What are the current interest rates at Advantage Credit Union Newtown, IA?

Current rates for Advantage Credit Union Newtown, IA include: 12-Month CD: 2.27%, 24-Month CD: 2.13%, Savings: 1.51%, MMA: 2.27%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Advantage Credit Union Newtown, IA

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Advantage Credit Union Newtown, IA Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Advantage Credit Union Newtown, IA's top rates as of October 9, 2026 are 3.73% APY on its 12 Month CD, 1.51% APY on savings, 2.27% APY on money market accounts, 3.00% APY on checking, personal loans from 10.25% APR, and credit cards from 6.99% APR, according to rates verified by MonitorBankRates. Other Advantage Credit Union Newtown, IA CD rates include 6 Month CD at 3.59%, 12 Month CD at 3.47%, and 24 Month CD at 3.40%. MonitorBankRates evaluates the financial stability of Advantage Credit Union Newtown, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.08%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

8.08%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Advantage Credit Union Newtown, IA
Advantage Credit Union

121 W 3rd St N
Newton, IA 50208-3040

https://www.acuiowa.org

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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.

Advantage Credit Union Newtown, IA CD Rates

Product	Rate	APY	Term
12 Month CD	3.67%	3.73%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.79% → 3.73% ▲ 0.94 pts · high 3.73% / low 2.79% Oct 9, 20263.73%▲ from 2.79% Sep 22, 20262.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
6 Month CD	3.53%	3.59%	6 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.80% → 3.59% ▲ 0.79 pts · high 3.59% / low 2.80% Oct 9, 20263.59%▲ from 2.80% Sep 22, 20262.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
12 Month CD	3.42%	3.47%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.53% → 3.47% ▲ 0.94 pts · high 3.47% / low 2.53% Oct 9, 20263.47%▲ from 2.53% Sep 22, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
24 Month CD	3.35%	3.40%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.64% → 3.40% ▲ 0.76 pts · high 3.40% / low 2.64% Oct 9, 20263.40%▲ from 2.64% Sep 22, 20262.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
36 Month CD	3.35%	3.40%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.54% → 3.40% ▲ 0.86 pts · high 3.40% / low 2.54% Oct 9, 20263.40%▲ from 2.54% Sep 22, 20262.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
6 Month CD	3.28%	3.33%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.54% → 3.33% ▲ 0.79 pts · high 3.33% / low 2.54% Oct 9, 20263.33%▲ from 2.54% Sep 22, 20262.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
12 Month CD	3.17%	3.22%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.27% → 3.22% ▲ 0.95 pts · high 3.22% / low 2.27% Oct 9, 20263.22%▲ from 2.27% Sep 22, 20262.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
24 Month CD	3.10%	3.15%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.39% → 3.15% ▲ 0.76 pts · high 3.15% / low 2.39% Oct 9, 20263.15%▲ from 2.39% Sep 22, 20262.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
36 Month CD	3.10%	3.14%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.28% → 3.14% ▲ 0.86 pts · high 3.14% / low 2.28% Oct 9, 20263.14%▲ from 2.28% Sep 22, 20262.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
6 Month CD	3.03%	3.07%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.28% → 3.07% ▲ 0.79 pts · high 3.07% / low 2.28% Oct 9, 20263.07%▲ from 2.28% Sep 22, 20262.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
24 Month CD	2.85%	2.89%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.13% → 2.89% ▲ 0.76 pts · high 2.89% / low 2.13% Oct 9, 20262.89%▲ from 2.13% Sep 22, 20262.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
36 Month CD	2.85%	2.89%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 2.03% → 2.89% ▲ 0.86 pts · high 2.89% / low 2.03% Oct 9, 20262.89%▲ from 2.03% Sep 22, 20262.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
6 month Term Share	2.76%	2.80%	6 months
Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
12 month Term Share	2.75%	2.79%	12 months
Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
24 month Term Share	2.61%	2.64%	24 months
Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.64% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
6 month Term Share	2.51%	2.54%	6 months
Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
36 month Term Share	2.51%	2.54%	36 months
Min Balance $100,000 Details Balance: $100,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
12 month Term Share	2.50%	2.53%	12 months
Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
24 month Term Share	2.36%	2.39%	24 months
Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.39% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
6 month Term Share	2.26%	2.28%	6 months
Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
36 month Term Share	2.26%	2.28%	36 months
Min Balance $50,000 Details Balance: $50,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
12 month Term Share	2.25%	2.27%	12 months
Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
24 month Term Share	2.11%	2.13%	24 months
Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
36 month Term Share	2.01%	2.03%	36 months
Min Balance $1,000 Details Balance: $1,000 min. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Savings Rates

Product	Rate	APY
Health Savings	1.50%	1.51%
Min Balance $15,000 Details Balance: $15,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Health Savings	1.00%	1.01%
Min Balance $5,000 Details Balance: $5,000-$14,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Life Happens Savings	-	1.00%
Min Balance $0 Details Earn 1.00% APY* on the first $2,000*. Whether it is an unexpected medical expense or to help cover an insurance deductible, you'll be glad you saved up for when... Life Happens! APY is Annual Percentage Yield. The annual percentage yield may change monthly as determined by the board of directors. APY is accurate as of last declaration date. Fees may reduce earnings on account. **Not available for business, organizational, trust or estate accounts. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Health Savings	0.80%	0.80%
Min Balance $100 Details Balance: $100-$4,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Life Happens Savings Account	-	0.30%
Min Balance $2,001 Details Interest Rate 2,001 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Vacation Club	0.30%	0.30%
Min Balance $1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Money Market Rates

