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Ashland Credit Union

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Ashland Credit Union Rates & Review November 2026

Q: What are the current interest rates at Ashland Credit Union?

Current rates for Ashland Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.75%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 2.25%

Q: What CD terms does Ashland Credit Union offer?

Ashland Credit Union CD rates are 3.40% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.75% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Ashland Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Ashland Credit Union's 36 Month Standard CD rates are at 4.00%, 48 Month Standard CD rates are at 4.00%, 60 Month Standard CD rates are at 4.00%, Standard CD - 36 Month rates are at 4.00%, Standard CD - 48 Month rates are at 4.00%. Ashland Credit Union's savings rates are at 2.25%. Ashland Credit Union's checking rates are as high as 0.50%. Ashland Credit Union's Personal Loan Rates are as low as 9.99%. Ashland Credit Union's Credit Card Rates are at 11.49%. Ashland Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Ashland Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.03%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.03%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Ashland Credit Union
ACU Headquarters

305 MARTIN LUTHER KING JR BLVD
ASHLAND, KY 41101

https://www.ashlandcu.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 Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Share Certificates - 36 Month	4.17%	4.25%	36 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Oct 9, 20264.25%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 48 Month	4.17%	4.25%	48 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60% Oct 9, 20264.25%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 60 Month	4.17%	4.25%	60 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70% Oct 9, 20264.25%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
36 Month Share Certificates with Rate Bump Option - Jumbo	3.93%	4.00%	36 Month
Min Balance $35,000 Details Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Sep 22, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
36 Month Standard Share Certificate	3.93%	4.00%	36 Month
Min Balance $1,000 Details Standard; Dividend rate 3.930%; Minimum balance to open and earn stated APY $1,000; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
48 Month Share Certificates with Rate Bump Option - Jumbo	3.93%	4.00%	48 Month
Min Balance $35,000 Details Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Oct 26, 20264.00%▲ from 3.35% Sep 22, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
48 Month Standard Share Certificate	3.93%	4.00%	48 Month
Min Balance $1,000 Details Standard; Dividend rate 3.930%; Minimum balance to open and earn stated APY $1,000; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
60 Month Share Certificates with Rate Bump Option - Jumbo	3.93%	4.00%	60 Month
Min Balance $35,000 Details Jumbo; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45% Oct 26, 20264.00%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
60 Month Standard Share Certificate	3.93%	4.00%	60 Month
Min Balance $1,000 Details Standard; Dividend rate 3.930%; Minimum balance to open and earn stated APY $1,000; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 18 Month	3.93%	4.00%	18 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 9, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 24 Month	3.93%	4.00%	24 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 9, 20264.00%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 36 Month	3.93%	4.00%	36 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 48 Month	3.93%	4.00%	48 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 60 Month	3.93%	4.00%	60 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 36 Month	3.93%	4.00%	36 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 9, 20264.00%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 48 Month	3.93%	4.00%	48 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35% Oct 9, 20264.00%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 60 Month	3.93%	4.00%	60 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45% Oct 9, 20264.00%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
24 Month Standard Share Certificate	3.69%	3.75%	24 Month
Min Balance $1,000 Details Standard; Dividend rate 3.690%; Minimum balance to open and earn stated APY $1,000; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
36 Month Share Certificates with Rate Bump Option	3.69%	3.75%	36 Month
Min Balance $500 Details Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 13, 20263.75%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
48 Month Share Certificates with Rate Bump Option	3.69%	3.75%	48 Month
Min Balance $500 Details Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10% Oct 13, 20263.75%▲ from 3.10% Sep 18, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
60 Month Share Certificates with Rate Bump Option	3.69%	3.75%	60 Month
Min Balance $500 Details Standard; Rate Bump Option: allows a one-time bump to the current rate during certificate term; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.75% ▲ 0.55 pts · high 3.75% / low 3.20% Oct 13, 20263.75%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 18 Month	3.69%	3.75%	18 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 24 Month	3.69%	3.75%	24 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 18 Month	3.69%	3.75%	18 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 9, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 24 Month	3.69%	3.75%	24 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35% Oct 9, 20263.75%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 12 Month	3.59%	3.65%	12 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 9 Month	3.59%	3.65%	9 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Jumbo Share Certificates - 6 Month	3.49%	3.55%	6 Month
Min Balance $35,000 Details Jumbo; Minimum balance to earn APY: $35,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
12 Month Standard Share Certificate	3.35%	3.40%	12 Month
Min Balance $1,000 Details Standard; Dividend rate 3.350%; Minimum balance to open and earn stated APY $1,000; Yields compounded monthly; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 12 Month	3.35%	3.40%	12 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 9 Month	3.35%	3.40%	9 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 12 Month	3.35%	3.40%	12 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 9 Month	3.35%	3.40%	9 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificate - 6 Month	3.25%	3.30%	6 Month
Min Deposit $2,500 Min Balance $500 Details Dividends compounded & paid monthly; Standard tier; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Standard Share Certificates - 6 Month	3.25%	3.30%	6 Month
Min Balance $500 Details Standard; Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Savings Rates

