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Alltru Federal Credit Union

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Alltru Federal Credit Union Rates & Review November 2026

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

Current rates for Alltru Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 2.00%, 24-Month CD: 2.05%, 60-Month CD: 1.70%, Savings: 5.01%, MMA: 0.15%

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

Alltru Federal Credit Union CD rates are 2.50% APY for a 6 month CD, 4.31% APY for a 7 month CD, 3.50% APY for a 12 month CD, 4.41% APY for a 13 month CD, 2.00% APY for an 18 month CD, 2.05% APY for a 2 year CD and 1.70% 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 Alltru Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Alltru Federal Credit Union's 13-Month CD rates are at 4.41%, 7-Month CD rates are at 4.31%, CD of Deposit (CD) - 12 month rates are at 3.50%, CD of Deposit (CD) - 6 month rates are at 2.50%, CD of Deposit (CD) - 24 month rates are at 2.05%. Alltru Federal Credit Union's savings rates are at 5.01%. Alltru Federal Credit Union's money market rates are at 0.15%. Alltru Federal Credit Union's checking rates are as high as 1.00%. Alltru Federal Credit Union's Personal Loan Rates are as low as 10.84%. Alltru Federal Credit Union's Credit Card Rates are at 11.49%. Alltru Federal Credit Union's CD rates are 15% lower than the MonitorBankRates national average, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Alltru Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.06%. Rates last updated and verified on 10/29/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.06%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Alltru Federal Credit Union
Main Office

1232 Wentzville Pkwy
Wentzville, MO 63385-3868

https://www.alltrucu.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.

Alltru Federal Credit Union CD Rates

Product	Rate	APY	Term
13-Month CD	-	4.41%	13 months
Min Deposit $250 Details Limited Time CD Offer Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 4.00% → 4.41% ▲ 0.41 pts · high 4.41% / low 4.00% Oct 29, 20264.41%▲ from 4.26% Oct 5, 20264.26%▲ from 4.05% Sep 18, 20264.05%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 13 month CD Special Rate	-	4.41%	13 month
Min Deposit $250 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.26% → 4.41% ▲ 0.15 pts · high 4.41% / low 4.26% Oct 29, 20264.41%▲ from 4.26% Oct 13, 20264.26%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Individual Retirement Account (IRA) Certificate - 13 month	-	4.41%	13 month
Details IRA Special Rate Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 4.26% → 4.41% ▲ 0.15 pts · high 4.41% / low 4.26% Oct 29, 20264.41%▲ from 4.26% Oct 19, 20264.26%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
7-Month CD	-	4.31%	7 months
Min Deposit $250 Details Limited Time CD Offer Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.10% → 4.31% ▲ 0.21 pts · high 4.31% / low 4.10% Oct 29, 20264.31%▲ from 4.15% Sep 18, 20264.15%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 7 month CD Special Rate	-	4.31%	7 month
Min Deposit $250 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.15% → 4.31% ▲ 0.16 pts · high 4.31% / low 4.15% Oct 29, 20264.31%▲ from 4.15% Oct 13, 20264.15%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Individual Retirement Account (IRA) Certificate - 7 month	-	4.31%	7 month
Details IRA Special Rate Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 4.15% → 4.31% ▲ 0.16 pts · high 4.31% / low 4.15% Oct 29, 20264.31%▲ from 4.15% Oct 19, 20264.15%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
14-Month Bump Up CD	-	4.16%	14 months
Min Deposit $250 Details 4.16% APY starting rate; fixed starting rate; one opportunity to increase rate during the term if eligible CD rates go up Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.16% APY Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Individual Retirement Account (IRA) Certificate - 14 month	-	4.16%	14 month
Details Bump Up IRA Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.16% APY Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 12 month	-	3.50%	12 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 6 month	-	2.50%	6 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.50% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 24 month	-	2.05%	24 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.05% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 36 month	-	2.05%	36 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.05% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 18 month	-	2.00%	18 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 48 month	-	1.70%	48 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.70% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 60 month	-	1.70%	60 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.70% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificate of Deposit (CD) - 3 month	-	1.00%	3 month
Min Deposit $250 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.00% APY · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Savings Rates

