What are the current interest rates at Appliance Credit Union?

Current rates for Appliance Credit Union include: 12-Month CD: 2.02%, 24-Month CD: 1.26%, 60-Month CD: 1.26%

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Appliance Credit Union Rates & Review November 2026

Q: What CD terms does Appliance Credit Union offer?

Appliance Credit Union CD rates are 3.29% APY for a 6 month CD, 3.03% APY for a 12 month CD, 2.27% APY for a 2 year CD, 2.27% APY for a 3 year CD and 2.27% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Appliance Credit Union for its full lineup.

Q: How many branches does Appliance Credit Union operate?

Appliance Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

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

Yes, to access services at Appliance Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Appliance 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Appliance Credit Union's 6 Month CD rates are at 3.29%, 12 Month CD rates are at 3.03%, 24 Month CD rates are at 2.27%, 36 Month CD rates are at 2.27%, 60 Month CD rates are at 2.27%. Appliance Credit Union's Personal Loan Rates are as low as 12.25%. Appliance Credit Union's CD rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Appliance Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.09%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Appliance Credit Union
APPLIANCE CREDIT UNION

150 Linden Ave SE
CLEVELAND, TN 37311

https://www.appliancecu.com

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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.

Appliance Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificate	3.25%	3.29%	6 MONTH
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.29% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	3.00%	3.03%	12 MONTH
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	3.00%	3.03%	6 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.75%	2.78%	12 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	2.75%	2.78%	6 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.50%	2.55%	12 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	2.50%	2.55%	6 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.25%	2.27%	12 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	2.25%	2.27%	24 MONTH
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	2.25%	2.27%	36 MONTH
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	2.25%	2.27%	6 MONTH
Min Balance $0 Details Balance: Under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	2.25%	2.27%	60 MONTH
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.00%	2.02%	12 MONTH
Min Balance $0 Details Balance: Under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	2.00%	2.02%	24 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	2.00%	2.02%	36 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	2.00%	2.02%	60 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	1.75%	1.76%	24 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	1.75%	1.76%	36 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	1.75%	1.76%	60 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	1.50%	1.51%	24 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	1.50%	1.51%	36 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	1.50%	1.51%	60 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	1.25%	1.26%	24 MONTH
Min Balance $0 Details Balance: Under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	1.25%	1.26%	36 MONTH
Min Balance $0 Details Balance: Under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	1.25%	1.26%	60 MONTH
Min Balance $0 Details Balance: Under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan - 36 months	-	-	3.15%	36 months
Details APR range: 3.15% - 9.15%; NEW vehicle: 25k miles or less, 3 model years or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2026-2021 up to 100k miles - 36 months	3.50%	-	3.50%	36 months
Details Base rate range: 3.50% - 9.50% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Vehicle Loan - 60 months	-	-	3.90%	60 months
Details APR range: 3.90% - 9.90%; NEW vehicle: 25k miles or less, 3 model years or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Vehicle Loan - 72 months	-	-	3.90%	72 months
Details APR range: 3.90% - 9.90%; 72 months on $20k+; NEW vehicle: 25k miles or less, 3 model years or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2020 and older less than 100k miles - 36 months	4.15%	-	4.15%	36 months