Product	Rate	APY
Premium Savings	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000 and over; Dividends compounded daily, paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Health Savings Account	1.98%	2.00%
Min Balance $50 Details Dividends compounded Daily; Dividends paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Premium Savings	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends compounded daily, paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Share Savings Account	1.985%	2.00%
Min Balance $100,000 Details Balance: $100,000 and over; Dividends compounded quarterly; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Premium Savings	1.735%	1.75%
Min Balance $10,000 Details Balance: $10,000 - $49,999; Dividends compounded daily, paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Share Savings Account	1.739%	1.75%
Min Balance $10,000 Details Balance: $10,000 to $99,999.99; Dividends compounded quarterly; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Premium Savings	1.49%	1.50%
Min Balance $500 Details Balance: $500 - $9,999; Dividends compounded daily, paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Regular Shares	0.50%	0.50%
Min Balance $25 Details Effective Date: Sunday, October 25th, 2026; Dividends compounded quarterly; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Share Savings Account	0.50%	0.50%
Min Balance $0 Details Balance: $0 to $24.99; Dividends compounded quarterly; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Share Savings Account	0.50%	0.50%
Min Balance $25 Details Balance: $25 to $9,999.99; Dividends compounded quarterly; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Premium Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $499; Dividends compounded daily, paid monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.49% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Checking Rates

