What are the current interest rates at Ascend Federal Credit Union?

Current rates for Ascend Federal Credit Union include: 12-Month CD: 4.04%, 18-Month CD: 3.97%, 24-Month CD: 4.02%, 60-Month CD: 4.07%, Savings: 0.20%, MMA: 3.82%

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Ascend Federal Credit Union

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Ascend Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Ascend 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ascend 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 12, 2026

Ascend Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its 12 Month Regular, Business and / or IRA CD, 0.20% APY on savings, 3.82% APY on money market accounts, 3.20% APY on checking, 6.38% on its 5/5 ARM 30 Year mortgage, personal loans from 12.35% APR, and credit cards from 9.50% APR, according to rates verified by MonitorBankRates. Other Ascend Federal Credit Union CD rates include Regular, Business and/or IRA CD - Jumbo 12 month at 4.25%, 12 Month Regular, Business and / or IRA CD at 4.20%, and 24 Month Regular, Business and / or IRA CD at 4.07%. Other Ascend Federal Credit Union mortgage rates include Mortgage - 15 Year Fixed at 6.50%, Mortgage - 5/5 ARM First Time Homebuyer at 7.12%, and VA 30 Year Fixed Rate at 6.88%. MonitorBankRates evaluates the financial stability of Ascend Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.35%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.35%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ascend Federal Credit Union
Administrative Office

520 Airpark Dr
Tullahoma, TN 37388

https://ascend.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.

Ascend Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Accumulation Share Certificate - 12 Month IRA Variable	3.97%	4.04%	12 Months
Min Deposit $5 Details Dividend Rate 3.97%; Rates effective October 7, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00% Oct 4, 20264.04%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Member's Advantage Share Certificate - 54 month	3.95%	4.02%	54 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76% Oct 4, 20264.02%▲ from 3.92% Sep 18, 20263.92%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Member's Advantage Share Certificate - 15 month	3.80%	3.87%	15 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61% Oct 4, 20263.87%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
36 Month Home Purchase Share Certificate	3.35%	3.40%	36 Month Variable
Min Deposit $1,000 Details Early withdrawal penalty may be waived when withdrawn in conjunction with purchase of a home, upon appropriate documentation Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Home Purchase Share Certificate - 36 Month Variable	3.35%	3.40%	36 Month
Min Deposit $1,000 Details Rates effective October 7, 2026; early withdrawal penalty may be waived when the withdrawal is made in conjunction with the purchase of a home Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Regular, Business and / or IRA Share Certificate	4.17%	4.25%	12 Months
Min Deposit $100,000 Details Jumbo Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.61% → 4.25% ▲ 0.64 pts · high 4.25% / low 3.61% Oct 12, 20264.25%▲ from 4.20% Oct 4, 20264.20%▲ from 3.61% Sep 20, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - Jumbo 12 month	4.17%	4.25%	12 Months
Min Deposit $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
12 Month Regular, Business and / or IRA Share Certificate	4.12%	4.20%	12 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.61% → 4.20% ▲ 0.59 pts · high 4.20% / low 3.61% Oct 4, 20264.20%▲ from 3.61% Sep 20, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
24 Month Regular, Business and / or IRA Share Certificate	4.00%	4.07%	24 Months
Min Deposit $100,000 Details Jumbo Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 12, 20264.07%▲ from 4.02% Oct 4, 20264.02%▲ from 3.82% Sep 20, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
60 Month Regular, Business and / or IRA Share Certificate	4.00%	4.07%	60 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97% Oct 4, 20264.07%▲ from 3.97% Sep 20, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - Jumbo 24 month	4.00%	4.07%	24 Months
Min Deposit $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
24 Month Regular, Business and / or IRA Share Certificate	3.95%	4.02%	24 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82% Oct 4, 20264.02%▲ from 3.82% Sep 20, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
18 Month Regular, Business and / or IRA Share Certificate	3.90%	3.97%	18 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 4, 20263.97%▲ from 3.82% Sep 20, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
48 Month Regular, Business and / or IRA Share Certificate	3.90%	3.97%	48 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.92% → 3.97% ▲ 0.05 pts · high 3.97% / low 3.92% Oct 4, 20263.97%▲ from 3.92% Sep 20, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
36 Month Regular, Business and / or IRA Share Certificate	3.85%	3.92%	36 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87% Oct 4, 20263.92%▲ from 3.87% Sep 20, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
6 Month Regular, Business and / or IRA Share Certificate	3.80%	3.87%	6 Months
Min Deposit $100,000 Details Jumbo Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.45% → 3.87% ▲ 0.42 pts · high 3.87% / low 3.45% Oct 12, 20263.87%▲ from 3.82% Oct 4, 20263.82%▲ from 3.45% Sep 20, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - Jumbo 6 month	3.80%	3.87%	6 Months
Min Deposit $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
6 Month Regular, Business and / or IRA Share Certificate	3.75%	3.82%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45% Oct 4, 20263.82%▲ from 3.45% Sep 20, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
3 Month Regular, Business and / or IRA Share Certificate	3.60%	3.66%	3 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Savings Rates

