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Adventure Credit Union

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Adventure Credit Union Rates & Review November 2026

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

Current rates for Adventure Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.70%, 24-Month CD: 3.80%, 60-Month CD: 3.60%, Savings: 2.53%

Q: What CD terms does Adventure Credit Union offer?

Adventure Credit Union CD rates are 4.00% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.90% APY for a 3 year CD, 4.10% APY for a 4 year CD and 4.35% 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 Adventure Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Adventure Credit Union's 60 month CD rates are at 4.35%, 60-Month CD rates are at 4.35%, 48 month CD rates are at 4.10%, Save to Win CD 12 month rates are at 4.00%, 36 month CD rates are at 3.90%. Adventure Credit Union's savings rates are at 2.53%. Adventure Credit Union's checking rates are as high as 4.07%. Adventure Credit Union's Conventional Fixed Rate 15 Year Term (Special) rates are at 5.62%, Conventional Fixed Rate 20 Year Term (Special) rates are at 5.88%, Conventional Fixed Rate 30 Year Term (Special) rates are at 6.39%. Adventure Credit Union's Personal Loan Rates are as low as 9.49%. Adventure Credit Union's Credit Card Rates are at 10.99%. Adventure Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 4.17%. Rates last updated and verified on 10/29/2026.

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.

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

4.17%

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

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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.

Adventure Credit Union CD Rates

Product	Rate	APY	Term
60 month CD	4.28%	4.35%	60 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40% Oct 19, 20264.35%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
60-Month CD	-	4.35%	60 months
Min Deposit $500 Details APY as high as; Rates valid as of 10/1/2026; Early withdrawal penalty 180 days loss of interest Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
48 month CD	4.038%	4.10%	48 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40% Oct 19, 20264.10%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Save to Win CD 12 month	4.00%	4.00%	12 months
Min Balance $25 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest 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: 4.17%
36 month CD	3.844%	3.90%	36 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30% Oct 19, 20263.90%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
24 month CD	3.747%	3.80%	24 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30% Oct 19, 20263.80%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
18 month CD	3.65%	3.70%	18 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 19, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
18-Month CD	-	3.70%	18 months
Min Deposit $500 Details Rates valid as of 10/1/2026; Early withdrawal penalty 180 days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 9, 20263.70%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
12 month CD	3.601%	3.65%	12 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 19, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
12-Month CD	-	3.65%	12 months
Min Deposit $500 Details Rates valid as of 10/1/2026; Early withdrawal penalty 180 days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 - 60 Month Certificate of Deposit	-	3.60%	6 to 60 months
Min Deposit $500 Details APY range 3.600% - 4.350% by term; Early Withdrawal Penalty: 90 to 180 days interest; Potential Tax Benefits: No; Allows Deposits After Opening: No; Chances to Win Cash Prizes: No Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30% Oct 9, 20263.60%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 - 60 Month IRA CD	-	3.60%	6 to 60 months
Min Deposit $500 Details ROTH or traditional IRA CD; APY range 3.600% - 4.350% by term; Early Withdrawal Penalty: 90 to 180 days interest; Potential Tax Benefits: Yes; Allows Deposits After Opening: No; Chances to Win Cash Prizes: No Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30% Oct 9, 20263.60%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 month CD	3.552%	3.60%	6 months
Min Balance $500 Details Effective Date: October 1, 2026; Early withdrawal penalty: 90-days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 19, 20263.60%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6-Month CD	-	3.60%	6 months
Min Deposit $500 Details APY as high as; Rates valid as of 10/1/2026; Early withdrawal penalty 90 days loss of interest Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 9, 20263.60%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Savings Rates

Product	Rate	APY
Money Market Savings (Tier 5)	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 4)	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 3)	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 2)	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 1)	1.00%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
IRA Savings	0.20%	0.20%
Min Balance $0 Details Balance: $0.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Adventure Savings Account	0.10%	0.10%
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Christmas Club	0.10%	0.10%
Details Rates change annually on Nov. 1st; interest earning account; early withdrawals close the account and forfeit earned interest Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Little Adventurers Club Savings	0.10%	0.10%
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings (Tier 5)	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 4)	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 3)	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 2)	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings (Tier 1)	1.00%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Checking Rates

