What are the current interest rates at ASHLAND COMMUNITY?

Current rates for ASHLAND COMMUNITY include: 12-Month CD: 2.59%, 24-Month CD: 2.64%, 60-Month CD: 2.79%, MMA: 1.90%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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ASHLAND COMMUNITY

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ASHLAND COMMUNITY Rates & Review October 2026

Q: How many branches does ASHLAND COMMUNITY operate?

ASHLAND COMMUNITY 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 ASHLAND COMMUNITY?

Yes, to access services at ASHLAND COMMUNITY, 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, ASHLAND COMMUNITY 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ASHLAND COMMUNITY 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 10, 2026

ASHLAND COMMUNITY's top rates as of October 10, 2026 are 3.40% APY on its 60 Month CD, 1.90% APY on money market accounts, and personal loans from 13.00% APR, according to rates verified by MonitorBankRates. Other ASHLAND COMMUNITY CD rates include 48 Month CD at 3.35%, 36 Month CD at 3.30%, and 24 Month CD at 3.25%. MonitorBankRates evaluates the financial stability of ASHLAND COMMUNITY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.51%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

ASHLAND COMMUNITY
Main Office

1123 Sugarbush Dr
Ashland, OH 44805

http://www.ashlandfcu.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.

ASHLAND COMMUNITY CD Rates

Product	Rate	APY	Term
60 Month Certificate	3.36%	3.40%	60 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 3.40% ▲ 0.75 pts · high 3.40% / low 2.65% Sep 27, 20263.40%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
48 Month Certificate	3.31%	3.35%	48 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.60% → 3.35% ▲ 0.75 pts · high 3.35% / low 2.60% Sep 27, 20263.35%▲ from 2.60% Sep 14, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
36 Month Certificate	3.26%	3.30%	36 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.55% → 3.30% ▲ 0.75 pts · high 3.30% / low 2.55% Sep 27, 20263.30%▲ from 2.55% Sep 14, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
24 Month Certificate	3.21%	3.25%	24 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 3.25% ▲ 0.75 pts · high 3.25% / low 2.50% Sep 27, 20263.25%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
12 Month Certificate	3.16%	3.20%	12 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 3.20% ▲ 0.75 pts · high 3.20% / low 2.45% Sep 27, 20263.20%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Accumulator - 12 Month	3.05%	3.09%	12 Month
Min Balance $0 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.34% → 3.09% ▲ 0.75 pts · high 3.09% / low 2.34% Sep 27, 20263.09%▲ from 2.34% Sep 14, 20262.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
60 Month Certificate	2.76%	2.79%	60 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.04% → 2.79% ▲ 0.75 pts · high 2.79% / low 2.04% Sep 27, 20262.79%▲ from 2.04% Sep 14, 20262.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
48 Month Certificate	2.71%	2.74%	48 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.99% → 2.74% ▲ 0.75 pts · high 2.74% / low 1.99% Sep 27, 20262.74%▲ from 1.99% Sep 22, 20261.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
36 Month Certificate	2.66%	2.69%	36 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.94% → 2.69% ▲ 0.75 pts · high 2.69% / low 1.94% Sep 27, 20262.69%▲ from 1.94% Sep 22, 20261.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
24 Month Certificate	2.61%	2.64%	24 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.89% → 2.64% ▲ 0.75 pts · high 2.64% / low 1.89% Sep 27, 20262.64%▲ from 1.89% Sep 22, 20261.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
12 Month Certificate	2.57%	2.59%	12 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.84% → 2.59% ▲ 0.75 pts · high 2.59% / low 1.84% Sep 27, 20262.59%▲ from 1.84% Sep 22, 20261.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
12 Month Regular	2.57%	2.59%	12 Month
Min Balance $250 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.84% → 2.59% ▲ 0.75 pts · high 2.59% / low 1.84% Sep 27, 20262.59%▲ from 1.84% Sep 22, 20261.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
9 Month Certificate	2.03%	2.05%	9 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.20% → 2.05% ▲ 0.85 pts · high 2.05% / low 1.20% Sep 27, 20262.05%▲ from 1.20% Sep 22, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
6 Month Certificate	1.84%	1.85%	6 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.10% → 1.85% ▲ 0.75 pts · high 1.85% / low 1.10% Sep 27, 20261.85%▲ from 1.10% Sep 22, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
3 Month Certificate	1.74%	1.75%	3 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 1.00% → 1.75% ▲ 0.75 pts · high 1.75% / low 1.00% Sep 27, 20261.75%▲ from 1.00% Sep 22, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
9 Month Certificate	1.69%	1.70%	9 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.95% → 1.70% ▲ 0.75 pts · high 1.70% / low 0.95% Sep 27, 20261.70%▲ from 0.95% Sep 22, 20260.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
6 Month Certificate	1.59%	1.60%	6 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.85% → 1.60% ▲ 0.75 pts · high 1.60% / low 0.85% Sep 27, 20261.60%▲ from 0.85% Sep 22, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
6 Month Regular	1.59%	1.60%	6 Month
Min Balance $250 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.85% → 1.60% ▲ 0.75 pts · high 1.60% / low 0.85% Sep 27, 20261.60%▲ from 0.85% Sep 22, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
3 Month Certificate	1.49%	1.50%	3 Month
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.75% → 1.50% ▲ 0.75 pts · high 1.50% / low 0.75% Sep 27, 20261.50%▲ from 0.75% Sep 22, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