Product	Rate	APY
Cubby Youth Savings	-	5.01%
Details Debit Card: Yes; For kids 7 and under; Prizes for deposits over $10; Annual birthday surprise Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.01% APY · checked 8 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RollUp Savings	-	5.01%
Details Featured on CD page savings accounts section Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.01% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Youth Savings	-	5.01%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.01% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
High Yield Online Savings	-	2.00%
Min Balance $0 Details Balance: less than $25,000 daily balance; Debit Card: Yes; $0 minimum balance; No withdraw penalties; No maintenance fees Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Savings Account	-	1.00%
Details No minimum balance required; Beneficial tax benefits; A competitive dividend rate; Flexibility as a Traditional or Roth Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Health Savings Account (HSA)	-	0.10%
Details Debit Card: Yes; Save toward future medical expenses; No spend it or lose it stipulations; Tax advantages Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
High Yield Online Savings	-	0.05%
Min Balance $0 Details Balance: more than $25,000 daily balance; Debit Card: Yes; $0 minimum balance; No withdraw penalties; No maintenance fees Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 0.05% ▼ 1.95 pts · high 2.00% / low 0.05% Oct 13, 20260.05%▼ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Primary Savings	-	0.05%
Details Debit Card: Yes; Headline: As High As 5.01% APY; 30,000 ATM access nationwide; Free mobile and online banking; Federally insured by the NCUA Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.01% → 0.05% ▼ 4.96 pts · high 5.01% / low 0.05% Sep 21, 20260.05%▼ from 5.01%* Sep 14, 20265.01%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
TruSpend Savings	-	0.05%
Details Ages: 8-17; Debit Card: Yes; For teens 8 to 17 years old; No minimum balance; No monthly fees Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	0.15%
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Money Market	-	0.10%
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Alltru Money Market Account	-	0.05%
Min Deposit $250 Min Balance $250 Details Must maintain at least $250 in the account each day to obtain the disclosed APY and avoid a $10 monthly fee; Rates effective 9/25/24 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Money Market	-	0.05%
Min Balance $250 Details Balance: $250 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premium Checking	-	1.00%
Details $8 waived for monthly fees greater than $15,000; Identity Theft Protection; Cell Phone Protection; Telehealth; And more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - Up to 5 years	-	-	6.59%	Up to 5 years
Details As Low As; Up to 90% max CLTV; $10,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.59% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Equity Loans - 8 years	-	-	6.79%	8 years
Details As Low As; Up to 90% max CLTV; $10,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.79% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Equity Loans - 15 years	-	-	6.99%	15 years
Details As Low As; Up to 90% CLTV; $10,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Equity Loans - 20 years	-	-	7.19%	20 years
Details As Low As; Up to 90% CLTV; $10,000 minimum loan amount Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.19% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Equity Line of Credit	-	-	7.50%	Up to 25 years
Details As Low As; Introductory offer: 5.69% APR; Loan amount: $10,000 minimum Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.74%
Details As Low As; New/Used Auto Loans Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.99% → 4.74% ▲ 0.75 pts · high 4.74% / low 3.99% Oct 26, 20264.74%▲ from 3.99% Oct 13, 20263.99%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
New/Used Auto Loans	-	-	4.74%	36 months
Details As Low As; Auto loan, New/Used Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.74% ▲ 0.75 pts · high 4.74% / low 3.99% Oct 19, 20264.74%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
New/Used Auto Loans	-	-	5.24%	48 months
Details As Low As; Auto loan, New/Used Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
New/Used Auto Loans	-	-	5.24%	60 months
Details As Low As; Auto loan, New/Used Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
New/Used Auto Loans	-	-	5.99%	72 months
Details As Low As; Auto loan, New/Used Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
New/Used Auto Loans	-	-	7.74%	73 to 84 months
Details As Low As; Auto loan, New/Used Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
First Time Buyer Auto Loan	-	-	15.99%	Up to 72 months
Details As Low As; Loan amount: Less than $20,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 15.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan (New/Used)	-	6.74%	Up to 36 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Recreational Loans	-	6.74%
Details As Low As; Boat, Jet Ski & ATV, Motorcycle, RV, Golf Cart Loans Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.74% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Motorcycle Loan (New/Used)	-	7.39%	37 to 72 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 8 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Motorcycle Loan (New/Used)	-	7.99%	73 to 84 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Boat, Jet Ski & ATV Loan (New/Used)	-	8.84%	Up to 60 months
Details As Low As; Loan amount: Less than $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Boat, Jet Ski & ATV Loan (New/Used)	-	8.84%	72 month minimum
Details As Low As; Loan amount: More than $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	8.84%	Up to 60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	8.84%	72 month minimum
Details As Low As; Loan amount: More than $10,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.84% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Golf Cart Loan	-	8.94%	Up to 24 months
Details As Low As; Loan amount: More than $5,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.94% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Golf Cart Loan	-	8.94%	25 to 36 months
Details As Low As; Loan amount: More than $10,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.94% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Golf Cart Loan	-	8.94%	37 to 48 months
Details As Low As; Loan amount: More than $15,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.94% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Boat, Jet Ski & ATV Loan (New/Used)	-	9.49%	73 to 96 months
Details As Low As; Loan amount: More than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	9.49%	84 month minimum
Details As Low As; Loan amount: More than $10,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	9.49%	96 month minimum
Details As Low As; Loan amount: More than $10,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 10 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Boat, Jet Ski & ATV Loan (New/Used)	-	9.74%	120 month minimum
Details As Low As; Loan amount: More than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	9.74%	120 month minimum
Details As Low As; Loan amount: More than $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Boat, Jet Ski & ATV Loan (New/Used)	-	10.24%	144 month minimum
Details As Low As; Loan amount: More than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	10.24%	144 month minimum
Details As Low As; Loan amount: More than $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	10.49%	180 month minimum
Details As Low As; Loan amount: More than $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
RV Loan (New/Used)	-	10.74%	240 month minimum
Details As Low As; Loan amount: More than $30,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Credit Card Rates

