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American United Federal Credit Union

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American United Federal Credit Union Rates & Review November 2026

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

Current rates for American United Federal Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.90%, 24-Month CD: 3.90%, 60-Month CD: 3.90%, Savings: 0.50%, MMA: 3.25%

Q: What CD terms does American United Federal Credit Union offer?

American United Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with American United Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

American United Federal Credit Union's 12 Month CD - GoldStar rates are at 4.00%, 18 Month CD - GoldStar rates are at 4.00%, 24 Month CD - GoldStar rates are at 4.00%, 36 Month CD - GoldStar rates are at 4.00%, 48 Month CD - GoldStar rates are at 4.00%. American United Federal Credit Union's savings rates are at 0.50%. American United Federal Credit Union's money market rates are at 3.25%. American United Federal Credit Union's checking rates are as high as 0.20%. American United Federal Credit Union's First Mortgage rates are at 4.99%. American United Federal Credit Union's Personal Loan Rates are as low as 10.99%. American United Federal Credit Union's Credit Card Rates are at 9.90%. American United Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of American United Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.55%. Rates last updated and verified on 10/28/2026.

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

7.55%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

American United Federal Credit Union
West Jordan

2687 W 7800 S
West Jordan, UT 84088

https://www.amucu.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.

American United Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate - GoldStar	3.929%	4.00%	12-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
18 Month Certificate - GoldStar	3.929%	4.00%	18-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
24 Month Certificate - GoldStar	3.929%	4.00%	24-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
36 Month Certificate - GoldStar	3.929%	4.00%	36-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
48 Month Certificate - GoldStar	3.929%	4.00%	48-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
6 Month Certificate - GoldStar	3.929%	4.00%	6-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
60 Month Certificate - GoldStar	3.929%	4.00%	60-month
Min Balance $500 Details GoldStar membership required; Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
12 Month Certificate	3.832%	3.90%	12-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
18 Month Certificate	3.832%	3.90%	18-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
24 Month Certificate	3.832%	3.90%	24-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
36 Month Certificate	3.832%	3.90%	36-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
48 Month Certificate	3.832%	3.90%	48-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
6 Month Certificate	3.832%	3.90%	6-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
60 Month Certificate	3.832%	3.90%	60-month
Min Balance $500 Details Regular & IRA minimum balance $500+; Dedicated Saver minimum balance $5+; Early withdrawal penalty is 180 days of dividends Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Savings Rates

Product	Rate	APY
Retirement (IRA) Savings	0.499%	0.50%
Min Deposit $0 Min Balance $1 Details Balance: $1+; Subject to early withdrawal penalty before the age of 59.5 (Traditional before-tax or Roth after-tax IRAs) Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Youth Savings	0.15%	0.15%
Min Deposit $5 Min Balance $50 Details Balance: $50+; Must be younger than 18 years of age to open a Youth Savings account Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
GoldStar Savings	0.125%	0.125%
Min Deposit $5 Min Balance $50 Details Balance: $50+; Additional requirements apply for GoldStar membership Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Club Savings	0.10%	0.10%
Min Deposit $0 Min Balance $25 Details Balance: $25+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $50 Details Balance: $50+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.125%	0.125%
Min Deposit $5 Min Balance $50 Details Balance: $50+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.203%	3.25%
Min Balance $250,000 Details Balance: $250,000 and Greater Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Money Market	2.667%	2.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Money Market	2.031%	2.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Money Market	1.687%	1.70%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Money Market	1.144%	1.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Money Market	0.995%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Money Market	0.946%	0.95%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Checking Rates