Product	Rate	APY
Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+; Dividends compounded Daily; Dividends paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Checking	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999; Dividends compounded Daily; Dividends paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 to $49,999; Dividends compounded Daily; Dividends paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 to $9,999; Dividends compounded Daily; Dividends paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 to $499; Dividends compounded Daily; Dividends paid Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking - Checking (S50)	0.00%	0.00%
Details Dividends compounded Daily; Dividends paid Monthly; All electronic transactions free; first 50 non-electronic transactions free; additional non-electronic transactions $0.25/item; $25/month fee if balance falls below stated minimum Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.75%
Details As Low As; Not all will qualify for lowest rate. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New & Used Automobiles	4.49%	-	4.66%	0-36 Months
Details As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.66% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles	4.99%	-	5.08%	61-72 Months
Details As Low As; Minimum financing amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.08% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles	4.99%	-	5.09%	49-60 Months
Details As Low As; Some terms require a minimum financing amount. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles	4.99%	-	5.12%	37-48 Months
Details As Low As; Some terms require a minimum financing amount. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.12% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Auto Loan - New & Used Automobiles	5.99%	-	6.07%	73-84 Months
Details As Low As; Minimum financing amount: $40,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.07% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum	-	11.49%
Details As Low As; Intro rate applies to new Visa ONE Rewards Cards; Intro rate expires: 6 months; Regular APR: 11.49% - 21.49%; Variable rate; Minimum $500 line of credit; No annual fee, no balance transfer fee, no foreign transaction fee; Cash advance fee is 2% of the advance amount Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 12 Month	9.99%	12 Month
Details As Low As; Est. Monthly Pmt. per $1k: $87.91; Maximum amount of $25,000 or 20% of annual income; 0.50% electronic payment discount included; rate increases 0.50% if electronic payments discontinued Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Personal Loan - 24 Month	10.49%	24 Month
Details As Low As; Est. Monthly Pmt. per $1k: $46.37; Maximum amount of $25,000 or 20% of annual income; 0.50% electronic payment discount included; rate increases 0.50% if electronic payments discontinued Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Personal Loan - 36 Month	10.99%	36 Month
Details As Low As; Est. Monthly Pmt. per $1k: $32.73; Maximum amount of $25,000 or 20% of annual income; 0.50% electronic payment discount included; rate increases 0.50% if electronic payments discontinued Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Personal Loan - 48 Month	11.49%	48 Month
Details As Low As; Est. Monthly Pmt. per $1k: $26.08; Maximum amount of $25,000 or 20% of annual income; 0.50% electronic payment discount included; rate increases 0.50% if electronic payments discontinued Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Personal Loan - 60 Month	11.99%	60 month
Details As Low As; Est. Monthly Pmt. per $1k: $22.24; Maximum amount of $25,000 or 20% of annual income; 0.50% electronic payment discount included; rate increases 0.50% if electronic payments discontinued Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

Ashland Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New Farm Equipment	7.74%	-	8.08%	0-36 Months
Details As Low As; APR based on $20,000 loan with $100 fees Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.08% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
New Farm Equipment	7.74%	-	8.00%	37-48 Months
Details As Low As; APR based on $20,000 loan with $100 fees Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
New Farm Equipment	7.74%	-	7.95%	49-60 Months
Details As Low As; APR based on $20,000 loan with $100 fees Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Used Farm Equipment	8.99%	-	9.33%	0-36 Months
Details As Low As; APR based on $20,000 loan with $100 fees Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.33% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Used Farm Equipment	8.99%	-	9.25%	37-48 Months
Details As Low As; APR based on $20,000 loan with $100 fees Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Used Farm Equipment	8.99%	-	9.20%	49-60 Months
Details As Low As; APR based on $20,000 loan with $100 fees Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Certificate Builder	1.49%	-	1.50%
Details Dividends compounded daily; dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%
Traditional / Roth IRA	1.98%	-	2.00%
Min Balance $5 Details Dividend rate 1.980%; dividends compounded daily, paid monthly; minimum amount to receive APY $5; penalty may be charged for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.03%

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 Credit Union’s Texas Ratio rose from 3.28% in Q3 2023 to 7.03% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 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	$412M	7.03%	5.0	A
March 31, 2026	$412M	8.04%	5.0	A
December 31, 2025	$409M	8.09%	5.0	A
September 30, 2025	$409M	8.26%	5.0	A
June 30, 2025	$410M	6.66%	5.0	A
March 31, 2025	$408M	6.80%	5.0	A
December 31, 2024	$404M	7.89%	5.0	A
September 30, 2024	$403M	6.76%	5.0	A
June 30, 2024	$397M	5.19%	5.0	A+
March 31, 2024	$391M	4.12%	5.0	A+
December 31, 2023	$376M	4.33%	5.0	A+
September 30, 2023	$371M	3.28%	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 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 Ashland 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 Ashland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ashland Credit Union

Website https://www.ashlandcu.org

Address 305 MARTIN LUTHER KING JR BLVD, ASHLAND, KY 41101

Phone 606-329-5489

Fax

President Joseph Hsu

CEO LARRY LUCAS

Full-Time Employees 84

Part-Time Employees 2

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.03%

Return on Assets (ROA)

0.1292%

Return on Equity (ROE)

1.0535%

Non-Performing Loans Ratio (NPL)