Product	Rate	APR
Premier Rate Visa	-	11.49%
Details As Low As; Variable rate / as low as APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Visa Credit Cards	-	11.49%
Details As Low As; Signature Rewards Visa, Premier Rate Visa, Blue Secured Visa Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.49% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Signature Rewards Visa	-	13.49%
Details As Low As; Variable rate / as low as APR; View Terms link Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Blue Secured Visa	-	18.00%
Details As Low As; Variable rate / as low as APR* Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.84%	Up to 24 months
Details As Low As; Max loan amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.84% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Personal Loan	11.80%	36 months
Details As Low As; Max loan amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.80% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Personal Loan	12.30%	48 months
Details As Low As; Max loan amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.30% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Personal Loan	12.99%	60 months
Details As Low As; Max loan amount: $20,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Signature Rewards Visa	13.49%
Details As Low As; Variable rate / as low as APR; View Terms link Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 11 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Alltru Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Consumer Loans	-	-	6.00%
Details As Low As; Consumer Loans Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.00% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Credit Builder Loan	-	-	12.00%	Up to 24 months
Details As Low As; Max loan amount: $2,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.00% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Improvement Loan	-	-	6.24%	Up to 180 months
Details As Low As; Loan amount: $2,500 to $10,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Improvement Loan	-	-	7.24%	Up to 180 months
Details As Low As; Loan amount: $10,001 to $25,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.24% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Home Loans	-	-	6.59%
Details As Low As; Home Loans Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.59% APR · checked 4 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Line of Credit	-	-	10.25%
Details As Low As; Variable; Loan amount: $20,000 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 6.00% → 10.25% ▲ 4.25 pts · high 10.25% / low 6.00% Oct 13, 202610.25%▲ from 6.00% Sep 29, 20266.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
Certificates of Deposit (CD)	-	-	4.41%
Details Up to 4.41% APY Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.26% → 4.41% ▲ 0.15 pts · high 4.41% / low 4.26% Oct 29, 20264.41%▲ from 4.26% Oct 13, 20264.26%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 12 month	-	-	3.50%	12 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 13 month IRA Special Rate	-	-	4.41%	13 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.41% APY Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 18 month	-	-	2.00%	18 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 24 month	-	-	2.05%	24 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 3 month	-	-	1.00%	3 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 36 month	-	-	2.05%	36 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 48 month	-	-	1.70%	48 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 6 month	-	-	2.50%	6 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 60 month	-	-	1.70%	60 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 7 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%
IRA Certificate - 7 month IRA Special Rate	-	-	4.31%	7 month
Details Available as Traditional, Roth, or Coverdell IRA certificate Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.31% APY Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Alltru Federal Credit Union’s Texas Ratio rose from 7.84% in Q3 2023 to 16.06% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 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	$401M	16.06%	4.9	A-
March 31, 2026	$403M	15.36%	5.0	A-
December 31, 2025	$393M	13.08%	5.0	A
September 30, 2025	$383M	11.20%	5.0	A
June 30, 2025	$375M	10.29%	5.0	A
March 31, 2025	$364M	9.43%	5.0	A
December 31, 2024	$360M	11.26%	5.0	A
September 30, 2024	$359M	9.70%	5.0	A
June 30, 2024	$350M	7.72%	5.0	A
March 31, 2024	$344M	7.92%	5.0	A
December 31, 2023	$349M	7.66%	5.0	A
September 30, 2023	$346M	7.84%	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 Alltru 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 Alltru 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 Alltru Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alltru Federal Credit Union

