What are the current interest rates at AllCom Credit Union?

Current rates for AllCom Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 4.05%, 60-Month CD: 4.20%, Savings: 0.02%, MMA: 2.00%

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AllCom Credit Union

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AllCom Credit Union Rates & Review October 2026

Q: How many branches does AllCom Credit Union operate?

AllCom 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.

Q: Is a member application needed to join AllCom Credit Union?

Yes, to access services at AllCom 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.

Q: Is there a first-time homebuyer program?

Currently, AllCom 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

AllCom Credit Union's top rates as of October 10, 2026 are 4.30% APY on its 60 month Jumbo CD, 0.02% APY on savings, 2.00% APY on money market accounts, and 5.25% on its 10 Year Fixed mortgage, according to rates verified by MonitorBankRates. Other AllCom Credit Union CD rates include 48 month Jumbo CD at 4.25%, 36 month Jumbo CD at 4.20%, and 60 month Term CD (CD & IRA) at 4.20%. Other AllCom Credit Union mortgage rates include 15 Year Fixed at 5.50%, 20 Year Fixed at 5.75%, and 30 Year Fixed at 6.00%. MonitorBankRates evaluates the financial stability of AllCom Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.25%. Rates last updated and verified on 10/10/2026.

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

Ranked #73 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

AllCom Credit Union
AllCom Credit Union

36 Park Ave
Worcester, MA 01609

https://www.allcomcu.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.

AllCom Credit Union CD Rates

Product	Rate	APY	Term
60 month Jumbo CD	-	4.30%	60 Months
Min Balance $50,000 Details Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
48 month Jumbo CD	-	4.25%	48 Months
Min Balance $50,000 Details Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
36 month Jumbo CD	-	4.20%	36 Months
Min Balance $50,000 Details Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
60 month Term Share Certificate (CD & IRA)	-	4.20%	60 Months
Min Deposit $500 Details Regular CD - min $500. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
24 month Jumbo CD	-	4.15%	24 Months
Min Balance $50,000 Details Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
48 month Term Share Certificate (CD & IRA)	-	4.15%	48 Months
Min Deposit $500 Details Regular CD - min $500. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
36 month Term Share Certificate (CD & IRA)	-	4.10%	36 Months
Min Deposit $500 Details Regular CD - min $500. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
24 month Term Share Certificate (CD & IRA)	-	4.05%	24 Months
Min Deposit $500 Details Regular CD - min $500. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
12 month Term Share Certificate (CD & IRA)	-	4.00%	12 Months
Min Deposit $500 Details Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
13 month Term Share Certificate (CD & IRA)	-	4.00%	13 Months
Min Deposit $500 Details Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
18 month Term Share Certificate (CD & IRA)	-	4.00%	18 Months
Min Deposit $500 Details Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
6 month Term Share Certificate (CD & IRA)	-	3.95%	6 Months
Min Deposit $500 Details Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
7 month Term Share Certificate (CD & IRA)	-	3.95%	7 Months
Min Deposit $500 Details Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
9 month Term Share Certificate (CD & IRA)	-	3.95%	9 Months
Min Deposit $500 Details Regular CD - min $500. Jumbo CD not offered at this term. A penalty may be imposed for early withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
6-Month Certificate Special	-	3.50%	6 Months
Min Deposit $500 Details Shorter-term, higher-yield certificate. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

AllCom Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.02%
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Share Savings	-	0.02%
Min Deposit $25 Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Vacation Club	-	0.02%
Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

AllCom Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market Account	-	2.00%
Min Balance $300,000 Details Maximum of three (3) withdrawals per month. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Premium Money Market Account	-	1.50%
Min Balance $100,000 Details Maximum of three (3) withdrawals per month. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Premium Money Market Account	-	1.40%
Min Balance $50,000 Details Maximum of three (3) withdrawals per month. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Premium Money Market Account	-	1.25%
Min Balance $15,000 Details Maximum of three (3) withdrawals per month. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Basic Money Market	1.00%	1.00%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 and above; Up to 6 withdrawals per month. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Money Market Account	-	1.00%
Min Balance $2,000 Details Maximum of six (6) withdrawals per month. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

AllCom Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	5.25%	0	5.45%	10 Years
Details Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
15 Year Fixed	5.50%	0	5.643%	15 Years
Details Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
20 Year Fixed	5.75%	0	5.865%	20 Years
Details Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.87% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
30 Year Fixed	6.00%	0	6.088%	30 Years
Details Rate As Low As; Conforming Fixed Rate Loan Limits: 1 family $$766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

AllCom Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
TRIM 30 Year Loan	6.125%	0	6.214%	30 Years
Details TRIM - The Rate Improver Mortgage; Rate As Low As; Maximum Loan Amount is $800,000. Property type is limited to primary residence only, single-family and warrantable condominium homes. Payment/$1,000 does not include amounts for taxes and insurance premiums. Rates advertised are the best currently available based on credit-worthiness, collateral value and income requirements. Other rates, terms and programs are available. Please contact our mortgage lending department at 508.754.9980 for complete details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.21% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
IRA Share Account	-	-	0.02%
Min Deposit $25 Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

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

AllCom Credit Union’s Texas Ratio stayed near 0.10% in Q3 2023 to 0.25% 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	$82M	0.25%	5.0	A+
March 31, 2026	$83M	0.17%	5.0	A+
December 31, 2025	$83M	0.10%	5.0	A+
September 30, 2025	$82M	0.23%	5.0	A+
June 30, 2025	$81M	0.27%	5.0	A+
March 31, 2025	$82M	0.05%	5.0	A+
December 31, 2024	$79M	0.04%	5.0	A+
September 30, 2024	$80M	0.18%	5.0	A+
June 30, 2024	$79M	0.07%	5.0	A+
March 31, 2024	$80M	0.06%	5.0	A+
December 31, 2023	$79M	0.00%	5.0	A+
September 30, 2023	$78M	0.10%	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 AllCom 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 AllCom 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 AllCom Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name AllCom Credit Union

Website https://www.allcomcu.org

Address 36 Park Ave, Worcester, MA 01609

Phone 508-754-9980

Fax 508-754-7487

President Sean Hunter

CEO Laura Ybarra

Full-Time Employees 15

Part-Time Employees 2

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.25%

Return on Assets (ROA)

0.1812%

Return on Equity (ROE)

1.0914%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

81,809,959

Total Amount of Shares and Deposits

67,796,216

Total Shares and Deposits < 1 Year

64,539,483

Total Shares and Deposits 1 3 Years

3,019,467

Total Shares and Deposits > 3 Years

237,266

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

2,388,626

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

2,388,626

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

65,407,590

Total Interest Expense (Sum of items 6 8)

393,788

Share Certificates

480

Number of Accounts for Share Drafts

2,493

IRA KEOGH Accounts

146

Number of Accounts for Regular Shares

4,563

All other shares

405

Money Market Shares

163

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)

5,323,747

Total Liabilities

68,764,992

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

AllCom Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #73 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About AllCom Credit Union

How many branches does AllCom Credit Union operate?

AllCom 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 AllCom Credit Union?

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

Does AllCom Credit Union offer online and mobile banking?

Most modern institutions like AllCom 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.allcomcu.org.