Product	Rate	APY
GoldStar Checking	0.10%	0.10%
Min Deposit $0 Min Balance $500 Details Balance: $500+; Additional requirements apply for GoldStar membership Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Primary Checking	0.05%	0.05%
Min Deposit $0 Min Balance $500 Details Balance: $500+; Dividend rate 0.050% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Premier Checking	0.20%	0.20%
Min Deposit $0 Min Balance $500 Details Balance: $500+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Business Basic Checking	0.05%	0.05%
Min Deposit $0 Min Balance $500 Details Balance: $500+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
First Mortgage	-	-	4.99%	5, 7, & 10-years
Details As Low As; Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.49%	5, 7, 10, & 15-years
Details As Low As; Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 5.49% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Home Equity HELOC - After Intro Rate	-	-	8.00%
Details As Low As; Rate after 6-month intro period; 20-year HELOC: 10-year draw with a 20-year amortization Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2020 & Newer	-	-	4.99%	60 months
Details As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2020 & Newer	-	-	5.24%	72 months
Details As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2020 & Newer (Branded/Rebuilt Title)	-	-	5.49%	60 months
Details As Low As; Model Year: 2020 & Newer (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2019 & Older	-	-	5.99%	60 months
Details As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2020 & Newer	-	-	5.99%	84 months
Details As Low As; Model Year: 2020 & Newer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2019 & Older	-	-	6.24%	72 months
Details As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2019 & Older (Branded/Rebuilt Title)	-	-	6.49%	60 months
Details As Low As; Model Year: 2019 & Older (Branded/Rebuilt Title); Not eligible for GAP coverage; unable to extend loan terms for Debt Protection or Mechanical Breakdown coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Auto Loan - 2019 & Older	-	-	6.99%	84 months
Details As Low As; Model Year: 2019 & Older; GoldStar Membership required, otherwise rate is 0.25% APR higher; Loan terms can be extended up to 6 months for adding Debt Protection, GAP, or Mechanical Breakdown coverages Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
First-Time Auto Buyer Program - 60 months	-	-	8.49%	60 months
Details As Low As; No Payments for 90 Days; Max loan amount of $25,000; Loan-to-Value up to 95%; Limited Time Offer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Used vehicles no more than 12 years old or 150,000 miles for 60 month loan; Salvage/rebuilt titles not eligible Last Updated 10/28/2026 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: 7.55%
First-Time Auto Buyer Program - 72 months	-	-	8.74%	72 months
Details As Low As; No Payments for 90 Days; Max loan amount of $25,000; Loan-to-Value up to 95%; Limited Time Offer; GoldStar Membership required, otherwise rate is 0.25% APR higher; Used vehicles no more than 6 years old or 75,000 miles for 72 month loan; Salvage/rebuilt titles not eligible Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & ATV Loan	-	6.99%	84-month
Details As Low As; Model Year: 2020 & Newer; GoldStar membership required, otherwise 0.25% APR higher; Includes motorcycle models, sport all-terrain vehicles, utility all-terrain vehicles, side-by-sides, snowmobiles, wave runners, and jet skis; Loan terms can be extended up to 6 months for adding Debt Protection or GAP coverages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
RV, Boat, & Trailer Loans - 2020 & Newer	-	7.24%	84 months
Details As Low As; Model Year: 2020 & Newer; Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher; Includes all motor homes, campers, small watercraft, and small utility trailers Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Motorcycle & ATV Loan	-	7.99%	84-month
Details As Low As; Model Year: 2019 & Older; GoldStar membership required, otherwise 0.25% APR higher; Includes motorcycle models, sport all-terrain vehicles, utility all-terrain vehicles, side-by-sides, snowmobiles, wave runners, and jet skis; Loan terms can be extended up to 6 months for adding Debt Protection or GAP coverages Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
RV, Boat, & Trailer Loans - 2019 & Older	-	8.24%	84 months
Details As Low As; Model Year: 2019 & Older; Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher; Includes all motor homes, campers, small watercraft, and small utility trailers Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
RV, Boat, & Trailer Loans - 2020 & Newer	-	8.24%	144 months
Details As Low As; Model Year: 2020 & Newer; Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher; Includes all motor homes, campers, small watercraft, and small utility trailers Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
RV, Boat, & Trailer Loans - 2019 & Older	-	9.24%	144 months
Details As Low As; Model Year: 2019 & Older; Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages; GoldStar Membership required, otherwise rate is 0.25% APR higher; Includes all motor homes, campers, small watercraft, and small utility trailers Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Business Cash Back	-	9.90%
Details As Low As; Fixed Rate Credit Card; Business card; Minimum limit is $200.00 unless part of a promotional program Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 9.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
VISA Secured	-	9.90%
Details Fixed Rate Credit Card; 9.90% fixed for all credit scores; Minimum limit is $200.00 unless part of a promotional program Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 9.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
VISA Cash Back	-	12.90%
Details As Low As; Fixed Rate Credit Card; Minimum limit is $200.00 unless part of a promotional program Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.99%	12 months
Details As Low As; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Signature Loan	11.24%	24 months
Details As Low As; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Signature Loan	11.49%	36 months
Details As Low As; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Signature Loan	11.74%	48 months
Details As Low As; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Signature Loan	11.99%	60 months
Details As Low As; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