Product	Rate	APY	View More
Edge Checking	4.00%	4.07%
Min Balance $0 Details Balance: $0.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate 15 Year Term (Special)	5.625%	-	5.854%	15 years
Details Conventional Fixed Rate - Up to $806,500; Origination Fee: 0.75%; Effective Date: September 30, 2026; Requires 20% minimum down payment and maximum debt-to-income ratio of 44%; APRs based on $250,000 purchase price and $200,000 loan amount Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Conventional Fixed Rate 20 Year Term (Special)	5.875%	-	6.06%	20 years
Details Conventional Fixed Rate - Up to $806,500; Origination Fee: 0.75%; Effective Date: September 30, 2026; Requires 20% minimum down payment and maximum debt-to-income ratio of 44%; APRs based on $250,000 purchase price and $200,000 loan amount Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.06% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Conventional Fixed Rate 30 Year Term (Special)	-	-	6.393%	30 years
Details Conventional Fixed Rate - Up to $806,500; Origination Fee: 0.75%; Effective Date: September 30, 2026; Requires 20% minimum down payment and maximum debt-to-income ratio of 44%; APRs based on $250,000 purchase price and $200,000 loan amount Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (1st Lien)	-	-	6.74%	60 months
Details As Low As; Rate shown is for a 60-month home equity loan; requires min. credit score of 680 and max. combined loan to value of 80%; Third party closing costs are applicable 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 2, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (1st)	6.74%	-	6.74%	up to 120 months
Details Fixed rate; first lien; Home Equity rates are based on lien position and the percentage of equity borrowed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 2, 20266.74%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (1st)	6.99%	-	6.99%	up to 180 months
Details Fixed rate; first lien; Home Equity rates are based on lien position and the percentage of equity borrowed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 2, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity HELOC	-	-	7.00%
Details As Low As; Variable rate based on prime plus margin; 10-year draw period; rates range from 6.75% to 13.25%; floor rate 4.00%, maximum rate 18.00%; third party closing costs are applicable Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (1st)	7.24%	-	7.24%	up to 240 months
Details Fixed rate; first lien; Home Equity rates are based on lien position and the percentage of equity borrowed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 2, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (2nd)	7.24%	-	7.24%	up to 120 months
Details Fixed rate; second lien; Home Equity rates are based on lien position and the percentage of equity borrowed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 2, 20267.24%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (2nd)	7.24%	-	7.24%	up to 180 months
Details Fixed rate; second lien; Home Equity rates are based on lien position and the percentage of equity borrowed Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 2, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Electric & Hybrid Vehicle Loan - 2025 & Newer	-	-	5.50%	up to 36 months
Details Model Years 2025 - 2027 Only; Vehicle: 2025 & Newer; Fixed Interest Rate; Rates expressed as APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loan - 2025 & Newer	-	-	5.50%	37 - 48 months
Details Model Years 2025 - 2027 Only; Vehicle: 2025 & Newer; Fixed Interest Rate; Rates expressed as APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loan - 2025 & Newer	-	-	5.50%	49 - 60 months
Details Model Years 2025 - 2027 Only; Vehicle: 2025 & Newer; Fixed Interest Rate; Rates expressed as APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan	5.74%	-	5.74%	37 - 48 months
Details Model Year: 2019 & Newer; Effective Date: September 28, 2026; Auto loan rates are based on credit score and underwriting requirements; For vehicles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan	6.00%	-	6.00%	49 - 60 months
Details Model Year: 2019 & Newer; Effective Date: September 28, 2026; Auto loan rates are based on credit score and underwriting requirements; For vehicles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loan - 2025 & Newer	-	-	6.00%	61 - 72 months
Details Model Years 2025 - 2027 Only; Vehicle: 2025 & Newer; Fixed Interest Rate; Rates expressed as APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loan - 2025 & Newer	-	-	6.24%	73 - 84 months
Details Model Years 2025 - 2027 Only; Vehicle: 2025 & Newer; Fixed Interest Rate; Rates expressed as APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan	6.50%	-	6.50%	61 - 72 months
Details Model Year: 2019 & Newer; Effective Date: September 28, 2026; Auto loan rates are based on credit score and underwriting requirements; For vehicles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan	6.74%	-	6.74%	73 - 84 months
