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Artesian Federal Credit Union

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Artesian Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Artesian Federal Credit Union's top rate as of October 13, 2026 is personal loans from 8.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Artesian Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.60%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.60%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Artesian Federal Credit Union
Oakland Main Office

1221 US Highway 82 W
Leesburg, GA 31763

https://www.artesianfcu.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.

Artesian Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 2nd Mortgage	-	-	7.00%	61 - 180 Months
Details Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Home Equity Loans - 2nd Mortgage	-	-	8.25%	181 - 240 Months
Details Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%

Artesian Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans (Current up to 3 Years Old)	-	-	4.50%	0-60 months
Details Published APR range: 4.50% - 14.50%. Loan rates effective December 19, 2024; rates may vary based on individual creditworthiness Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Vehicle Loans (Current up to 3 Years Old)	-	-	5.00%	61-72 months
Details Published APR range: 5.00% - 15.00%. Loan rates effective December 19, 2024; rates may vary based on individual creditworthiness Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Vehicle Loans (4 Years or Older)	-	-	5.75%	0-60 months
Details Published APR range: 5.75% - 15.75%. Vehicle age: 4 years or older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Vehicle Loans (4 Years or Older)	-	-	6.25%	61-72 months
Details Published APR range: 6.25% - 16.25%. Vehicle age: 4 years or older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%

Artesian Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	6.75%	6.75%	48 Months
Details Loan Amount: Up to $10,000.00; Base Rate; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Motorcycle Loans	6.75%	6.75%	60 Months
Details Loan Amount: $10,001.00 to $15,000.00; Base Rate; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Boat and RV Loans	7.75%	7.75%	36 Months
Details Loan Amount: Up to $5,000.00; Base Rate; Term options available based upon amount financed; Terms may be extended no more than 12 months on new and up to 2-year-old boats and campers; no term shall exceed 120 months Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Boat and RV Loans	7.75%	7.75%	60 Months
Details Loan Amount: $5,001.00 to $15,000.00; Base Rate; Term options available based upon amount financed; Terms may be extended no more than 12 months on new and up to 2-year-old boats and campers; no term shall exceed 120 months Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Boat and RV Loans	7.75%	7.75%	72 Months
Details Loan Amount: $15,001.00 to $30,000.00; Base Rate; Term options available based upon amount financed; Terms may be extended no more than 12 months on new and up to 2-year-old boats and campers; no term shall exceed 120 months Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Boat and RV Loans	7.75%	7.75%	120 Months
Details Loan Amount: Over $30,000.00; Base Rate; Term options available based upon amount financed; Terms may be extended no more than 12 months on new and up to 2-year-old boats and campers; no term shall exceed 120 months Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Motorcycle Loans	8.75%	8.75%	72 Months
Details Loan Amount: Over $15,000.00; Base Rate; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
ATV's, RTV's, and Personal Watercraft Loans - New ATVs, RTVs, & PWC	9.50%	9.50%	48 Months
Details Base Rate; Loan amount: Up to $10,000.00; Loan amount limits based on MSRP or NADA retail value; Term options vary according to age of collateral Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
ATV's, RTV's, and Personal Watercraft Loans - New ATVs, RTVs, & PWC	9.50%	9.50%	60 Months
Details Base Rate; Loan amount: $10,001.00 to $15,000.00; Loan amount limits based on MSRP or NADA retail value; Term options vary according to age of collateral Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
ATV's, RTV's, and Personal Watercraft Loans - New ATVs, RTVs, & PWC	9.50%	9.50%	72 Months
Details Base Rate; Loan amount: Over $15,000.00; Loan amount limits based on MSRP or NADA retail value; Term options vary according to age of collateral Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%