Details Base rate range: 4.15% - 10.15% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Vehicle Loan - 84 months	-	-	4.90%	84 months
Details APR range: 4.90% - 10.90%; 84 months on $30k+; NEW vehicle: 25k miles or less, 3 model years or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2026-2021 up to 100k miles - 60 months	4.90%	-	4.90%	60 months
Details Base rate range: 4.90% - 10.90% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2020 and older less than 100k miles - 60 months	5.25%	-	5.25%	60 months
Details Base rate range: 5.25% - 11.25% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle over 100k miles but less than 150k miles - 36 months	5.25%	-	5.25%	36 months
Details Base rate range: 5.25% - 11.25% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2020 and older less than 100k miles - 72 months	5.75%	-	5.75%	72 months
Details Base rate range: 5.75% - 11.75%; 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2026-2021 up to 100k miles - 72 months	5.75%	-	5.75%	72 months
Details Base rate range: 5.75% - 11.75%; 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2020 and older less than 100k miles - 84 months	5.90%	-	5.90%	84 months
Details Base rate range: 5.90% - 11.90%; 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle 2026-2021 up to 100k miles - 84 months	5.90%	-	5.90%	84 months
Details Base rate range: 5.90% - 11.90%; 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle over 100k miles but less than 150k miles - 60 months	5.90%	-	5.90%	60 months
Details Base rate range: 5.90% - 11.90% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle over 100k miles but less than 150k miles - 72 months	6.15%	-	6.15%	72 months
Details Base rate range: 6.15% - 12.15%; 72 months financing on $20k+ depending on mileage Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle over 150k miles - 36 months	7.00%	-	7.00%	36 months
Details Base rate range: 7.00% - 13.00% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle over 150k miles - 60 months	7.75%	-	7.75%	60 months
Details Base rate range: 7.75% - 13.75% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicle over 150k miles - 72 months	8.25%	-	8.25%	72 months
Details Base rate range: 8.25% - 14.25%; 72 months financing on $20k+ depending on mileage Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New ATV, Jet Ski & Other Collateral Loan - 24 months	6.50%	6.50%	24 months
Details Base rate range: 6.50% - 12.50% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RV Loan - 36 months	6.90%	6.90%	36 months
Details Base rate range: 6.90% - 12.90% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATV, Jet Ski & Other Collateral Loan - 36 months	6.99%	6.99%	36 months
Details Base rate range: 6.99% - 12.99% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boat Loan - 36 months	7.15%	7.15%	36 months
Details Base rate range: 7.15% - 13.15% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RV Loan - 60 months	7.15%	7.15%	60 months
Details Base rate range: 7.15% - 13.15%; 60 months financing $10k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boat Loan - 36 months	7.15%	7.15%	36 months
Details Base rate range: 7.15% - 13.15% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RV Loan - 36 months	7.15%	7.15%	36 months
Details Base rate range: 7.15% - 13.15% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycle Loan - 36 months	7.25%	7.25%	36 months
Details Base rate range: 7.25% - 13.25% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATV, Jet Ski & Other Collateral Loan - 24 months	7.25%	7.25%	24 months
Details Base rate range: 7.25% - 13.25% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boat Loan - 60 months	7.50%	7.50%	60 months
Details Base rate range: 7.50% - 13.50%; 60 months financing $10k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycle Loan - 60 months	7.50%	7.50%	60 months
Details Base rate range: 7.50% - 13.50% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATV, Jet Ski & Other Collateral Loan - 36 months	7.50%	7.50%	36 months
Details Base rate range: 7.50% - 13.50% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycle Loan - 36 months	7.50%	7.50%	36 months
Details Base rate range: 7.50% - 13.50% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RV Loan - 72 months	7.90%	7.90%	72 months
Details Base rate range: 7.90% - 13.90%; 72 months $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boat Loan - 60 months	7.90%	7.90%	60 months
Details Base rate range: 7.90% - 13.90%; 60 months financing $10k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boat Loan - 72 months	7.99%	7.99%	72 months
