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Aspen Federal Credit Union

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Aspen Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Aspen 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, Aspen 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 10, 2026

Aspen Federal Credit Union's top rates as of October 10, 2026 are 4.10% APY on its 9 Month CD, rv, boat and powersport loans from 5.05% APR, and credit cards from 7.00% APR, according to rates verified by MonitorBankRates. Other Aspen Federal Credit Union CD rates include 6 Month CD at 4.00%, and 12 - 48 Month CD at 3.85%. MonitorBankRates evaluates the financial stability of Aspen Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.22%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Aspen Federal Credit Union
Main Office

4956 5th St
Rapid City, SD 57701

https://www.aspenfcu.com/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Aspen Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Share Certificate	4.038%	4.10%	9 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
6 Month Share Certificate	3.941%	4.00%	6 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
12 - 48 Month Share Certificate	3.795%	3.85%	12-48 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Aspen Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.75%
Details Advertised rates and terms are subject to change at any time without notice. Home Equity Lines of Credit rates are variable and subject to change on a quarterly basis. Maximum APR not to exceed 18%. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Aspen Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto/Recreational	-	-	5.05%
Details Advertised rates and terms are subject to change at any time without notice. Aspen FCU offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application! Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call Aspen FCU at 605-342-7776 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Aspen Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	7.00%
Details Advertised rates and terms are subject to change at any time without notice. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

Aspen Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Cash Checking	5.60%	-	5.75%
Min Balance $0 Details Qualifications Required: At least 12 debit card purchases, each greater than $4.99; At least one direct deposit or ACH credit transaction; Be enrolled in and agree to receive E-Statements; Balances up to $20,000.00 earn this rate. Average daily balances over $20,000.00 earn a dividend rate of .24% on the portion of the average daily balance over $20,000.00, resulting in a range from 1.17% to 5.75% APY depending on the account's average daily balance. ATM withdrawal fee refunds up to $20 monthly. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Kasasa Cash Checking	5.60%	-	5.75%
Min Deposit $0 Min Balance $20,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases, each $4.99 or more; enrolled in and log into online banking; enrolled in and have agreed to receive e-statements rather than paper statements; maintain a valid email address on record with credit union; Balances over $20,000.00 earn a dividend rate of 0.24% on the portion of the average daily balance over $20,000.00, resulting in a range from 1.17% to 5.75% APY depending on the account's average daily balance. Refunds on ATM withdrawal fees, nationwide. No minimum balance is required to earn or receive the account's rewards. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Kasasa Cash Checking	0.05%	-	0.05%
Min Balance $0 Details All balances if qualifications not met Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%
Kasasa Saver Savings	2.96%	-	3.00%
Min Balance $0 Details Balance: 0 - $100,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.22%

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

Aspen Federal Credit Union’s Texas Ratio rose from 1.02% in Q3 2023 to 4.22% 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	$173M	4.22%	5.0	A+
March 31, 2026	$167M	4.27%	5.0	A+
December 31, 2025	$164M	3.38%	5.0	A+
September 30, 2025	$160M	2.72%	5.0	A+
June 30, 2025	$157M	5.86%	5.0	A+
March 31, 2025	$155M	2.79%	5.0	A+
December 31, 2024	$145M	2.44%	5.0	A+
September 30, 2024	$144M	2.71%	5.0	A+
June 30, 2024	$142M	1.64%	5.0	A+
March 31, 2024	$136M	1.10%	5.0	A+
December 31, 2023	$131M	1.39%	5.0	A+
September 30, 2023	$131M	1.02%	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 Aspen 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 Aspen 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 Aspen Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Aspen Federal Credit Union

Website https://www.aspenfcu.com/

Address 4956 5th St, Rapid City, SD 57701

Phone 605-342-7776

Fax 605-348-3172

President Deborah Larson

CEO Pamela Brown-Graff

Full-Time Employees 32

Part-Time Employees 1

Branch Locations 3

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.22%

Return on Assets (ROA)

0.5852%

Return on Equity (ROE)

6.9323%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

172,995,509

Total Amount of Shares and Deposits

152,672,302

Total Shares and Deposits < 1 Year

142,930,173

Total Shares and Deposits 1 3 Years

7,876,102

Total Shares and Deposits > 3 Years

1,866,027

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

5,896,324

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

5,896,324

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

146,775,978

Total Interest Expense (Sum of items 6 8)

1,861,350

Share Certificates

966

Number of Accounts for Share Drafts

5,597

IRA KEOGH Accounts

188

Number of Accounts for Regular Shares

9,739

Non Member Deposits

Money Market Shares

185

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)

2,444,635

Total Liabilities

158,391,826

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Aspen Federal Credit Union earned the Verified Healthy badge

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

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

<a href="https://monitorbankrates.com/credit-unions/aspen-rates-review-17224">
  <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 Aspen Federal Credit Union

How many branches does Aspen Federal Credit Union operate?

Aspen 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 Aspen Federal Credit Union?

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

Does Aspen Federal Credit Union offer online and mobile banking?

Most modern institutions like Aspen Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aspenfcu.com/.