1.29%

Total Assets

411,822,731

Total Amount of Shares and Deposits

354,814,424

Total Shares and Deposits < 1 Year

310,121,118

Total Shares and Deposits 1 3 Years

40,351,236

Total Shares and Deposits > 3 Years

4,342,070

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

12,898,264

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

12,898,264

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

341,916,160

Total Interest Expense (Sum of items 6 8)

4,656,755

Share Certificates

3,406

Number of Accounts for Share Drafts

13,400

IRA KEOGH Accounts

554

Number of Accounts for Regular Shares

54,084

All other shares

185

Money Market Shares

7,816

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)

23,747,886

Total Liabilities

364,634,396

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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

Customer Reviews

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Frequently Asked Questions About Ashland Credit Union

Does Ashland Credit Union offer CDs?

Yes. Ashland Credit Union current CD rates include its 36 Month Standard CD at 4.00% APY, its 48 Month Standard CD at 4.00% APY and its 60 Month Standard CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Ashland Credit Union NCUA insured?

Yes. Ashland 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 Ashland Credit Union?

The highest Ashland Credit Union CD rate is its Jumbo CDs - 36 Month at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Ashland Credit Union offer?

Ashland Credit Union CD rates are 3.40% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.75% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Ashland Credit Union for its full lineup.

What is the highest savings rate at Ashland Credit Union?

The highest Ashland Credit Union savings rate is its Premium Savings at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Ashland Credit Union?

The highest Ashland Credit Union checking rate is its Checking at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Ashland Credit Union auto loan rate is its Auto Loan - New & Used Automobiles at 4.49%, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Ashland Credit Union personal loan rate is its Personal Loan - 12 Month at 9.99% APR, verified by MonitorBankRates as of October 29, 2026. Ashland Credit Union personal loan rates are 9.99% APR for a 12 month personal loan, 10.49% APR for a 24 month personal loan, 10.99% APR for a 36 month personal loan, 11.49% APR for a 48 month personal loan and 11.99% APR for a 60 month personal loan.

What is the lowest credit card APR at Ashland Credit Union?

The lowest Ashland Credit Union credit card APR is its Visa Platinum Credit Card at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Ashland Credit Union operate?

Ashland 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 Ashland Credit Union?

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

Does Ashland Credit Union offer online and mobile banking?

Most modern institutions like Ashland 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.ashlandcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Ashland Credit Union rates compare?

Ashland Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A health rating. Ashland Credit Union's top rates are its Jumbo CDs - 36 Month at 4.25% APY, its Premium Savings at 2.25% APY, its Checking at 0.50% APY, its Personal Loan - 12 Month at 9.99% APR and its Visa Platinum Credit Card at 11.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Ashland Credit Union Rates

12-Month CD3.40%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.75%
Savings2.25%

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

Compare to Other Credit Unions

Ashland Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ashland Credit Union Texas Ratio

Ashland Credit Union Health Trend

Ashland Credit Union CD Rates

Ashland Credit Union Savings Rates

Ashland Credit Union Checking Rates

Ashland Credit Union Business Checking Rates

Ashland Credit Union Home Equity & HELOC

Ashland Credit Union Auto Loan Rates

Ashland Credit Union Credit Card Rates

Ashland Credit Union Personal Loan Rates

Ashland Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ashland Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ashland Credit Union

Does Ashland Credit Union offer CDs?

Are CDs from Ashland Credit Union NCUA insured?

What is the highest CD rate at Ashland Credit Union?

What CD terms does Ashland Credit Union offer?

What is the highest savings rate at Ashland Credit Union?

What is the highest checking rate at Ashland Credit Union?

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

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

What is the lowest credit card APR at Ashland Credit Union?

How many branches does Ashland Credit Union operate?

Is a member application needed to join Ashland Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ashland 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 Ashland Credit Union rates compare?

Current Ashland Credit Union Rates

Compare to Other Credit Unions