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Associated Credit Union

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Associated Credit Union Rates & Review November 2026

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

Current rates for Associated Credit Union include: 12-Month CD: 3.85%, 24-Month CD: 4.00%, 60-Month CD: 3.25%, Savings: 4.00%, MMA: 2.75%

Q: What CD terms does Associated Credit Union offer?

Associated Credit Union CD rates are 3.85% APY for a 12 month CD, 4.00% APY for a 2 year CD and 3.25% 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 Associated Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Associated Credit Union's 2 Year CD rates are at 4.00%, 2 Year Trust CD rates are at 4.00%, 1 Year CD rates are at 3.85%, 1 Year Trust CD rates are at 3.85%, Tax Factor 1 Year CD rates are at 3.85%. Associated Credit Union's savings rates are at 4.00%. Associated Credit Union's money market rates are at 2.75%. Associated Credit Union's checking rates are as high as 3.50%. Associated Credit Union's Personal Loan Rates are as low as 8.50%. Associated Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Associated Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.61%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 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

1.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Associated Credit Union
Associated Credit Union

6251 Crooked Creek Rd
Norcross, GA 30092-3107

https://www.acuonline.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.

Associated Credit Union CD Rates

Product	Rate	APY	Term
2 Year CD	3.941%	4.00%	2 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 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: 1.61%
2 Year IRA CD	3.941%	4.00%	2 Year
Min Deposit $200 Details May be used for Traditional Individual Retirement Accounts; Good through November 4, 2026; Effective as of October 29, 2026 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: 1.61%
2 Year Trust CD	3.941%	4.00%	2 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 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: 1.61%
1 Year CD	3.796%	3.85%	1 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
1 Year IRA CD	3.796%	3.85%	1 Year
Min Deposit $200 Details May be used for Traditional Individual Retirement Accounts; Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
1 Year Trust CD	3.796%	3.85%	1 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Tax Factor 1 Year CD	3.85%	3.85%	1 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
9 Month CD	3.45%	3.45%	9 Month
Min Deposit $200 Details Allows one early withdrawal or early redemption without penalty; Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month CD	3.35%	3.35%	6 Month
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
6 Month Safari Club CD	3.35%	3.35%	6 Month
Min Deposit $100 Details For Members through age 15; Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
5 Year CD	3.211%	3.25%	5 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
5 Year IRA CD	3.211%	3.25%	5 Year
Min Deposit $200 Details May be used for Traditional Individual Retirement Accounts; Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
5 Year Trust CD	3.211%	3.25%	5 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
3 Year CD	3.113%	3.15%	3 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
3 Year IRA CD	3.113%	3.15%	3 Year
Min Deposit $200 Details May be used for Traditional Individual Retirement Accounts; Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
4 Year CD	3.113%	3.15%	4 Year
Min Deposit $200 Details Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
4 Year IRA CD	3.113%	3.15%	4 Year
Min Deposit $200 Details May be used for Traditional Individual Retirement Accounts; Good through November 4, 2026; Effective as of October 29, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Associated Credit Union Savings Rates

Product	Rate	APY
Safari Savings Club	3.941%	4.00%
Min Balance $50 Details Balance: $50 - $500; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Holiday Club	0.399%	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
IRA Share Account	0.399%	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
PRO$PER Savings Account	0.399%	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Safari Savings Club	0.399%	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Account	0.399%	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Trust Primary Share	0.399%	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Holiday Club	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
IRA Share Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
PRO$PER Savings Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Safari Savings Club	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,000; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Trust Primary Share	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Holiday Club	0.25%	0.25%
Min Balance $50 Details Balance: $50 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
IRA Share Account	0.25%	0.25%
Min Balance $50 Details Balance: $50 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
PRO$PER Savings Account	0.25%	0.25%
Min Balance $50 Details Balance: $50 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Safari Savings Club	0.25%	0.25%
Min Balance $501 Details Balance: $501 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Share Account	0.25%	0.25%
Min Balance $50 Details Balance: $50 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Trust Primary Share	0.25%	0.25%
Min Balance $50 Details Balance: $50 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Associated Credit Union Money Market Rates

Product	Rate	APY
Regular & IRA Money Market Accounts	2.716%	2.75%
Min Balance $100,000 Details Balance: $100,000 & More; Regular, TRUST, & IRA MMAs; Compounding Method: Monthly; Dividend Frequency: Monthly; Good Through October 31, 2026; Effective As Of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Regular & IRA Money Market Accounts	1.243%	1.25%
Min Balance $10,000 Details Balance: $10,000 To $99,999; Regular, TRUST, & IRA MMAs; Compounding Method: Monthly; Dividend Frequency: Monthly; Good Through October 31, 2026; Effective As Of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Regular & IRA Money Market Accounts	0.499%	0.50%
Min Balance $1,000 Details Balance: $1,000 To $4,999; Regular, TRUST, & IRA MMAs; Compounding Method: Monthly; Dividend Frequency: Monthly; Good Through October 31, 2026; Effective As Of October 1, 2026 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: 1.61%
Regular & IRA Money Market Accounts	0.499%	0.50%
Min Balance $5,000 Details Balance: $5,000 To $9,999; Regular, TRUST, & IRA MMAs; Compounding Method: Monthly; Dividend Frequency: Monthly; Good Through October 31, 2026; Effective As Of October 1, 2026 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: 1.61%