American United Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loan	-	-	6.25%	1-year
Details As Low As; Loan to Cost = 90%, Loan to Value = 80%; Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 6.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Holiday Loan	-	-	8.74%	12 months
Details As Low As; Available only during November, December, and January; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Holiday Loan	-	-	8.99%	24 months
Details As Low As; Available only during November, December, and January; GoldStar membership required, otherwise 0.25% APR higher Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Lot Loan (Improved)	-	-	7.00%	2, 3, 4, & 5-years
Details As Low As; Max Loan to Value of 80% on Improved Lot Loans; Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Lot Loan (Unimproved)	-	-	8.50%	2, 3, 4, & 5-years
Details As Low As; Max Loan to Value of 60% on Unimproved Lot Loans; Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%
Escrow Account	0.10%	-	0.10%
Min Deposit $0 Min Balance $50 Details Balance: $50+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.55%

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

American United Federal Credit Union’s Texas Ratio fell from 8.99% in Q3 2023 to 7.55% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$383M	7.55%	5.0	A
March 31, 2026	$394M	6.38%	5.0	A
December 31, 2025	$381M	6.59%	5.0	A
September 30, 2025	$388M	6.78%	5.0	A
June 30, 2025	$382M	6.84%	5.0	A
March 31, 2025	$378M	7.81%	5.0	A
December 31, 2024	$374M	8.07%	5.0	A
September 30, 2024	$376M	7.69%	5.0	A
June 30, 2024	$394M	6.11%	5.0	A
March 31, 2024	$392M	9.07%	5.0	A
December 31, 2023	$389M	10.08%	5.0	A
September 30, 2023	$384M	8.99%	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 American United 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 American United 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 American United Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name American United Federal Credit Union

Website https://www.amucu.org

Address 2687 W 7800 S, West Jordan, UT 84088

Phone 801-359-9600

Fax 801-569-1206

President Lisa Jensen

CEO Jake Bowman

Full-Time Employees 87

Part-Time Employees 9

Branch Locations 11

ATM Locations 9

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

7.55%

Return on Assets (ROA)

0.1949%

Return on Equity (ROE)

1.6970%

Non-Performing Loans Ratio (NPL)

1.25%

Total Assets

382,679,453

Total Amount of Shares and Deposits

337,288,695

Total Shares and Deposits < 1 Year

313,503,217

Total Shares and Deposits 1 3 Years

16,593,927

Total Shares and Deposits > 3 Years

7,191,552

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

28,018,763

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

28,018,763

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

309,269,932

Total Interest Expense (Sum of items 6 8)

3,724,448

Share Certificates

2,793

Number of Accounts for Share Drafts

14,322

IRA KEOGH Accounts

816

Number of Accounts for Regular Shares

21,466

All other shares

5,059

Money Market Shares

3,199

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)

21,053,726

Total Liabilities

341,110,730

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

American United 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.

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, and this profile page always shows the latest results, so the code never needs to change.