Details Base rate range: 7.99% - 13.99%; 72 months $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATV, Jet Ski & Other Collateral Loan - 60 months	8.00%	8.00%	60 months
Details Base rate range: 8.00% - 14.00% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycle Loan - 72 months	8.15%	8.15%	72 months
Details Base rate range: 8.15% - 14.15%; 72 months financing on $15k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATV, Jet Ski & Other Collateral Loan - 72 months	8.50%	8.50%	72 months
Details Base rate range: 8.50% - 14.50%; 72 months financing $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RV Loan - 84 months	8.50%	8.50%	84 months
Details Base rate range: 8.50% - 14.50%; 84 months $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boat Loan - 72 months	8.90%	8.90%	72 months
Details Base rate range: 8.90% - 14.90%; 72 months $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RV Loan - 60 months	8.90%	8.90%	60 months
Details Base rate range: 8.90% - 14.90%; 60 months financing $10k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATV, Jet Ski & Other Collateral Loan - 60 months	8.99%	8.99%	60 months
Details Base rate range: 8.99% - 14.99% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycle Loan - 60 months	9.00%	9.00%	60 months
Details Base rate range: 9.00% - 15.00% Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATV, Jet Ski & Other Collateral Loan - 84 months	9.25%	9.25%	84 months
Details Base rate range: 9.25% - 15.25%; 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boat Loan - 84 months	9.25%	9.25%	84 months
Details Base rate range: 9.25% - 15.25%; 84 months $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycle Loan - 72 months	9.25%	9.25%	72 months
Details Base rate range: 9.25% - 15.25%; 72 months on $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RV Loan - 72 months	9.25%	9.25%	72 months
Details Base rate range: 9.25% - 15.25%; 72 months $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RV Loan - 84 months	9.50%	9.50%	84 months
Details Base rate range: 9.50% - 15.50%; 84 months $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boat Loan - 120 months	9.75%	9.75%	120 months
Details Base rate range: 9.75% - 15.75%; 120 months $50k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycle Loan - 84 months	9.75%	9.75%	84 months
Details Base rate range: 9.75% - 15.75%; 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATV, Jet Ski & Other Collateral Loan - 72 months	9.75%	9.75%	72 months
Details Base rate range: 9.75% - 15.75%; 72 months financing $20k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RV Loan - 120 months	9.90%	9.90%	120 months
Details Base rate range: 9.90% - 15.90%; 120 months $50k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boat Loan - 84 months	9.90%	9.90%	84 months
Details Base rate range: 9.90% - 15.90%; 84 months $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RV Loan - 120 months	10.15%	10.15%	120 months
Details Base rate range: 10.15% - 16.15%; 120 months $50k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATV, Jet Ski & Other Collateral Loan - 84 months	10.75%	10.75%	84 months
Details Base rate range: 10.75% - 16.75%; 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycle Loan - 84 months	10.75%	10.75%	84 months
Details Base rate range: 10.75% - 16.75%; 84 months financing on $30k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boat Loan - 120 months	11.00%	11.00%	120 months
Details Base rate range: 11.00% - 17.00%; 120 months $50k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorhome Loan - 120 months	11.15%	11.15%	120 months
Details Base rate range: 11.15% - 17.15%; 120 months financing on $50k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorhome Loan - 120 months	11.50%	11.50%	120 months
Details Base rate range: 11.50% - 17.50%; 120 months financing on $50k+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	12.25%
Details Credit Score 640-850; up to $15,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 12.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Unsecured Loan	18.00%
Details Credit Score 639 and below; up to $3,500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New Farm Equipment Loan	9.25%	-	9.25%	up to 72 months
Details Base rate range: 9.25% - 15.25% Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Farm Equipment Loan	10.50%	-	10.50%	up to 72 months
Details Base rate range: 10.50% - 16.50% Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

