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Afena Federal Credit Union

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Afena Federal Credit Union Rates & Review November 2026

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

Current rates for Afena Federal Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 2.85%, 24-Month CD: 2.75%, 60-Month CD: 2.50%, Savings: 0.15%, MMA: 0.90%

Q: What CD terms does Afena Federal Credit Union offer?

Afena Federal Credit Union CD rates are 3.05% APY for a 6 month CD, 3.40% APY for a 9 month CD, 3.45% APY for a 12 month CD, 3.00% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.50% 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 Afena Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Afena Federal Credit Union's 12 Month CD rates are at 3.45%, 12-Month CD rates are at 3.45%, 9 Month CD rates are at 3.40%, 6 Month CD rates are at 3.05%, 18 Month CD rates are at 3.00%. Afena Federal Credit Union's savings rates are at 0.15%. Afena Federal Credit Union's money market rates are at 0.90%. Afena Federal Credit Union's Personal Loan Rates are as low as 6.99%. Afena Federal Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Afena Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.90%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Afena Federal Credit Union
Headquarters

935 N Baldwin Ave
Marion, IN 46952

https://www.afenafcu.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.

Afena Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	3.39%	3.45%	12 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
12-Month Share Certificate	-	3.45%	12 months
Min Deposit $250 Details As Great As; Savings periods ranging from 3 months to 5 years; Deposits insured up to $250,000 by the NCUA Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.45% → 3.45% ▼ 0.00 pts · high 3.87% / low 3.45% Oct 5, 20263.45%▼ from 3.87% Sep 18, 20263.87%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
9 Month Share Certificate	3.34%	3.40%	9 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
12 Month Share Certificate	3.25%	3.30%	12 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
12 Month Share Certificate	3.25%	3.30%	12 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
9 Month Share Certificate	3.20%	3.25%	9 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
9 Month Share Certificate	3.20%	3.25%	9 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
6 Month Share Certificate	3.00%	3.05%	6 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
18 Month Share Certificate	2.96%	3.00%	18 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
24 Month Share Certificate	2.86%	2.90%	24 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
6 Month Share Certificate	2.86%	2.90%	6 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
6 Month Share Certificate	2.86%	2.90%	6 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
18 Month Share Certificate	2.81%	2.85%	18 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
18 Month Share Certificate	2.81%	2.85%	18 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
24 Month Share Certificate	2.71%	2.75%	24 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
24 Month Share Certificate	2.71%	2.75%	24 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
36 Month Share Certificate	2.62%	2.65%	36 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
48 Month Share Certificate	2.62%	2.65%	48 months
Min Balance $100,000 Details Renewals only; new 48-60-month certificate offerings temporarily suspended; Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
60 Month Share Certificate	2.62%	2.65%	60 months
Min Balance $100,000 Details Renewals only; new 48-60-month certificate offerings temporarily suspended; Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
3 Month Share Certificate	2.52%	2.55%	3 months
Min Balance $100,000 Details Min. Deposit $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
36 Month Share Certificate	2.47%	2.50%	36 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
36 Month Share Certificate	2.47%	2.50%	36 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
48 Month Share Certificate	2.47%	2.50%	48 months
Min Balance $250 Details Renewals only; new 48-60-month certificate offerings temporarily suspended; Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
48 Month Share Certificate	2.47%	2.50%	48 months
Min Balance $10,000 Details Renewals only; new 48-60-month certificate offerings temporarily suspended; Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
60 Month Share Certificate	2.47%	2.50%	60 months
Min Balance $250 Details Renewals only; new 48-60-month certificate offerings temporarily suspended; Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
60 Month Share Certificate	2.47%	2.50%	60 months
Min Balance $10,000 Details Renewals only; new 48-60-month certificate offerings temporarily suspended; Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
3 Month Share Certificate	2.37%	2.40%	3 months
Min Balance $250 Details Min. Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
3 Month Share Certificate	2.37%	2.40%	3 months
Min Balance $10,000 Details Min. Deposit $10,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union Savings Rates