Associated Credit Union Checking Rates

Product	Rate	APY
PRO$PER Checking	3.44%	3.50%
Min Balance $0 Details Balance: $0 - $24,999; Pays lower tier rate on entire balance when Tier One requirements are not met; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Associated Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500+; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
HSA Checking	0.05%	0.05%
Details Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
PRO$PER Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000+; Pays lower tier rate on entire balance when Tier One requirements are not met; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Simple Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500+; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Trust Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500+; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Associated Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.05% Oct 26, 20260.05%▼ from 0.05% Oct 19, 20260.05%▼ from 0.05% Sep 21, 20260.05%▼ from 0.05% Sep 18, 20260.05%▼ from 0.05% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Simple Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.05% Oct 26, 20260.05%▼ from 0.05% Oct 19, 20260.05%▼ from 0.05% Sep 21, 20260.05%▼ from 0.05% Sep 18, 20260.05%▼ from 0.05% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Trust Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.05% Oct 26, 20260.05%▼ from 0.05% Oct 19, 20260.05%▼ from 0.05% Sep 21, 20260.05%▼ from 0.05% Sep 18, 20260.05%▼ from 0.05% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Associated Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan - 2027 - 2024 NADA Retail / MSRP	-	-	4.25%	Up To 84 Months
Details APR range: 4.25% - 14.75%; Model Years: 2027 - 2024 NADA Retail / MSRP; Effective October 5, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2023 - 2022 NADA Retail	-	-	5.00%	Up To 75 Months
Details APR range: 5.00% - 15.25%; Model Years: 2023 - 2022 NADA Retail; Effective October 5, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 29, 20265.00%▲ from 4.75% Oct 26, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2021 - 2019 NADA Retail	-	-	5.50%	Up To 66 Months
Details APR range: 5.50% - 16.00%; Model Years: 2021 - 2019 NADA Retail; Effective October 5, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 5.75% → 5.50% ▼ 0.25 pts · high 5.75% / low 5.50% Oct 29, 20265.50%▼ from 5.75% Oct 26, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2027 - 2025 New Boats, RV/Motor Homes & Trailers	-	-	6.50%	Up To 180 Months
Details APR range: 6.50% - 9.50%; Model Years: 2027 - 2025 New; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2027 - 2025 New Campers / 5th Wheel	-	-	6.50%	Up To 84 Months
Details APR range: 6.50% - 9.00%; Model Years: 2027 - 2025 New; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2027 - 2025 New Motorcycles	-	-	6.50%	Up To 84 Months
Details APR range: 6.50% - 9.00%; Model Years: 2027 - 2025 New; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2024 - 2021 Used Boats, RV/Motor Homes & Trailers	-	-	7.00%	Up To 120 Months
Details APR range: 7.00% - 9.50%; Model Years: 2024 - 2021 Used; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2024 - 2019 Used Campers / 5th Wheel	-	-	7.50%	Up To 72 Months
Details APR range: 7.50% - 9.50%; Model Years: 2024 - 2019 Used; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2024 - 2019 Used Motorcycles	-	-	7.50%	Up To 72 Months
Details APR range: 7.50% - 9.50%; Model Years: 2024 - 2019 Used; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2027- 2019 Jet Ski / ATV / Misc	-	-	7.50%	Up To 60 Months
Details APR range: 7.50% - 10.00%; Model Years: 2027- 2019; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Vehicle Loan - 2020 - 2019 Used Boats, RV/Motor Homes & Trailers	-	-	8.00%	Up To 84 Months
Details APR range: 8.00% - 10.00%; Model Years: 2020 - 2019 Used; Effective July 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Associated Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan Max	8.50%	Up To 60 Months
Details $500 - $30,000; As Low As; APR range: 8.50% - 16.50%; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
Personal Line of Credit Max	18.00%	Open-End
Details $500 - $30,000; Effective October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

Associated Credit Union Other Rates

Product	Rate	Points	APY/APR
CU $aveMore	3.941%	-	4.00%
Min Balance $50 Details Balance: $50 - $500; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
CU $aveMore	0.25%	-	0.25%
Min Balance $501 Details Balance: $501 - $49,999; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
CU $aveMore	0.30%	-	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,000; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%
CU $aveMore	0.399%	-	0.40%
Min Balance $100,000 Details Balance: $100,000 & UP; Q3; Compounding Method: Quarterly; Good Through: September 30, 2026; Dividend Frequency: Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.61%

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.
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Financial Health History