Product	Rate	APY
Savings Account	0.20%	0.20%
Min Deposit $5 Min Balance $250,000 Details Balance: $250,000 AND OVER Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Savings Account	0.15%	0.15%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Savings Account	0.01%	0.01%
Min Deposit $5 Min Balance $0 Details Balance: Under $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Christmas Club	0.20%	0.20%
Details Rates effective December 1, 2022 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Savings Account	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 AND OVER; Rates effective November 1, 2025 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Savings Account	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Rates effective November 1, 2025 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Savings Account	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99; Rates effective November 1, 2025 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Savings Account	0.01%	0.01%
Min Balance $0 Details Balance: Under $9,999.99; Rates effective November 1, 2025 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.75%	3.82%
Min Balance $5,000,000 Details Balance: $5,000,000 AND OVER Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
High-Yield Money Market	3.25%	3.30%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14% Oct 4, 20263.30%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	1.35%	1.36%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.36% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	1.35%	1.36%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.36% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	1.35%	1.36%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.36% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	1.35%	1.36%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.36% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	1.35%	1.36%
Min Balance $2,500,000 Details Balance: $2,500,000 - $4,999,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.36% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	1.30%	1.31%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.31% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Money Market	0.20%	0.20%
Details Balance: Under $2,500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.75%	3.82%
Min Balance $5,000,000 Details Balance: $5,000,000.00 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business High-Yield Money Market	3.25%	3.30%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14% Oct 4, 20263.30%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Money Market	1.35%	1.36%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.36% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Money Market	1.30%	1.31%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.31% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Money Market	0.20%	0.20%
Details Balance: Under $2500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking	3.14%	3.20%
Details Rates effective October 1, 2026; no minimum balance required to earn the stated APY; minimum opening deposit varies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Business Checking Rates