Product	Rate	APY
IRA Shares	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 and over; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
IRA Shares	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
H.S.A. Savings	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 and Over; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
IRA Shares	0.15%	0.15%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Share Savings & Clubs	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 and over; APY = Annual Percentage Yield. Paid Quarterly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
H.S.A. Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
IRA Shares	0.10%	0.10%
Min Balance $150 Details Balance: $150 - $1,999.99; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Share Savings & Clubs	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; APY = Annual Percentage Yield. Paid Quarterly. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
H.S.A. Savings	0.05%	0.05%
Min Balance $150 Details Balance: $150 - $1,999.99; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
H.S.A. Savings	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99; Paid Quarterly Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Share Savings & Clubs	0.05%	0.05%
Min Balance $150 Details Balance: $150 - $1,999.99; APY = Annual Percentage Yield. Paid Quarterly. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Share Savings & Clubs	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99; APY = Annual Percentage Yield. Paid Quarterly. Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.90%	0.90%
Min Balance $100,000 Details Balance: $100,000 and Over; Paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Money Market	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Money Market	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Money Market	0.25%	0.25%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	7.25%	15 Years
Details Featured rate; Rates effective as of 8/3/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto and Motorcycle Loan	-	-	5.49%	Up to 60 months
Details As Low As; Vehicle: New or Used (2022-2026) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	5.79%	Up to 72 months
Details As Low As; Vehicle: New or Used (2022-2026) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	5.99%	Up to 84 months
Details As Low As; Vehicle: New or Used (2022-2026) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	5.99%	Up to 60 months
Details As Low As; Vehicle: Used (2019-2021) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 23, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	6.29%	Up to 72 months
Details As Low As; Vehicle: Used (2019-2021) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	6.49%	Up to 84 months
Details As Low As; Vehicle: Used (2019-2021) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	6.99%	Up to 60 months
Details As Low As; Vehicle: Used (2015-2018) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 6.99% ▲ 1.50 pts · high 6.99% / low 5.49% Oct 23, 20266.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	7.29%	Up to 72 months
Details As Low As; Vehicle: Used (2015-2018) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	7.99%	Up to 60 months
Details As Low As; Vehicle: Used (2014 & Older) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 7.99% ▲ 2.50 pts · high 7.99% / low 5.49% Oct 23, 20267.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Auto and Motorcycle Loan	-	-	8.49%	Up to 72 months
Details As Low As; Vehicle: Used (2014 & Older) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, Jet Skis & RV - New (2024-2026) Loan	-	6.49%	Up to 36 months
Details As Low As; Model Year: New (2024-2026); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
RV & Boat Loans	-	6.49%	Up to 36 months
Details Featured rate; Rates effective as of 8/3/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - New (2024-2026) Loan	-	6.74%	Up to 48 months
Details As Low As; Model Year: New (2024-2026); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - New (2024-2026) Loan	-	6.99%	Up to 60 months
Details As Low As; Model Year: New (2024-2026); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2021-2023) Loan	-	6.99%	Up to 36 months
Details As Low As; Model Year: Used (2021-2023); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2021-2023) Loan	-	7.24%	Up to 48 months
Details As Low As; Model Year: Used (2021-2023); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - New (2024-2026) Loan	-	7.49%	Up to 72 months
Details As Low As; Model Year: New (2024-2026); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2021-2023) Loan	-	7.49%	Up to 60 months
Details As Low As; Model Year: Used (2021-2023); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - New (2024-2026) Loan	-	7.99%	Up to 84 months
Details As Low As; Model Year: New (2024-2026); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2017-2020) Loan	-	7.99%	Up to 36 months
Details As Low As; Model Year: Used (2017-2020); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2021-2023) Loan	-	7.99%	Up to 72 months
Details As Low As; Model Year: Used (2021-2023); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2017-2020) Loan	-	8.24%	Up to 48 months
Details As Low As; Model Year: Used (2017-2020); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2017-2020) Loan	-	8.49%	Up to 60 months
Details As Low As; Model Year: Used (2017-2020); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2021-2023) Loan	-	8.49%	Up to 84 months
Details As Low As; Model Year: Used (2021-2023); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2016 and Older) Loan	-	8.99%	Up to 36 months
Details As Low As; Model Year: Used (2016 and Older); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2017-2020) Loan	-	8.99%	Up to 72 months
Details As Low As; Model Year: Used (2017-2020); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2016 and Older) Loan	-	9.24%	Up to 48 months
Details As Low As; Model Year: Used (2016 and Older); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - New (2024-2026) Loan	-	9.49%	Up to 120 months
Details As Low As; Model Year: New (2024-2026); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2016 and Older) Loan	-	9.49%	Up to 60 months
Details As Low As; Model Year: Used (2016 and Older); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2017-2020) Loan	-	9.49%	Up to 84 months
Details As Low As; Model Year: Used (2017-2020); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2016 and Older) Loan	-	9.99%	Up to 72 months
Details As Low As; Model Year: Used (2016 and Older); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2021-2023) Loan	-	9.99%	Up to 120 months
Details As Low As; Model Year: Used (2021-2023); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2016 and Older) Loan	-	10.49%	Up to 84 months
Details As Low As; Model Year: Used (2016 and Older); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2017-2020) Loan	-	10.99%	Up to 120 months
Details As Low As; Model Year: Used (2017-2020); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Boats, Jet Skis & RV - Used (2016 and Older) Loan	-	11.99%	Up to 120 months
Details As Low As; Model Year: Used (2016 and Older); Minimum Loan Amount tiers listed: $30,001, $50,001, $75,001 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loans	6.99%	Up to 18 months
Details Featured rate; Rates effective as of 8/3/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Unsecured Home Improvement Loan	7.99%	Up to 60 months
Details As Low As; Rates are tiered, rate shown as low as. APR is subject to change without notice. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Personal Loan	9.99%	Up to 18 months
Details As Low As; Rates are tiered, rate shown as low as. APR is subject to change without notice. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Unsecured Home Improvement Loan	9.99%	Up to 180 months
Details As Low As; Rates are tiered, rate shown as low as. APR is subject to change without notice. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Personal Loan	10.24%	18 months - 36 months
Details As Low As; Rates are tiered, rate shown as low as. APR is subject to change without notice. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%
Personal Loan	10.99%	37 months - 60 months
Details As Low As; Rates are tiered, rate shown as low as. APR is subject to change without notice. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