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

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

Customer Reviews

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Frequently Asked Questions About American United Federal Credit Union

Does American United Federal Credit Union offer CDs?

Yes. American United Federal Credit Union current CD rates include its 12 Month CD - GoldStar at 4.00% APY, its 18 Month CD - GoldStar at 4.00% APY and its 24 Month CD - GoldStar at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from American United Federal Credit Union NCUA insured?

Yes. American United 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 American United Federal Credit Union?

The highest American United Federal Credit Union CD rate is its 12 Month CD - GoldStar at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does American United Federal Credit Union offer?

American United Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with American United Federal Credit Union for its full lineup.

What is the highest savings rate at American United Federal Credit Union?

The highest American United Federal Credit Union savings rate is its Retirement (IRA) Savings at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

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

The highest American United Federal Credit Union money market rate is its Money Market at 3.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at American United Federal Credit Union?

The highest American United Federal Credit Union checking rate is its Business Premier Checking at 0.20% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at American United Federal Credit Union?

The lowest American United Federal Credit Union mortgage rate is its First Mortgage at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.

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

The lowest American United Federal Credit Union auto loan rate is its Auto Loan - 2020 & Newer at 4.99% APR, verified by MonitorBankRates as of October 28, 2026. American United Federal Credit Union auto loan rates are 8.49% APR for a 60 month auto loan and 8.74% APR for a 72 month auto loan.

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

The lowest American United Federal Credit Union personal loan rate is its Signature Loan at 10.99% APR, verified by MonitorBankRates as of October 28, 2026.

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

The lowest American United Federal Credit Union credit card APR is its VISA Business Cash Back Credit Card at 9.90% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does American United Federal Credit Union operate?

American United 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 American United Federal Credit Union?

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

Does American United Federal Credit Union offer online and mobile banking?

Most modern institutions like American United 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.amucu.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 American United Federal Credit Union rates compare?

American United Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A health rating. American United Federal Credit Union's top rates are its 12 Month CD - GoldStar at 4.00% APY, its Retirement (IRA) Savings at 0.50% APY, its Money Market at 3.25% APY, its Business Premier Checking at 0.20% APY, its First Mortgage at 4.99%, its Signature Loan at 10.99% APR and its VISA Business Cash Back Credit Card at 9.90% APR, verified by MonitorBankRates on October 28, 2026.

Current American United Federal Credit Union Rates

12-Month CD3.90%
18-Month CD3.90%
24-Month CD3.90%
60-Month CD3.90%
Savings0.50%
MMA3.25%

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

Compare to Other Credit Unions

American United Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

American United Federal Credit Union Texas Ratio

American United Federal Credit Union Health Trend

American United Federal Credit Union CD Rates

American United Federal Credit Union Savings Rates

American United Federal Credit Union Business Savings Rates

American United Federal Credit Union Money Market Rates

American United Federal Credit Union Checking Rates

American United Federal Credit Union Business Checking Rates

American United Federal Credit Union Mortgage Rates

American United Federal Credit Union Home Equity & HELOC

American United Federal Credit Union Auto Loan Rates

American United Federal Credit Union RV, Boat and Powersport Loan Rates

American United Federal Credit Union Credit Card Rates

American United Federal Credit Union Personal Loan Rates

American United Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

American United Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About American United Federal Credit Union

Does American United Federal Credit Union offer CDs?

Are CDs from American United Federal Credit Union NCUA insured?

What is the highest CD rate at American United Federal Credit Union?

What CD terms does American United Federal Credit Union offer?

What is the highest savings rate at American United Federal Credit Union?

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

What is the highest checking rate at American United Federal Credit Union?

What is the lowest mortgage rate at American United Federal Credit Union?

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

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

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

How many branches does American United Federal Credit Union operate?

Is a member application needed to join American United Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does American United 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 American United Federal Credit Union rates compare?

Current American United Federal Credit Union Rates

Compare to Other Credit Unions