Website https://www.alltrucu.org

Address 1232 Wentzville Pkwy, Wentzville, MO 63385-3868

Phone 636-916-8300

Fax

President Gina Hakenewerth

CEO Michelle Rosner

Full-Time Employees 131

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (91/100)

Texas Ratio

16.06%

Return on Assets (ROA)

0.1019%

Return on Equity (ROE)

1.0811%

Non-Performing Loans Ratio (NPL)

2.38%

Total Assets

400,622,976

Total Amount of Shares and Deposits

361,902,029

Total Shares and Deposits < 1 Year

357,753,373

Total Shares and Deposits 1 3 Years

3,782,366

Total Shares and Deposits > 3 Years

366,289

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

15,109,892

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

15,109,892

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

346,792,137

Total Interest Expense (Sum of items 6 8)

2,361,496

Share Certificates

2,668

Number of Accounts for Share Drafts

23,608

IRA KEOGH Accounts

290

Number of Accounts for Regular Shares

84,942

Non Member Deposits

Money Market Shares

150

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,227,013

Total Liabilities

368,101,596

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Alltru Federal Credit Union

Does Alltru Federal Credit Union offer CDs?

Yes. Alltru Federal Credit Union current CD rates include its 13-Month CD at 4.41% APY, its 7-Month CD at 4.31% APY and its CD of Deposit (CD) - 12 month at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Alltru Federal Credit Union NCUA insured?

Yes. Alltru 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 Alltru Federal Credit Union?

The highest Alltru Federal Credit Union CD rate is its 13-Month CD at 4.41% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Alltru Federal Credit Union offer?

Alltru Federal Credit Union CD rates are 2.50% APY for a 6 month CD, 4.31% APY for a 7 month CD, 3.50% APY for a 12 month CD, 4.41% APY for a 13 month CD, 2.00% APY for an 18 month CD, 2.05% APY for a 2 year CD and 1.70% 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 Alltru Federal Credit Union for its full lineup.

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

The highest Alltru Federal Credit Union savings rate is its Cubby Youth Savings at 5.01% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Alltru Federal Credit Union money market rate is its Money Market at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Alltru Federal Credit Union?

The highest Alltru Federal Credit Union checking rate is its Premium Checking at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Alltru Federal Credit Union auto loan rate is its Auto Loans at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Alltru Federal Credit Union personal loan rate is its Personal Loan at 10.84% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Alltru Federal Credit Union?

The lowest Alltru Federal Credit Union credit card APR is its Premier Rate Visa Credit Card at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Alltru Federal Credit Union operate?

Alltru 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 Alltru Federal Credit Union?

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

Does Alltru Federal Credit Union offer online and mobile banking?

Most modern institutions like Alltru 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.alltrucu.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 Alltru Federal Credit Union rates compare?

Alltru Federal Credit Union's CD rates are 15% lower than the MonitorBankRates national average, and it has an A- health rating. Alltru Federal Credit Union's top rates are its 13-Month CD at 4.41% APY, its Cubby Youth Savings at 5.01% APY, its Money Market at 0.15% APY, its Premium Checking at 1.00% APY, its Personal Loan at 10.84% APR and its Premier Rate Visa Credit Card at 11.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Alltru Federal Credit Union Rates

12-Month CD3.50%
18-Month CD2.00%
24-Month CD2.05%
60-Month CD1.70%
Savings5.01%
MMA0.15%

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

Compare to Other Credit Unions

Alltru Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Alltru Federal Credit Union Texas Ratio

Alltru Federal Credit Union Health Trend

Alltru Federal Credit Union CD Rates

Alltru Federal Credit Union Savings Rates

Alltru Federal Credit Union Money Market Rates

Alltru Federal Credit Union Checking Rates

Alltru Federal Credit Union Home Equity & HELOC

Alltru Federal Credit Union Auto Loan Rates

Alltru Federal Credit Union RV, Boat and Powersport Loan Rates

Alltru Federal Credit Union Credit Card Rates

Alltru Federal Credit Union Personal Loan Rates

Alltru Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Alltru Federal Credit Union

Does Alltru Federal Credit Union offer CDs?

Are CDs from Alltru Federal Credit Union NCUA insured?

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

What CD terms does Alltru Federal Credit Union offer?

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

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

What is the highest checking rate at Alltru Federal Credit Union?

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

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

What is the lowest credit card APR at Alltru Federal Credit Union?

How many branches does Alltru Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Alltru 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 Alltru Federal Credit Union rates compare?

Current Alltru Federal Credit Union Rates

Compare to Other Credit Unions