CDs rates are at 3.30%, 24 Month CDs rates are at 3.25%. Acpe Federal Credit Union's savings rates are at 0.25%. Acpe Federal Credit Union's money market rates are at 0.10%. Acpe Federal Credit Union's Personal Loan Rates are as low as 10.40%. MonitorBankRates evaluates the financial stability of Acpe Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates last updated and verified on 09/21/2026.

Acpe Federal 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 Acpe Federal Credit Union? Share your experience about Acpe Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Acpe Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.50%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Acpe Federal Credit Union
ACPE FCU
2835 E Grand Ave
Laramie, WY 82070-5276
https://www.acpefcu.com
Member NCUA

Acpe Federal Credit Union CD Rates

Product Rate APY Term View More
60 Month Share Certificates 3.35% 3.40% 60 Months
Min Deposit $250
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
48 Month Share Certificates 3.30% 3.35% 48 Months
Min Deposit $250
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
6 Month Share Certificates 3.30% 3.35% 6 Months
Min Deposit $250
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
36 Month Share Certificates 3.25% 3.30% 36 Months
Min Deposit $250
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
24 Month Share Certificates 3.20% 3.25% 24 Months
Min Deposit $250
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
12 Month Share Certificates 3.15% 3.20% 12 Months
Min Deposit $250
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%

Acpe Federal Credit Union Savings Rates

Product Rate APY View More
Youth Savings Accounts 2.50% 2.50%
Details Max. $3,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
Back to School Club Savings Accounts 1.00% 1.00%
Details Max. $8,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
Holiday Club Savings Accounts 1.00% 1.00%
Details Max. $8,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
IRA Savings Accounts 1.00% 1.00%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
Vacation Club Savings Accounts 1.00% 1.00%
Details Max. $10,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
Share (Savings) Accounts 0.25% 0.25%
Min Balance $20
Details Balance: $20.00 or more
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%

Acpe Federal Credit Union Money Market Rates

Product Rate APY View More
ACPE One (Money Market) Accounts 1.49% 1.50%
Min Balance $250,000
Details Balance: $250,000.00 - $250,000.00+
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
ACPE One (Money Market) Accounts 1.25% 1.25%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
ACPE One (Money Market) Accounts 1.00% 1.00%
Min Balance $20,000
Details Balance: $20,000.00 - $49,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
ACPE One (Money Market) Accounts 1.00% 1.00%
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
ACPE One (Money Market) Accounts 0.75% 0.75%
Min Balance $5,000
Details Balance: $5,000.00 - $19,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
ACPE One (Money Market) Accounts 0.50% 0.50%
Min Balance $1,000
Details Balance: $1,000.00 - $4,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
ACPE One (Money Market) Accounts 0.10% 0.10%
Min Balance $250
Details Balance: $250.00 - $999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%

Acpe Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 4.79%
Details As low as; Model Year: 2022 and newer
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
Used Auto - - 6.19%
Details As low as; Model Year: 2017 -2021
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%

Acpe Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Recreational Vehicles Loan - 6.29% 60 Months
Details New Recreational Vehicles: 2021 and Above; 100% Financing
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
New Recreational Vehicles Loan - 6.29% 72 Months*
Details New Recreational Vehicles: 2021 and Above; 100% Financing
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
New RV Loan - 6.89%
Details As low as; Model Year: 2021 and newer
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%
Used RV Loan - 8.19%
Details As low as; Model Year: 2016-2020
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%

Acpe Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 10.40%
Details Maximum rate that can be charged is 17.75 %. Terms are determined by lender.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.50%

Financial Health History

Acpe Federal Credit Union’s Texas Ratio rose from 1.54% in Q2 2023 to 2.50% in Q1 2026, so its financial health has stayed very strong 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.54% A+ Q2 2023 A+ Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.50% A+ Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$77M2.50%5.0A+
December 31, 2025$76M3.71%5.0A+
September 30, 2025$74M3.76%5.0A+
June 30, 2025$71M3.60%5.0A+
March 31, 2025$70M3.97%5.0A+
December 31, 2024$67M2.59%5.0A+
September 30, 2024$67M1.38%5.0A+
June 30, 2024$65M2.61%5.0A+
March 31, 2024$66M1.23%5.0A+
December 31, 2023$64M6.46%5.0A
September 30, 2023$63M2.65%5.0A+
June 30, 2023$62M1.54%5.0A+
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 Acpe Federal 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 Acpe Federal 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 Acpe Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Acpe Federal Credit Union
Address 2835 E Grand Ave, Laramie, WY 82070-5276
Phone 307-745-4726
Fax 307-742-5238
President James Dahl
CEO Marcia Dent
Full-Time Employees 14
Part-Time Employees 1
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.50%
Return on Assets (ROA)
0.4194%
Return on Equity (ROE)
3.6612%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
77,057,564
Total Amount of Shares and Deposits
68,158,509
Total Shares and Deposits < 1 Year
66,664,119
Total Shares and Deposits 1 3 Years
1,314,264
Total Shares and Deposits > 3 Years
180,126
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,295,387
Total Uninsured Shares and Deposits > $250K (F+J)
5,295,387
Total Insured Shares and Deposits > $250K (item 17 less item K)
62,863,122
Total Interest Expense (Sum of items 6 8)
217,777
Share Certificates
295
Number of Accounts for Share Drafts
2,445
IRA KEOGH Accounts
176
Number of Accounts for Regular Shares
5,357
All other shares
125
Money Market Shares
205
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)
2,312,625
Total Liabilities
68,230,538
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Acpe Federal 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/acpe-federal-credit-union-rates-review-11867">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Acpe Federal Credit Union

How many branches does Acpe Federal Credit Union operate?

Acpe Federal 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 Acpe Federal Credit Union?

Yes, to access services at Acpe Federal 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, Acpe Federal 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, Acpe Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Acpe Federal Credit Union offer online and mobile banking?

Most modern institutions like Acpe Federal 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.acpefcu.com.

Current Acpe Federal Credit Union Rates

  • 12-Month CD3.20%
  • 24-Month CD3.25%
  • 60-Month CD3.40%
  • Savings0.25%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.