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

Appliance Credit Union’s Texas Ratio rose from 0.67% in Q3 2023 to 3.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; 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	$19M	3.09%	5.0	A+
March 31, 2026	$17M	1.53%	5.0	A+
December 31, 2025	$16M	1.79%	5.0	A+
September 30, 2025	$17M	1.75%	5.0	A+
June 30, 2025	$16M	0.14%	5.0	A+
March 31, 2025	$16M	3.03%	5.0	A+
December 31, 2024	$16M	2.32%	5.0	A+
September 30, 2024	$15M	2.71%	5.0	A+
June 30, 2024	$16M	7.96%	5.0	A
March 31, 2024	$16M	2.99%	5.0	A+
December 31, 2023	$16M	0.73%	5.0	A+
September 30, 2023	$16M	0.67%	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 Appliance 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 Appliance 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 Appliance Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Appliance Credit Union

Website https://www.appliancecu.com

Address 150 Linden Ave SE, CLEVELAND, TN 37311

Phone 423-479-5511

Fax 423-479-5217

President DONALD McCOWAN

CEO BOBBIE ROSS

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.09%

Return on Assets (ROA)

0.1469%

Return on Equity (ROE)

1.5300%

Non-Performing Loans Ratio (NPL)

1.17%

Total Assets

18,668,990

Total Amount of Shares and Deposits

16,730,003

Total Shares and Deposits < 1 Year

16,730,003

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

1,143,372

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

1,143,372

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

15,586,631

Total Interest Expense (Sum of items 6 8)

47,144

Share Certificates

Number of Accounts for Share Drafts

1,306

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,934

All other shares

142

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

27,424

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)

1,693,459

Total Liabilities

16,888,916

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Appliance Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Appliance Credit Union

Does Appliance Credit Union offer CDs?

Yes. Appliance Credit Union current CD rates include its 6 Month CD at 3.29% APY, its 12 Month CD at 3.03% APY and its 24 Month CD at 2.27% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Appliance Credit Union NCUA insured?

Yes. Appliance 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 Appliance Credit Union?

The highest Appliance Credit Union CD rate is its 6 Month CD at 3.29% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Appliance Credit Union offer?

Appliance Credit Union CD rates are 3.29% APY for a 6 month CD, 3.03% APY for a 12 month CD, 2.27% APY for a 2 year CD, 2.27% APY for a 3 year CD and 2.27% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Appliance Credit Union for its full lineup.

What is the lowest auto loan rate at Appliance Credit Union?

The lowest Appliance Credit Union auto loan rate is its New Vehicle Loan - 36 months at 3.15% APR, verified by MonitorBankRates as of October 30, 2026. Appliance Credit Union auto loan rates are 3.15% APR for a 36 month auto loan, 3.90% APR for a 60 month auto loan, 3.90% APR for a 72 month auto loan and 4.90% APR for an 84 month auto loan.

What is the lowest personal loan rate at Appliance Credit Union?

The lowest Appliance Credit Union personal loan rate is its Unsecured Loan at 12.25%, verified by MonitorBankRates as of October 30, 2026.

How many branches does Appliance Credit Union operate?

Appliance 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 Appliance Credit Union?

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

Does Appliance Credit Union offer online and mobile banking?

Most modern institutions like Appliance 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.appliancecu.com.

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 Appliance Credit Union rates compare?

Appliance Credit Union's CD rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. Appliance Credit Union's top rates are its 6 Month CD at 3.29% APY and its Unsecured Loan at 12.25% APR, verified by MonitorBankRates on October 30, 2026.

Current Appliance Credit Union Rates

12-Month CD2.02%
24-Month CD1.26%
60-Month CD1.26%

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

Compare to Other Credit Unions

Appliance Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Appliance Credit Union Texas Ratio

Appliance Credit Union Health Trend

Appliance Credit Union CD Rates

Appliance Credit Union Auto Loan Rates

Appliance Credit Union RV, Boat and Powersport Loan Rates

Appliance Credit Union Personal Loan Rates

Appliance Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Appliance Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Appliance Credit Union

Does Appliance Credit Union offer CDs?

Are CDs from Appliance Credit Union NCUA insured?

What is the highest CD rate at Appliance Credit Union?

What CD terms does Appliance Credit Union offer?

What is the lowest auto loan rate at Appliance Credit Union?

What is the lowest personal loan rate at Appliance Credit Union?

How many branches does Appliance Credit Union operate?

Is a member application needed to join Appliance Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Appliance 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 Appliance Credit Union rates compare?

Current Appliance Credit Union Rates

Compare to Other Credit Unions