Afena Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Goldline Lines of Credit Loan	-	-	16.90%	Open end line of cre
Details Term: Open end line of credit; Rates are tiered, rate shown as low as. APR is subject to change without notice. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.90%

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

Afena Federal Credit Union’s Texas Ratio rose from 3.94% in Q3 2023 to 7.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 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	$98M	7.90%	5.0	A
March 31, 2026	$96M	7.25%	5.0	A
December 31, 2025	$94M	8.62%	5.0	A
September 30, 2025	$95M	7.52%	5.0	A
June 30, 2025	$99M	5.06%	5.0	A+
March 31, 2025	$100M	5.00%	5.0	A+
December 31, 2024	$97M	5.15%	5.0	A+
September 30, 2024	$98M	4.33%	5.0	A+
June 30, 2024	$98M	4.29%	5.0	A+
March 31, 2024	$99M	4.32%	5.0	A+
December 31, 2023	$98M	5.40%	5.0	A+
September 30, 2023	$98M	3.94%	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 Afena 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 Afena 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 Afena Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Afena Federal Credit Union

Website https://www.afenafcu.org

Address 935 N Baldwin Ave, Marion, IN 46952

Phone 765-664-8089

Fax 765-668-4331

President Mark Souers

CEO Karen Madry

Full-Time Employees 30

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

7.90%

Return on Assets (ROA)

-0.2320%

Return on Equity (ROE)

-2.0779%

Non-Performing Loans Ratio (NPL)