Product	Rate	APY
Money Market	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Money Market	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Money Market	1.75%	1.76%
Min Balance $25,000 Details Balance: $25,000-49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Money Market	1.50%	1.51%
Min Balance $5,000 Details Balance: $5,000-24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Checking Rates

Product	Rate	APY
Cha-Ching Rewards Checking	-	3.00%
Min Deposit $20 Min Balance $0 Details Qualifications Required: 12 debit card purchases; Login to online banking at least four times; one direct deposit; one automatic withdrawal via ACH; Enroll in e-Statements; Rewards interest paid on balances $0-$10,000. Non-qualifying accounts and balances over $10,000 will receive .10% APY. Fees may reduce earnings on account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Checking Accounts	2.96%	3.00%
Min Balance $0 Details Qualifications Required: When qualifications are met; Balance: $0-10,000; When qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Cha-Ching Rewards Checking	-	0.10%
Min Deposit $20 Min Balance $10,000 Details Non-qualifying accounts and balances over $10,000 will receive .10% APY. Fees may reduce earnings on account. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Checking Accounts	0.10%	0.10%
Min Balance $0 Details Non-qualifying accounts & balances over $10,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 0.10% ▼ 2.90 pts · high 3.00% / low 0.10% Oct 9, 20260.10%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos & Trucks	-	-	4.00%	24 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Autos & Trucks	-	-	4.15%	36 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Autos & Trucks	-	-	4.30%	48 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Autos & Trucks	-	-	4.30%	48 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Autos & Trucks	-	-	4.55%	60 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Autos & Trucks	-	-	4.55%	60 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Autos & Trucks	-	-	4.80%	72 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Autos & Trucks	-	-	4.90%	72 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Autos & Trucks	-	-	5.05%	84 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Autos & Trucks	-	-	5.05%	84 Months
Details As Low as: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles & Titled ATVs or UTVs Loan	-	5.80%	36 Months
Details $1,500 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Motorcycles & Titled ATVs or UTVs Loan	-	5.90%	48 Months
Details $1,500 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Motorcycles & Titled ATVs or UTVs Loan	-	6.05%	24 Months
Details 125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles" Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Motorcycles & Titled ATVs or UTVs Loan	-	6.10%	36 Months
Details 125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles" Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.10% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Motorcycles & Titled ATVs or UTVs Loan	-	6.30%	60 Months
Details $1,500 to $9,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Motorcycles & Titled ATVs or UTVs Loan	-	6.30%	48 Months
Details 125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles" Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Motorcycles & Titled ATVs or UTVs Loan	-	6.60%	72 Months
Details $10,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Motorcycles & Titled ATVs or UTVs Loan	-	6.85%	60 Months
Details 125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles" Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Motorcycles & Titled ATVs or UTVs Loan	-	7.00%	72 Months
Details 125% NADA Retail (Rate based on term of loan) . Amounts under $1,500 refer to "Other Titled Motorized Vehicles" Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Motorcycles & Titled ATVs or UTVs Loan	-	7.55%	84 Months
Details $15,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Boats & RVs Loan	-	7.55%	36 Months
Details 100% of NADA Retail; 5% down required on loans over $25,000; 10% down required on loans over $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Boats & RVs Loan	-	7.60%	36 Months
Details As Low As: **; 100% of MSRP & T.T.L. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Boats & RVs Loan	-	8.00%	60 Months
Details As Low As: **; 100% of MSRP & T.T.L. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Motorcycles, ATV's & UTV's Loan	-	8.15%	12 months
Details As Low As; Lesser of Purchase or Retail Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Boats & RVs Loan	-	8.20%	60 Months
Details 100% of NADA Retail; 5% down required on loans over $25,000; 10% down required on loans over $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.20% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Motorcycles, ATV's & UTV's Loan	-	8.30%	24 Months
Details As Low As; Lesser of Purchase or Retail Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New or Used Motorcycles, ATV's & UTV's Loan	-	8.45%	36 Months
Details As Low As; Lesser of Purchase or Retail Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Boats & RVs Loan	-	8.50%	84 Months
Details As Low As: **; 100% of MSRP & T.T.L. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Boats & RVs Loan	-	8.70%	84 Months
Details 100% of NADA Retail; 5% down required on loans over $25,000; 10% down required on loans over $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Motorcycles, ATV's & UTV's Loan	-	8.85%	48 Months
Details As Low As; New Only Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Boats & RVs Loan	-	8.95%	120 Months
Details As Low As: **; 100% of MSRP & T.T.L. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
New Boats & RVs Loan	-	9.15%	144 Months
Details As Low As: **; (5% down required on loans over $25,000); 100% of MSRP & T.T.L. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Boats & RVs Loan	-	9.30%	120 Months
Details 100% of NADA Retail; 5% down required on loans over $25,000; 10% down required on loans over $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Used Boats & RVs Loan	-	9.50%	144 Months
Details 100% of NADA Retail; 5% down required on loans over $25,000; 10% down required on loans over $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Credit Card Rates