Product	Rate	APY
Business High-Yield Checking	3.14%	3.20%
Details Youth Account Rates; High-Yield Checking* is a variable-rate account; no minimum balance required to earn the stated APY Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.20% ▲ 0.16 pts · high 3.20% / low 3.04% Oct 8, 20263.20%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Business Basic Checking	0.20%	0.20%
Details Business Checking Rates; Rates effective November 1, 2022 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Mortgage - 5/5 ARM 30 Year	6.375%	0.00	6.614%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.61% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Mortgage - 15 Year Fixed	6.50%	0.00	6.647%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Mortgage - 5/5 ARM First Time Homebuyer	7.125%	0.00	6.922%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 7.13% → 6.92% ▼ 0.20 pts · high 7.13% / low 6.92% Oct 12, 20266.92%▼ from 7.13% Sep 25, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
VA 30 Year Fixed Rate	6.875%	0.000	6.993%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Mortgage - 30 Year Fixed	7.00%	0.00	7.094%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Mortgage - 7/1 ARM 30 Year	6.625%	0.00	7.247%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Mortgage - 10/1 ARM 30 Year	6.875%	0.00	7.414%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.41% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
FHA 30 Year Fixed Rate	6.875%	0.000	7.73%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.73% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
5/1 Vacant Land Loan	8.50%	0.00	9.046%
Details Rates effective August 15, 2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 9.05% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.50%	36 Months
Details Published APR range: 5.500% - 6.500%. Primary residence in state of Tennessee; Restrictions may apply Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25% Sep 17, 20265.50%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Home Equity Loan	-	-	6.00%	60 Months
Details Published APR range: 6.000% - 7.000%. Primary residence in state of Tennessee; Restrictions may apply Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Sep 17, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Home Equity Loan	-	-	6.50%	84 Months
Details Published APR range: 6.500% - 7.500%. Primary residence in state of Tennessee; Restrictions may apply Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 17, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Home Equity Line of Credit	-	-	7.00%
Details Published APR range: 7.000% - 9.000%. Variable; Primary residence in state of Tennessee; Terms Available: 10-Year Draw Period Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 20, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Home Equity Loan	-	-	7.00%	120 Months
Details Published APR range: 7.000% - 8.000%. Primary residence in state of Tennessee; Restrictions may apply Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 17, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Home Equity Loan	-	-	7.25%	180 Months
Details Published APR range: 7.250% - 8.250%. Primary residence in state of Tennessee; Restrictions may apply Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 17, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Auto Loan	-	-	5.49%	Up To 60 Months
Details Published APR range: 5.49% - 17.64%. Minimum Loan Value: No Minimum; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 12, 20265.49%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Vehicle Auto Loan	-	-	5.89%	Up To 60 Months
Details Published APR range: 5.89% - 18.00%. Minimum Loan Value: No Minimum; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.39% → 5.89% ▲ 0.50 pts · high 5.89% / low 5.39% Oct 12, 20265.89%▲ from 5.39% Sep 14, 20265.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
New Vehicle Auto Loan	-	-	5.99%	61 - 75 Months
Details Published APR range: 5.99% - 18.00%. Minimum Loan Value: $15,000; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Vehicle Auto Loan	-	-	6.24%	61 - 75 Months
Details Published APR range: 6.24% - 18.00%. Minimum Loan Value: $15,000; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
New Vehicle Auto Loan	-	-	6.49%	76 - 84 Months
Details Published APR range: 6.49% - 9.34%. Minimum Loan Value: $25,000; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Vehicle Auto Loan	-	-	7.04%	76 - 84 Months
Details Published APR range: 7.04% - 9.54%. Minimum Loan Value: $25,000; Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loan - New	-	6.99%	Up to 60 months
Details Published APR range: 6.99% - 18.00%. Rates effective April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Recreational Loan - New	-	7.24%	61 - 84 months
Details Published APR range: 7.24% - 18.00%. Rates effective April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Recreational Loan - New	-	7.49%	85 - 120 months
Details Published APR range: 7.49% - 13.55%. Rates effective April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Recreational Loan	-	7.49%	Up to 60 months
Details Published APR range: 7.49% - 18.00%. Minimum Loan Value: No Minimum Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Recreational Loan	-	7.74%	61 - 84 months
Details Published APR range: 7.74% - 18.00%. Minimum Loan Value: $20,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Recreational Loan - New	-	7.99%	121 - 144 months
Details Published APR range: 7.99% - 13.65%. Rates effective April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Recreational Loan	-	7.99%	85 - 120 months
Details Published APR range: 7.99% - 14.05%. Minimum Loan Value: $60,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Used Recreational Loan	-	8.49%	121 - 144 months
Details Published APR range: 8.49% - 14.15%. Minimum Loan Value: $75,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards	-	9.50%
Details Published APR range: 9.50% - 18.00%. APR for Purchases, Balance Transfers and Cash Advances; APR based on creditworthiness when you open your account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Student Visa	-	9.90%
Details APR for Purchases, Balance Transfers and Cash Advances Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Visa Secured Platinum	-	15.90%
Details APR for Purchases, Balance Transfers and Cash Advances Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	12.35%
Details Published APR range: 12.35% - 18.00%. Variable APR; Wall Street Journal Prime Rate plus Margin between 5.6% and 15.0%, up to 18% cap; Minimum payment 2.50% of balance Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.35% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Personal Loan	12.60%
Details Published APR range: 12.60% - 18.00%. Rates effective October 1, 2026; APR based on credit score and loan term; amount available determined by credit worthiness Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 12.35% → 12.60% ▲ 0.25 pts · high 12.60% / low 12.35% Oct 4, 202612.60%▲ from 12.35% Sep 14, 202612.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