Details Model Year: 2019 & Newer; Effective Date: September 28, 2026; Auto loan rates are based on credit score and underwriting requirements; For vehicles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loan - 2025 & Newer	-	-	6.99%	85 - 96 months
Details Model Years 2025 - 2027 Only; Vehicle: 2025 & Newer; Fixed Interest Rate; Rates expressed as APR Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	5.50%	up to 36 months
Details Model Year: 2019 & Newer; Fixed interest rate expressed as APR; For motorcycles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.50% ▲ 0.26 pts · high 5.50% / low 5.24% Oct 9, 20265.50%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	-	5.74%	37 - 48 months
Details Model Year: 2019 & Newer; Fixed interest rate expressed as APR; For motorcycles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 9, 20265.74%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	-	6.00%	49 - 60 months
Details Model Year: 2019 & Newer; Fixed interest rate expressed as APR; For motorcycles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 6.00% ▲ 0.76 pts · high 6.00% / low 5.24% Oct 9, 20266.00%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	-	6.50%	61 - 72 months
Details Model Year: 2019 & Newer; Fixed interest rate expressed as APR; For motorcycles 2018 and older, contact us for rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 6.50% ▲ 0.76 pts · high 6.50% / low 5.74% Oct 9, 20266.50%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	-	6.74%	73 - 84 months
Details Model Year: 2019 & Newer; Fixed interest rate expressed as APR; For motorcycles 2018 and older, contact us for rates 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 9, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicle & Boat Loan - 1 - 60 months	6.79%	6.79%	1-60 months
Details Recreational Vehicle/Boat; no minimum; Rates are expressed as an annual percentage rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicle & Boat Loan - 85 - 120 months	6.79%	6.79%	85-120 months
Details Recreational Vehicle/Boat; minimum $20,000; Rates are expressed as an annual percentage rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicle & Boat Loan - 121 - 180 months	7.29%	7.29%	121-180 months
Details Recreational Vehicle/Boat; minimum $30,000; Rates are expressed as an annual percentage rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicle & Boat Loan - 61 - 84 months	7.29%	7.29%	61-84 months
Details Recreational Vehicle/Boat; minimum $13,000; Rates are expressed as an annual percentage rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Platinum Plus Card	-	10.99%
Details Fixed APR; Variable: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Business Platinum Mastercard	-	12.99%
Details Fixed APR; Variable: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
MasterCard Classic Platinum Card	-	14.88%
Details Fixed APR; Variable: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.49%	13 - 60 months
Details Personal Loans; Fixed; Effective Date: August 14, 2026; Rates are expressed as an annual percentage rate; based on credit score and underwriting requirements Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Debt Consolidation Loan	10.99%	up to 60 months
Details Personal Loans; Fixed; Effective Date: August 14, 2026; Rates are expressed as an annual percentage rate; based on credit score and underwriting requirements Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Personal Line of Credit	11.50%
Details Personal Loans; Fixed; Effective Date: August 14, 2026; Rates are expressed as an annual percentage rate; based on credit score and underwriting requirements Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adventure Loan	-	-	9.49%	up to 12 months
Details Personal Loans; Fixed; Effective Date: August 14, 2026; Rates are expressed as an annual percentage rate; based on credit score and underwriting requirements Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Single Payment Loan	-	-	13.00%
Details Personal Loans; Fixed; Effective Date: August 14, 2026; Rates are expressed as an annual percentage rate; based on credit score and underwriting requirements Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA) (Tier 1)	0.15%	-	0.15%
Min Balance $0 Details Balance: $0.01 - $1,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA) (Tier 2)	0.20%	-	0.20%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA) (Tier 3)	0.35%	-	0.35%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA) (Tier 4)	0.50%	-	0.50%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Save to Win	-	-	3.75%	12 months
Min Deposit $25 Details Prize-linked savings account; Early Withdrawal Penalty: $25; Potential Tax Benefits: blank on page; Allows Deposits After Opening: blank on page; Chances to Win Cash Prizes: blank on page Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

