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Adventure Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Adventure Credit Union's 6 to 60 month 12-Month CD rates are at 3.50%, 6 to 60 month 18-Month CD rates are at 3.50%, 6-Month CD rates are at 3.45%, 6 - 60 Month CD of Deposit rates are at 3.30%, 6 - 60 Month IRA CD rates are at 3.30%. Adventure Credit Union's savings rates are at 0.10%. Adventure Credit Union's money market rates are at 1.00%. Adventure Credit Union's Auto Loan Rates are as low as 5.24%. MonitorBankRates evaluates the financial stability of Adventure Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.51%. Rates last updated and verified on 09/21/2026.

Adventure 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 Adventure Credit Union? Share your experience about Adventure Credit Union by leaving a review below, or read customer reviews before you decide to use Adventure 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: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.51%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Adventure Credit Union
32nd Street
630 32nd St SE
Grand Rapids, MI 49548-2306
https://www.adventurecu.org
Member NCUA

Adventure Credit Union CD Rates

Product Rate APY Term View More
6 to 60 month 12-Month CD - 3.50% 6 to 60 months
Min Deposit $500
Details APY* as high as 3.50 %; Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%
6 to 60 month 18-Month CD - 3.50% 6 to 60 months
Min Deposit $500
Details Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%
6-Month CD - 3.45% 6 to 60 months
Min Deposit $500
Details APY* as high as 3.45 %; Early withdrawal penalty on 6-month certificate is 90-days loss of interest.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%
6 - 60 Month Certificate of Deposit - 3.30% 6 to 60 months
Min Deposit $500
Details Published APY range: 3.300% - 3.500%. Early Withdrawal Penalty: 90 to 180 days interest*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%
6 - 60 Month IRA CD - 3.30% 6 to 60 months
Min Deposit $500
Details Published APY range: 3.300% - 3.500%. Early Withdrawal Penalty: 90 to 180 days interest*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%

Adventure Credit Union Savings Rates

Product Rate APY View More
Adventure Savings - 0.10%
Min Deposit $5
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%

Adventure Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.00%
Min Deposit $0
Min Balance $5,000
Details Published APY range: 1.000% - 2.530%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%

Adventure Credit Union Checking Rates

Product Rate APY View More
Edge Checking - 4.07%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%

Adventure Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.24%
Details As Low As
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%

Adventure Credit Union Other Rates

Product Rate Points APY/APR Term View More
Save to Win - - 3.75% 12 months
Min Deposit $25
Details Early Withdrawal Penalty: $25; Allows Deposits After Opening; Chances to Win Cash Prices
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.51%
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.
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Financial Health History

Adventure Credit Union’s Texas Ratio rose from 2.41% in Q2 2023 to 3.51% 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.7% 2.0★ 3.4% 3.0★ 5.1% 4.0★ 6.9% 5.0★ Healthy zone – entire history below the 15% limit 2.41% 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 3.51% 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 Grade
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$642M3.51%5.0A+
December 31, 2025$629M5.08%5.0A+
September 30, 2025$628M3.76%5.0A+
June 30, 2025$642M3.24%5.0A+
March 31, 2025$646M2.57%5.0A+
December 31, 2024$448M3.72%5.0A+
September 30, 2024$436M3.16%5.0A+
June 30, 2024$443M2.94%5.0A+
March 31, 2024$448M2.98%5.0A+
December 31, 2023$435M3.94%5.0A+
September 30, 2023$425M3.35%5.0A+
June 30, 2023$434M2.41%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 Adventure 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 Adventure 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 Adventure Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Adventure Credit Union
Website https://www.adventurecu.org
Address 630 32nd St SE, Grand Rapids, MI 49548-2306
Phone 616-243-0125
Fax 616-514-1828
President Pete Winninger
CEO Amanda Garabedian
Full-Time Employees 160
Part-Time Employees 4
Branch Locations 10
ATM Locations 10
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.51%
Return on Assets (ROA)
0.0322%
Return on Equity (ROE)
0.2818%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
642,003,541
Total Amount of Shares and Deposits
562,140,134
Total Shares and Deposits < 1 Year
536,823,579
Total Shares and Deposits 1 3 Years
20,658,885
Total Shares and Deposits > 3 Years
4,657,669
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,147,659
Total Uninsured Shares and Deposits > $250K (F+J)
14,147,659
Total Insured Shares and Deposits > $250K (item 17 less item K)
547,992,475
Total Interest Expense (Sum of items 6 8)
1,934,847
Share Certificates
4,837
Number of Accounts for Share Drafts
25,689
IRA KEOGH Accounts
1,352
Number of Accounts for Regular Shares
57,240
All other shares
563
Money Market Shares
3,075
Net Income (unless the amount is already included in Undivided Earnings)
206,464
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)
48,664,274
Total Liabilities
568,290,126
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Adventure 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/adventure-credit-union-rates-review-60936">
  <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

There are no reviews for Adventure Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Adventure Credit Union
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Frequently Asked Questions About Adventure Credit Union

How many branches does Adventure Credit Union operate?

Adventure 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 Adventure Credit Union?

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

Does Adventure Credit Union offer online and mobile banking?

Most modern institutions like Adventure 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.adventurecu.org.

Current Adventure Credit Union Rates

  • 60-Month CD3.30%
  • Savings0.10%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.

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