Artesian Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Unsecured Loan	8.00%
Details Published APR range: 8.00% - 18.00%. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Unsecured Line of Credit	8.00%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
ATV's, RTV's, and Personal Watercraft Loans - New ATVs, RTVs, & PWC	9.50%	48 Months
Details Base Rate; Loan amount: Up to $10,000.00; Loan amount limits based on MSRP or NADA retail value; Term options vary according to age of collateral Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
ATV's, RTV's, and Personal Watercraft Loans - New ATVs, RTVs, & PWC	9.50%	60 Months
Details Base Rate; Loan amount: $10,001.00 to $15,000.00; Loan amount limits based on MSRP or NADA retail value; Term options vary according to age of collateral Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
ATV's, RTV's, and Personal Watercraft Loans - New ATVs, RTVs, & PWC	9.50%	72 Months
Details Base Rate; Loan amount: Over $15,000.00; Loan amount limits based on MSRP or NADA retail value; Term options vary according to age of collateral Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%

Artesian Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1st Mortgage	-	-	4.50%	61 - 180 Months
Details Home Equity Loans (First and Second Mortgages); Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Other Collateral Loan	11.25%	-	11.25%	12 Months
Details Loan Amount: Up to $1,000.00; Base Rate; Term options vary according to age of collateral; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Other Collateral Loan	11.25%	-	11.25%	24 Months
Details Loan Amount: $1,001.00 to $2,500.00; Base Rate; Term options vary according to age of collateral; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Other Collateral Loan	11.25%	-	11.25%	36 Months
Details Loan Amount: $2,501.00 to $4,000.00; Base Rate; Term options vary according to age of collateral; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Other Collateral Loan	11.25%	-	11.25%	48 Months
Details Loan Amount: $4,001.00 to $6,000.00; Base Rate; Term options vary according to age of collateral; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%
Other Collateral Loan	11.25%	-	11.25%	60 Months
Details Loan Amount: Over $6,000.00; Base Rate; Term options vary according to age of collateral; Term options available based upon amount financed Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Artesian Federal Credit Union’s Texas Ratio fell from 16.28% in Q3 2023 to 9.60% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$29M	9.60%	5.0	A
March 31, 2026	$29M	9.64%	5.0	A
December 31, 2025	$30M	12.05%	5.0	A
September 30, 2025	$31M	10.26%	5.0	A
June 30, 2025	$32M	13.64%	5.0	A
March 31, 2025	$32M	13.46%	5.0	A
December 31, 2024	$32M	16.66%	4.9	A-
September 30, 2024	$33M	18.03%	4.8	B+
June 30, 2024	$34M	13.40%	5.0	A
March 31, 2024	$34M	11.45%	5.0	A
December 31, 2023	$32M	20.30%	4.6	B
September 30, 2023	$32M	16.28%	4.9	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 Artesian 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 Artesian 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 Artesian Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Artesian Federal Credit Union

Website https://www.artesianfcu.org

Address 1221 US Highway 82 W, Leesburg, GA 31763

Phone 229-436-0869

Fax

President Lee Cates

CEO Matthew Lawson

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.60%

Return on Assets (ROA)

-0.4725%

Return on Equity (ROE)

-4.5781%

Non-Performing Loans Ratio (NPL)

1.55%

Total Assets

29,054,772

Total Amount of Shares and Deposits

25,893,017

Total Shares and Deposits < 1 Year

24,694,875

Total Shares and Deposits 1 3 Years

1,198,142

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

1,718,409

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

1,718,409

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

24,174,608

Total Interest Expense (Sum of items 6 8)

214,887

Share Certificates

194

Number of Accounts for Share Drafts

1,563

Number of Accounts for Regular Shares

4,110

All other shares

181

Money Market Shares

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)

539,156

Total Liabilities

26,055,884

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Artesian Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       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 Artesian Federal Credit Union

How many branches does Artesian Federal Credit Union operate?

Artesian 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 Artesian Federal Credit Union?

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

Does Artesian Federal Credit Union offer online and mobile banking?

Most modern institutions like Artesian 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.artesianfcu.org.