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

Adventure Credit Union’s Texas Ratio rose from 3.35% in Q3 2023 to 4.17% in Q2 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.

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

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	$646M	4.17%	5.0	A+
March 31, 2026	$642M	3.51%	5.0	A+
December 31, 2025	$629M	5.08%	5.0	A+
September 30, 2025	$628M	3.76%	5.0	A+
June 30, 2025	$642M	3.24%	5.0	A+
March 31, 2025	$646M	2.57%	5.0	A+
December 31, 2024	$448M	3.72%	5.0	A+
September 30, 2024	$436M	3.16%	5.0	A+
June 30, 2024	$443M	2.94%	5.0	A+
March 31, 2024	$448M	2.98%	5.0	A+
December 31, 2023	$435M	3.94%	5.0	A+
September 30, 2023	$425M	3.35%	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 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 162

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

4.17%

Return on Assets (ROA)

0.1840%

Return on Equity (ROE)

1.6009%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

645,909,068

Total Amount of Shares and Deposits

564,149,364

Total Shares and Deposits < 1 Year

540,372,343

Total Shares and Deposits 1 3 Years

19,413,039

Total Shares and Deposits > 3 Years

4,363,982

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

12,778,005

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

12,778,005

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

551,371,359

Total Interest Expense (Sum of items 6 8)

3,918,211

Share Certificates

5,314

Number of Accounts for Share Drafts

25,853

IRA KEOGH Accounts

1,322

Number of Accounts for Regular Shares

56,563

All other shares

560

Money Market Shares

3,106

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

1,188,621

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)

44,010,205

Total Liabilities

571,650,394

Source: NCUA — Last Updated 06/30/2026

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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Adventure Credit Union

Frequently Asked Questions About Adventure Credit Union

Does Adventure Credit Union offer CDs?

Yes. Adventure Credit Union current CD rates include its 60 month CD at 4.35% APY, its 60-Month CD at 4.35% APY and its 48 month CD at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Adventure Credit Union NCUA insured?

Yes. Adventure 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 Adventure Credit Union?

The highest Adventure Credit Union CD rate is its 60 month CD at 4.35% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Adventure Credit Union offer?

Adventure Credit Union CD rates are 4.00% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.90% APY for a 3 year CD, 4.10% APY for a 4 year CD and 4.35% 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 Adventure Credit Union for its full lineup.

What is the highest savings rate at Adventure Credit Union?

The highest Adventure Credit Union savings rate is its IRA Savings at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Adventure Credit Union money market rate is its Money Market Savings (Tier 5) at 2.53% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Adventure Credit Union?

The highest Adventure Credit Union checking rate is its Edge Checking at 4.07% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Adventure Credit Union 30 year fixed mortgage rate is its Conventional Fixed Rate 30 Year Term (Special) at 6.393% APR, verified by MonitorBankRates as of October 29, 2026. Adventure Credit Union mortgage rates are 6.393% APR for a 30 year mortgage, 5.875% for a 20 year mortgage and 5.625% for a 15 year mortgage.

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

The lowest Adventure Credit Union auto loan rate is its Electric & Hybrid Vehicle Loan - 2025 & Newer at 5.50% APR, verified by MonitorBankRates as of October 29, 2026. Adventure Credit Union auto loan rates are 6.79% for a 60 month auto loan, 7.29% for an 84 month auto loan, 6.79% for a 120 month auto loan and 7.29% for a 180 month auto loan.

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

The lowest Adventure Credit Union personal loan rate is its Signature Loan at 9.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Adventure Credit Union?

The lowest Adventure Credit Union credit card APR is its MasterCard Platinum Plus Card Credit Card at 10.99% APR, verified by MonitorBankRates as of October 29, 2026.

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.

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 Adventure Credit Union rates compare?

Adventure Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an A+ health rating. Adventure Credit Union's top rates are its 60 month CD at 4.35% APY, its Money Market Savings (Tier 5) at 2.53% APY, its Edge Checking at 4.07% APY, its Conventional Fixed Rate 15 Year Term (Special) at 5.625%, its Signature Loan at 9.49% APR and its MasterCard Platinum Plus Card Credit Card at 10.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Adventure Credit Union Rates

12-Month CD3.65%
18-Month CD3.70%
24-Month CD3.80%
60-Month CD3.60%
Savings2.53%

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

Compare to Other Credit Unions

Adventure Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Adventure Credit Union Texas Ratio

Adventure Credit Union Health Trend

Adventure Credit Union CD Rates

Adventure Credit Union Savings Rates

Adventure Credit Union Money Market Rates

Adventure Credit Union Checking Rates

Adventure Credit Union Mortgage Rates

Adventure Credit Union Home Equity & HELOC

Adventure Credit Union Auto Loan Rates

Adventure Credit Union RV, Boat and Powersport Loan Rates

Adventure Credit Union Credit Card Rates

Adventure Credit Union Personal Loan Rates

Adventure Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Adventure Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Adventure Credit Union

Does Adventure Credit Union offer CDs?

Are CDs from Adventure Credit Union NCUA insured?

What is the highest CD rate at Adventure Credit Union?

What CD terms does Adventure Credit Union offer?

What is the highest savings rate at Adventure Credit Union?

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

What is the highest checking rate at Adventure Credit Union?

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

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

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

What is the lowest credit card APR at Adventure Credit Union?

How many branches does Adventure Credit Union operate?

Is a member application needed to join Adventure Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Adventure 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 Adventure Credit Union rates compare?

Current Adventure Credit Union Rates

Compare to Other Credit Unions