1.49%

Total Assets

97,613,967

Total Amount of Shares and Deposits

85,632,384

Total Shares and Deposits < 1 Year

78,983,933

Total Shares and Deposits 1 3 Years

4,912,649

Total Shares and Deposits > 3 Years

1,735,803

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

4,015,044

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

4,015,044

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

81,617,340

Total Interest Expense (Sum of items 6 8)

587,751

Share Certificates

599

Number of Accounts for Share Drafts

4,748

IRA KEOGH Accounts

148

Number of Accounts for Regular Shares

10,769

All other shares

Non Member Deposits

Money Market Shares

174

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

-226,453

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)

756,424

Total Liabilities

89,515,695

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Afena 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.

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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 Afena Federal Credit Union

Frequently Asked Questions About Afena Federal Credit Union

Does Afena Federal Credit Union offer CDs?

Yes. Afena Federal Credit Union current CD rates include its 12 Month CD at 3.45% APY, its 12-Month CD at 3.45% APY and its 9 Month CD at 3.40% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Afena Federal Credit Union NCUA insured?

Yes. Afena Federal 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 Afena Federal Credit Union?

The highest Afena Federal Credit Union CD rate is its 12 Month CD at 3.45% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Afena Federal Credit Union offer?

Afena Federal Credit Union CD rates are 3.05% APY for a 6 month CD, 3.40% APY for a 9 month CD, 3.45% APY for a 12 month CD, 3.00% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.50% 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 Afena Federal Credit Union for its full lineup.

What is the highest savings rate at Afena Federal Credit Union?

The highest Afena Federal Credit Union savings rate is its H.S.A. Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Afena Federal Credit Union?

The highest Afena Federal Credit Union money market rate is its Money Market at 0.90% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Afena Federal Credit Union?

The lowest Afena Federal Credit Union auto loan rate is its Auto and Motorcycle Loan at 5.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Afena Federal Credit Union?

The lowest Afena Federal Credit Union personal loan rate is its Unsecured Home Improvement Loan at 7.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Afena Federal Credit Union operate?

Afena 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 Afena Federal Credit Union?

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

Does Afena Federal Credit Union offer online and mobile banking?

Most modern institutions like Afena 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.afenafcu.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 Afena Federal Credit Union rates compare?

Afena Federal Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A health rating. Afena Federal Credit Union's top rates are its 12 Month CD at 3.45% APY, its H.S.A. Savings at 0.15% APY, its Money Market at 0.90% APY and its Debt Consolidation Loans at 6.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Afena Federal Credit Union Rates

12-Month CD3.30%
18-Month CD2.85%
24-Month CD2.75%
60-Month CD2.50%
Savings0.15%
MMA0.90%

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

Compare to Other Credit Unions

Afena Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Afena Federal Credit Union Texas Ratio

Afena Federal Credit Union Health Trend

Afena Federal Credit Union CD Rates

Afena Federal Credit Union Savings Rates

Afena Federal Credit Union Money Market Rates

Afena Federal Credit Union Home Equity & HELOC

Afena Federal Credit Union Auto Loan Rates

Afena Federal Credit Union RV, Boat and Powersport Loan Rates

Afena Federal Credit Union Personal Loan Rates

Afena Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Afena Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Afena Federal Credit Union

Does Afena Federal Credit Union offer CDs?

Are CDs from Afena Federal Credit Union NCUA insured?

What is the highest CD rate at Afena Federal Credit Union?

What CD terms does Afena Federal Credit Union offer?

What is the highest savings rate at Afena Federal Credit Union?

What is the highest money market rate at Afena Federal Credit Union?

What is the lowest auto loan rate at Afena Federal Credit Union?

What is the lowest personal loan rate at Afena Federal Credit Union?

How many branches does Afena Federal Credit Union operate?

Is a member application needed to join Afena Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Afena Federal 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 Afena Federal Credit Union rates compare?

Current Afena Federal Credit Union Rates

Compare to Other Credit Unions