Product	Rate	APR
Visa Rewards	-	6.99%
Details Intro rate expires: 9 months; Regular APR: 6.99%* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 6.99% ▼ 5.91 pts · high 12.90% / low 6.99% Oct 1, 20266.99%▼ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Visa Classic	-	7.90%
Details Published APR range: 7.9%-13.9%. Non-Variable Rate dependent on your creditworthiness Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Visa Rewards	-	12.90%
Details Published APR range: 12.9-18.9%. Non-Variable Rate dependent on your creditworthiness; 1% Cash Back on all purchases Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Personal Loan Rates

Product	APR	Term
Unsecured to $499 Loan	10.25%	6 Months
Details $250; As Low As: * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Unsecured to $1,000 Loan	10.75%	12 Months
Details $500; As Low As: * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Unsecured to $2,500 Loan	11.25%	24 Months
Details $1,001; As Low As: * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Unsecured to $5,000 Loan	11.75%	36 Months
Details $2,501; As Low As: * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Unsecured to $8,000 Loan	12.25%	48 Months
Details $5,001; As Low As: * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Unsecured and Over Loan	12.75%	60 Months
Details $8,001; As Low As: * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

Advantage Credit Union Newtown, IA Other Rates

Product	Rate	Points	APY/APR
Advantage Plus	0.65%	-	0.65%
Min Balance $2,000 Details Balance: $2,000-4,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Advantage Plus	0.75%	-	0.75%
Min Balance $5,000 Details Balance: $5,000-14,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Advantage Plus	0.85%	-	0.85%
Min Balance $15,000 Details Balance: $15,000-29,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Advantage Plus	0.95%	-	0.95%
Min Balance $30,000 Details Balance: $30,000-49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Advantage Plus	1.05%	-	1.06%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Coverdell Education Savings	0.75%	-	0.75%
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Golden Share Account	0.30%	-	0.30%
Min Balance $1 Details Minimum Balance to Open:; Minimum Daily Balance: $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
Prime Share Account	0.15%	-	0.15%
Min Deposit $25 Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%
ROTH IRA	0.75%	-	0.75%
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.08%

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.
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Financial Health History

Advantage Credit Union Newtown, IA’s Texas Ratio fell from 15.35% in Q3 2023 to 8.08% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A. 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	$106M	8.08%	5.0	A
March 31, 2026	$106M	10.97%	5.0	A
December 31, 2025	$104M	13.17%	5.0	A
September 30, 2025	$103M	10.64%	5.0	A
June 30, 2025	$104M	14.96%	5.0	A-
March 31, 2025	$105M	14.28%	5.0	A-
December 31, 2024	$103M	13.08%	5.0	A
September 30, 2024	$114M	24.10%	4.2	B-
June 30, 2024	$114M	24.41%	4.2	C+
March 31, 2024	$118M	16.99%	4.8	B+
December 31, 2023	$129M	20.25%	4.6	B
September 30, 2023	$132M	15.35%	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 Advantage Credit Union Newtown, IA 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 Advantage Credit Union Newtown, IA 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 Advantage Credit Union Newtown, IA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Advantage Credit Union Newtown, IA

Website https://www.acuiowa.org

Address 121 W 3rd St N, Newton, IA 50208-3040

Phone 641-792-5660

Fax 641-792-0240

President Hollie Vanwyk

CEO Leslie Brickman

Full-Time Employees 25

Part-Time Employees 0

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 (96/100)

Texas Ratio

8.08%

Return on Assets (ROA)

0.5295%

Return on Equity (ROE)

3.4579%

Non-Performing Loans Ratio (NPL)

2.39%

Total Assets

106,494,724

Total Amount of Shares and Deposits

89,593,437

Total Shares and Deposits < 1 Year

83,072,958

Total Shares and Deposits 1 3 Years

4,540,479

Total Shares and Deposits > 3 Years

1,980,000

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

2,343,399

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

2,343,399

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

87,250,038

Total Interest Expense (Sum of items 6 8)

538,355

Share Certificates

264

Number of Accounts for Share Drafts

4,442

IRA KEOGH Accounts

127

Number of Accounts for Regular Shares

10,608

All other shares

1,612

Non Member Deposits

Money Market Shares

364

Net Income (unless the amount is already included in Undivided Earnings)

563,873

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)

11,064,749

Total Liabilities

90,188,097

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Advantage Credit Union Newtown, IA earned the Verified Healthy badge

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Frequently Asked Questions About Advantage Credit Union Newtown, IA

How many branches does Advantage Credit Union Newtown, IA operate?

Advantage Credit Union Newtown, IA 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 Advantage Credit Union Newtown, IA?

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

Does Advantage Credit Union Newtown, IA offer online and mobile banking?

Most modern institutions like Advantage Credit Union Newtown, IA 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.acuiowa.org.