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Alltrust Credit Union Rates & Review March 2026

Alltrust Credit Union's 5 Month Special CD rates are at 3.65%, 5 Month Special IRA CD rates are at 3.65%, 10 Month Special CD rates are at 3.55%, 10 Month Special IRA CD rates are at 3.55%, 60 Month IRA CD rates are at 0.65%. Alltrust Credit Union's savings rates are at 0.02%. Alltrust Credit Union's money market rates are at 1.00%. Alltrust Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of Alltrust Credit Union with a 3.5 Star Rating, an D Overall Health Grade, and a Texas Ratio of 33.38%. Rates were last updated on 03/25/2026.

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

Overall Health & Safety Grade ?
D
Weak Health Score: 68/100
MonitorBankRates Rating ?
3.5
Good Out of 5.0 Stars
Texas Ratio ?
33.38%
Fair Higher than avg
Alltrust Credit Union
Alltrust Credit Union Main Office
123 Alden Rd
Fairhaven, MA 02719
https://www.alltrustcu.org
Member NCUA

Alltrust Credit Union CD Rates

Product Rate APY Term View More
5 Month Special Certificate 3.59% 3.65% 5
Min Balance $1,000
Details ***
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
5 Month Special IRA Certificate 3.59% 3.65% 5
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
10 Month Special Certificate 3.49% 3.55% 10
Min Balance $1,000
Details ***
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
10 Month Special IRA Certificate 3.49% 3.55% 10
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
60 Month IRA Certificate 0.65% 0.65% 60
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
48 Month IRA Certificate 0.60% 0.60% 48
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
36 Month IRA Certificate 0.50% 0.50% 36
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
24 Month IRA Certificate 0.35% 0.35% 24
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
12 Month College Saver Certificate 0.25% 0.25% 12
Min Balance $500
Details **
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
12 Month IRA Certificate 0.25% 0.25% 12
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
18 Month IRA Certificate 0.25% 0.25% 18
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
6 Month IRA Certificate 0.20% 0.20% 6
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Alltrust Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.05% 0.05%
Min Balance $25
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Core Business Savings 0.05% 0.05%
Min Balance $5
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
IRA Savings 0.05% 0.05%
Min Balance $25
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Regular Savings 0.05% 0.05%
Min Balance $5
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Savings Supreme 0.05% 0.05%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Youth Savings 0.05% 0.05%
Min Balance $5
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Savings Supreme 0.02% 0.02%
Min Balance $5,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Alltrust Credit Union Money Market Rates

Product Rate APY View More
Business Money Market 1.74% 1.75%
Min Balance $250,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Business Money Market 1.49% 1.50%
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Business Money Market 1.24% 1.25%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Business Money Market 1.00% 1.00%
Min Balance $25
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Alltrust Credit Union Checking Rates

Product Rate APY View More
Partner Business Checking 0.05% 0.05%
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Alltrust Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Introductory Fixed-Rate Home Equity Line of Credit - - 5.99% Up to 25 years
Details fixed introductory APR for the first 12 months followed by a variable rate as low as Prime minus 0.50%
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Introductory Home Equity Line of Credit - - 5.99%
Details As Low As; After the introductory period, the rate will adjust to Prime minus 0.50%
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Home Equity Line of Credit - - 6.00% N/A
No additional details.
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Home Equity Loan - - 6.00% 15 years 5/6 SOFR ARM
No additional details.
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Home Equity Loan - - 6.25% 5 years
No additional details.
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Home Equity Loan - - 6.75% 10 years
No additional details.
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Alltrust Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - Model Years 2019-2020 4.99% - 4.99% 48
Details Up to 90% loan-to-value
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Auto Loan - Model Years 2021-2022 4.99% - 4.99% 60
Details Up to 95% loan-to-value
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Auto Loan - Model Years 2023 or later 4.99% - 4.99% 60
Details Up to 100% loan-to-value
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Auto Loan - Model Years 2023 or later 6.24% - 6.24% 84
Details Up to 100% loan-to-value
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Alltrust Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - Unsecured 7.99% 7.99%
Details Up to $15,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Personal Loan - Unsecured 8.99% 8.99%
Details Up to $15,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Personal Loan - Unsecured 10.00% 10.00%
Details Up to $15,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Personal Loan - Unsecured 11.00% 11.00%
Details Up to $15,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%
Personal Loan - Unsecured 12.00% 12.00%
Details Up to $15,000
Last Updated 03/25/2026
Institution Ratings
3.5
Star Rating
D
Health Grade
Texas Ratio: 33.38%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Alltrust 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 Alltrust 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 Alltrust Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alltrust Credit Union
Address 123 Alden Rd, Fairhaven, MA 02719
Phone 508-994-9971
Fax 508-999-0909
President Kristen Sniezek
CEO Carmen Sylvester
Full-Time Employees 43
Part-Time Employees 4
Branch Locations 4
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
3.5 / 5.0 ★
Overall Health & Safety Grade
D (68/100)
Texas Ratio
33.38%
Return on Assets (ROA)
-1.0802%
Return on Equity (ROE)
-12.3960%
Non-Performing Loans Ratio (NPL)
3.84%
Total Assets
303,791,667
Total Amount of Shares and Deposits
246,730,912
Total Shares and Deposits < 1 Year
243,456,196
Total Shares and Deposits 1 3 Years
2,748,520
Total Shares and Deposits > 3 Years
526,196
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,342,203
Total Uninsured Shares and Deposits > $250K (F+J)
17,342,203
Total Insured Shares and Deposits > $250K (item 17 less item K)
229,388,709
Total Interest Expense (Sum of items 6 8)
4,826,840
Share Certificates
1,835
Number of Accounts for Share Drafts
8,422
IRA KEOGH Accounts
640
Number of Accounts for Regular Shares
14,287
All other shares
416
Non Member Deposits
1
Money Market Shares
140
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
43,073,864
Total Liabilities
277,312,176
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Alltrust Credit Union

Is Alltrust Credit Union a safe place to deposit money?

Yes, Alltrust Credit Union is considered a safe financial institution. With a Texas Ratio of 33.381268021075%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Alltrust Credit Union operate?

Alltrust 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 Alltrust Credit Union?

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

Does Alltrust Credit Union offer online and mobile banking?

Most modern institutions like Alltrust 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.alltrustcu.org.

Current Alltrust Credit Union Rates

  • 12-Month CD0.25%
  • 18-Month CD0.25%
  • 24-Month CD0.35%
  • 60-Month CD0.65%
  • Savings0.02%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.