Associated Credit Union’s Texas Ratio stayed near 1.58% in Q3 2023 to 1.61% 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	$2.5B	1.61%	5.0	A+
March 31, 2026	$2.6B	1.62%	5.0	A+
December 31, 2025	$2.3B	1.92%	5.0	A+
September 30, 2025	$2.2B	2.28%	5.0	A+
June 30, 2025	$2.3B	2.07%	5.0	A+
March 31, 2025	$2.3B	1.94%	5.0	A+
December 31, 2024	$2.2B	2.10%	5.0	A+
September 30, 2024	$2.2B	2.03%	5.0	A+
June 30, 2024	$2.2B	1.59%	5.0	A+
March 31, 2024	$2.2B	1.39%	5.0	A+
December 31, 2023	$2.2B	2.00%	5.0	A+
September 30, 2023	$2.1B	1.58%	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 Associated 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 Associated 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 Associated Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Associated Credit Union

Website https://www.acuonline.org

Address 6251 Crooked Creek Rd, Norcross, GA 30092-3107

Phone 770-448-8200

Fax 770-368-2120

President Nancy Garner

CEO Timothy Bridges

Full-Time Employees 407

Part-Time Employees 11

Branch Locations 19

ATM Locations 19

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

1.61%

Return on Assets (ROA)

0.3579%

Return on Equity (ROE)

2.7479%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

2,547,823,933

Total Amount of Shares and Deposits

2,181,754,096

Total Shares and Deposits < 1 Year

2,101,467,854

Total Shares and Deposits 1 3 Years

68,201,023

Total Shares and Deposits > 3 Years

12,085,219

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

159,871,286

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

185,199,007

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

1,996,555,089

Total Interest Expense (Sum of items 6 8)

16,284,875

Share Certificates

15,553

Number of Accounts for Share Drafts

81,152

IRA KEOGH Accounts

7,140

Number of Accounts for Regular Shares

192,934

All other shares

513

Non Member Deposits

Money Market Shares

16,016

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

9,099,093

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)

257,287,525

Total Liabilities

2,226,177,358

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Associated Credit Union earned the Verified Healthy badge

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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 Associated Credit Union

Does Associated Credit Union offer CDs?

Yes. Associated Credit Union current CD rates include its 2 Year CD at 4.00% APY, its 2 Year Trust CD at 4.00% APY and its 1 Year CD at 3.85% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Associated Credit Union NCUA insured?

Yes. Associated 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 Associated Credit Union?

The highest Associated Credit Union CD rate is its 2 Year CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Associated Credit Union offer?

Associated Credit Union CD rates are 3.85% APY for a 12 month CD, 4.00% APY for a 2 year CD and 3.25% 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 Associated Credit Union for its full lineup.

What is the highest savings rate at Associated Credit Union?

The highest Associated Credit Union savings rate is its Safari Savings Club at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Associated Credit Union?

The highest Associated Credit Union money market rate is its Regular & IRA Money Market Accounts at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Associated Credit Union?

The highest Associated Credit Union checking rate is its PRO$PER Checking at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Associated Credit Union auto loan rate is its Vehicle Loan - 2027 - 2024 NADA Retail / MSRP at 4.25% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Associated Credit Union personal loan rate is its Personal Loan Max at 8.50% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Associated Credit Union operate?

Associated 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 Associated Credit Union?

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

Does Associated Credit Union offer online and mobile banking?

Most modern institutions like Associated 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.acuonline.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 Associated Credit Union rates compare?

Associated Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. Associated Credit Union's top rates are its 2 Year CD at 4.00% APY, its Safari Savings Club at 4.00% APY, its Regular & IRA Money Market Accounts at 2.75% APY, its PRO$PER Checking at 3.50% APY and its Personal Loan Max at 8.50% APR, verified by MonitorBankRates on October 29, 2026.

Current Associated Credit Union Rates

12-Month CD3.85%
24-Month CD4.00%
60-Month CD3.25%
Savings4.00%
MMA2.75%

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

Compare to Other Credit Unions

Associated Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Associated Credit Union Texas Ratio

Associated Credit Union Health Trend

Associated Credit Union CD Rates

Associated Credit Union Savings Rates

Associated Credit Union Money Market Rates

Associated Credit Union Checking Rates

Associated Credit Union Auto Loan Rates

Associated Credit Union Personal Loan Rates

Associated Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Associated Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Associated Credit Union

Does Associated Credit Union offer CDs?

Are CDs from Associated Credit Union NCUA insured?

What is the highest CD rate at Associated Credit Union?

What CD terms does Associated Credit Union offer?

What is the highest savings rate at Associated Credit Union?

What is the highest money market rate at Associated Credit Union?

What is the highest checking rate at Associated Credit Union?

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

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

How many branches does Associated Credit Union operate?

Is a member application needed to join Associated Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Associated 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 Associated Credit Union rates compare?

Current Associated Credit Union Rates

Compare to Other Credit Unions