ASHLAND COMMUNITY Savings Rates

Product	Rate	APY	View More
Christmas and Vacation Clubs	0.05%	0.05%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02% Sep 27, 20260.05%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

ASHLAND COMMUNITY Checking Rates

Product	Rate	APY
Money Market Checking	1.89%	1.90%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 1.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Money Market Checking	1.79%	1.80%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Money Market Checking	1.69%	1.70%
Min Balance $1,000 Details Balance: $1,000 to $4,999.99 Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 1.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

ASHLAND COMMUNITY Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans - 12 to 60 Months	13.00%	12 to 60 Months
Details Additional APR listed for this product: 15.99%. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 6, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

ASHLAND COMMUNITY Other Rates

Product	Rate	Points	APY/APR
Education	0.05%	-	0.05%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02% Sep 27, 20260.05%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
IRA Conduit and Education	0.10%	-	0.10%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.10% ▲ 0.08 pts · high 0.10% / low 0.02% Sep 27, 20260.10%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
IRA Roth-Contribution and Conduit	0.10%	-	0.10%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.10% ▲ 0.08 pts · high 0.10% / low 0.02% Sep 27, 20260.10%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
IRA SEP Accounts	0.10%	-	0.10%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.10% ▲ 0.08 pts · high 0.10% / low 0.02% Sep 27, 20260.10%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
IRA Shares	0.10%	-	0.10%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.10% ▲ 0.08 pts · high 0.10% / low 0.02% Sep 27, 20260.10%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Regular Shares and Reg X	0.05%	-	0.05%
Min Balance $100 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02% Sep 27, 20260.05%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Youth	0.05%	-	0.05%
Min Balance $25 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02% Sep 27, 20260.05%▲ from 0.02% Sep 22, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

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

ASHLAND COMMUNITY’s Texas Ratio fell from 4.31% in Q3 2023 to 0.51% in Q2 2026, so its financial health has improved and is now 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	$23M	0.51%	5.0	A+
March 31, 2026	$23M	1.79%	5.0	A+
December 31, 2025	$23M	1.01%	5.0	A+
September 30, 2025	$23M	2.28%	5.0	A+
June 30, 2025	$22M	5.27%	5.0	A+
March 31, 2025	$22M	4.35%	5.0	A+
December 31, 2024	$21M	7.83%	5.0	A
September 30, 2024	$22M	3.66%	5.0	A+
June 30, 2024	$21M	2.09%	5.0	A+
March 31, 2024	$21M	0.16%	5.0	A+
December 31, 2023	$22M	2.52%	5.0	A+
September 30, 2023	$21M	4.31%	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 ASHLAND COMMUNITY 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 ASHLAND COMMUNITY 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 ASHLAND COMMUNITY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ASHLAND COMMUNITY

Website http://www.ashlandfcu.org

Address 1123 Sugarbush Dr, Ashland, OH 44805

Phone 419-289-6211

Fax 419-289-1815

President Brandon Clark

CEO Christian Dabney

Full-Time Employees 4

Part-Time Employees 3

Branch Locations 1

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+ (100/100)

Texas Ratio

0.51%

Return on Assets (ROA)

0.7421%

Return on Equity (ROE)

6.0378%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

23,122,779

Total Amount of Shares and Deposits

20,199,518

Total Shares and Deposits < 1 Year

19,721,498

Total Shares and Deposits 1 3 Years

315,353

Total Shares and Deposits > 3 Years

162,667

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

334,814

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

334,814

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

19,864,704

Total Interest Expense (Sum of items 6 8)

28,679

Share Certificates

Number of Accounts for Share Drafts

1,109

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,871

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)

1,534,393

Total Liabilities

20,280,846

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ASHLAND COMMUNITY 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About ASHLAND COMMUNITY

How many branches does ASHLAND COMMUNITY operate?

ASHLAND COMMUNITY 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 ASHLAND COMMUNITY?

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

Does ASHLAND COMMUNITY offer online and mobile banking?

Most modern institutions like ASHLAND COMMUNITY 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: http://www.ashlandfcu.org.