Ascend Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
High-Yield Checking	-	-	3.20%
Details Qualifying balance up to $15,000.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 12 Months	4.12%	-	4.20%	12 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 18 Months	3.90%	-	3.97%	18 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 24 Months	3.95%	-	4.02%	24 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 3 Months	3.60%	-	3.66%	3 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 36 Months	3.85%	-	3.92%	36 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 48 Months	3.90%	-	3.97%	48 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 6 Months	3.75%	-	3.82%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%
Regular, Business and/or IRA Share Certificate - 60 Months	4.00%	-	4.07%	60 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.35%

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

Ascend Federal Credit Union’s Texas Ratio rose from 1.25% in Q3 2023 to 2.35% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$4.8B	2.35%	5.0	A+
March 31, 2026	$4.7B	2.01%	5.0	A+
December 31, 2025	$4.7B	2.50%	5.0	A+
September 30, 2025	$4.6B	2.38%	5.0	A+
June 30, 2025	$4.6B	2.62%	5.0	A+
March 31, 2025	$4.6B	1.73%	5.0	A+
December 31, 2024	$4.4B	2.13%	5.0	A+
September 30, 2024	$4.4B	1.91%	5.0	A+
June 30, 2024	$4.4B	1.54%	5.0	A+
March 31, 2024	$4.4B	1.25%	5.0	A+
December 31, 2023	$4.3B	1.32%	5.0	A+
September 30, 2023	$4.2B	1.25%	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 Ascend 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 Ascend 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 Ascend Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ascend Federal Credit Union

Website https://ascend.org

Address 520 Airpark Dr, Tullahoma, TN 37388

Phone 800-342-3086

Fax

President Mark Rigney

CEO Matthew Jernigan

Full-Time Employees 633

Part-Time Employees 15

Branch Locations 27

ATM Locations 32

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.35%

Return on Assets (ROA)

0.6004%

Return on Equity (ROE)

4.1275%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

4,847,148,812

Total Amount of Shares and Deposits

3,900,672,153

Total Shares and Deposits < 1 Year

3,695,345,847

Total Shares and Deposits 1 3 Years

152,040,494

Total Shares and Deposits > 3 Years

53,285,813

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

395,901,766

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

395,901,766

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

3,504,770,387

Total Interest Expense (Sum of items 6 8)

43,189,455

Share Certificates

28,299

Number of Accounts for Share Drafts

168,912

IRA KEOGH Accounts

7,831

Number of Accounts for Regular Shares

298,160

All other shares

832

Non Member Deposits

Money Market Shares

13,745

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

29,102,463

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)

198,226,986

Total Liabilities

4,226,159,080

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ascend 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.

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Ascend Federal Credit Union

How many branches does Ascend Federal Credit Union operate?

Ascend 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 Ascend Federal Credit Union?

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

Does Ascend Federal Credit Union offer online and mobile banking?

Most modern institutions like Ascend 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://ascend.org.

Current Ascend Federal Credit Union Rates

12-Month CD4.04%
18-Month CD3.97%
24-Month CD4.02%
60-Month CD4.07%
Savings0.20%
MMA3.82%

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

Compare to Other Credit Unions

Ascend Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ascend Federal Credit Union Texas Ratio

Ascend Federal Credit Union Health Trend

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Ascend Federal Credit Union Home Equity & HELOC

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Ascend Federal Credit Union RV, Boat and Powersport Loan Rates

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Ascend Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ascend Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ascend Federal Credit Union

How many branches does Ascend Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ascend Federal Credit Union offer online and mobile banking?

Current Ascend Federal Credit Union Rates

Compare to Other Credit Unions