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Audubon Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Audubon Federal Credit Union's 4-Year CD rates are at 1.00%, 3-Year CD rates are at 0.80%, 2-Year CD rates are at 0.65%, 18-Month CD rates are at 0.55%, 1-Year CD (365 Days) rates are at 0.50%. Audubon Federal Credit Union's savings rates are at 3.50%. Audubon Federal Credit Union's money market rates are at 0.45%. Audubon Federal Credit Union's checking rates are as high as 1.00%. Audubon Federal Credit Union's Personal Loan Rates are as low as 10.25%. Audubon Federal Credit Union's Credit Card Rates are at 10.90%. Audubon Federal Credit Union's CD rates are 76% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Audubon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.60%. Rates last updated and verified on 10/29/2026.
Audubon 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 Audubon Federal Credit Union? Share your experience about Audubon Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Audubon Federal Credit Union.
Audubon Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Audubon Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.60%
ExcellentLower than avg
Audubon Federal Credit Union Texas Ratio
Audubon Federal Credit Union's Texas Ratio is 5.60%, which is considered excellent and is lower than the national average of 6.13%.
Audubon Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.49% to 5.60% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Audubon Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
4-Year Certificate
1.00%
1.00%
4 years
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
3-Year Certificate
0.80%
0.80%
3 years
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
2-Year Certificate
0.65%
0.65%
2 years
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
18-Month Certificate
0.55%
0.55%
18 months
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
1-Year Certificate (365 Days)
0.50%
0.50%
365 days
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
182-Day Certificate
0.40%
0.40%
182 days
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
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: 5.60%
91-Day Certificate
0.30%
0.30%
91 days
Min Balance$500
DetailsShare Certificates effective 7/1/2022
Last Updated10/29/2026
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: 5.60%
Audubon Federal Credit Union Savings Rates
Product
Rate
APY
View More
Youth Savings
3.50%
3.50%
Min Balance$500
DetailsMax Balance: $2,500.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Christmas Club
0.20%
0.20%
No additional details.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Regular Shares
0.20%
0.20%
Min Balance$5
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Audubon Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.45%
0.45%
Min Balance$75,000
DetailsBalance: $75,000 or more; Effective 7/1/2022
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 10 times
No change since Sep 14, 2026 · 9.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
9.25%
72 months
DetailsCredit Score: B = 640-679; Model Year: 2019-2021; Minimum $20,000
Last Updated10/29/2026
Rate History
2 changes since Sep 25, 2026 · 11.25% → 9.25% ▼ 2.00 pts · high 11.25% / low 9.25%
Oct 13, 20269.25%▼ from 10.75%
Oct 9, 202610.75%▼ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
9.50%
66 months
DetailsCredit Score: B = 640-679; Model Year: 2017-2018; Minimum $20,000
Last Updated10/29/2026
Rate History
2 changes since Sep 25, 2026 · 11.50% → 9.50% ▼ 2.00 pts · high 15.00% / low 9.50%
Oct 13, 20269.50%▼ from 15.00%
Oct 9, 202615.00%▲ from 11.50%
Sep 25, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
9.50%
84 months
DetailsScore: A = 680-749; 84 Month - Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.00% → 9.50% ▲ 0.50 pts · high 9.50% / low 9.00%
Sep 17, 20269.50%▲ from 9.00%
Sep 14, 20269.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
9.50%
60 months
DetailsScore: B = 640-679
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 9.50% ▲ 1.00 pts · high 9.50% / low 8.50%
Sep 17, 20269.50%▲ from 8.50%
Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
9.75%
60 months
DetailsCredit Score: B = 640-679; Model Year: < 2016; Minimum $20,000
Last Updated10/29/2026
Rate History
2 changes since Sep 25, 2026 · 11.75% → 9.75% ▼ 2.00 pts · high 15.25% / low 9.75%
Oct 13, 20269.75%▼ from 15.25%
Oct 9, 202615.25%▲ from 11.75%
Sep 25, 202611.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan
9.75%
9.75%
84 months
DetailsCredit Grade: A+ = 750+
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan
10.00%
10.00%
60 months
DetailsCredit Grade: A = 680-749
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan
10.25%
10.25%
84 months
DetailsCredit Grade: A = 680-749
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
10.50%
84 months
DetailsCredit Score: C = 600-639; Model Year: 2024-2026; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 8.50% → 10.50% ▲ 2.00 pts · high 10.50% / low 8.50%
Oct 9, 202610.50%▲ from 8.50%
Sep 25, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
10.50%
84 months
DetailsScore: B = 640-679; 84 Month - Minimum $20,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
10.75%
72 months
DetailsCredit Score: C = 600-639; Model Year: 2022-2023; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.25% → 10.75% ▼ 0.50 pts · high 11.25% / low 10.75%
Oct 9, 202610.75%▼ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
11.00%
60 months
DetailsScore: C = 600-639
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
11.25%
72 months
DetailsCredit Score: C = 600-639; Model Year: 2019-2021; Minimum $20,000
Last Updated10/29/2026
Rate History
2 changes since Sep 25, 2026 · 11.25% → 11.25% ▼ 0.00 pts · high 11.25% / low 10.75%
Oct 13, 202611.25%▲ from 10.75%
Oct 9, 202610.75%▼ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan
11.25%
11.25%
84 months
DetailsCredit Grade: B = 640-679
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
11.50%
66 months
DetailsCredit Score: C = 600-639; Model Year: 2017-2018; Minimum $20,000
Last Updated10/29/2026
Rate History
2 changes since Sep 25, 2026 · 11.50% → 11.50% ▼ 0.00 pts · high 15.00% / low 11.50%
Oct 13, 202611.50%▼ from 15.00%
Oct 9, 202615.00%▲ from 11.50%
Sep 25, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
11.75%
60 months
DetailsCredit Score: C = 600-639; Model Year: < 2016; Minimum $20,000
Last Updated10/29/2026
Rate History
2 changes since Sep 25, 2026 · 11.75% → 11.75% ▼ 0.00 pts · high 15.25% / low 11.75%
Oct 13, 202611.75%▼ from 15.25%
Oct 9, 202615.25%▲ from 11.75%
Sep 25, 202611.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
12.00%
84 months
DetailsScore: C = 600-639; 84 Month - Minimum $20,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
13.50%
60 months
DetailsScore: D = 550-599
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
14.00%
84 months
DetailsCredit Score: D = 550-599; Model Year: 2024-2026; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 8.50% → 14.00% ▲ 5.50 pts · high 14.00% / low 8.50%
Oct 9, 202614.00%▲ from 8.50%
Sep 25, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
14.25%
72 months
DetailsCredit Score: D = 550-599; Model Year: 2022-2023; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.25% → 14.25% ▲ 3.00 pts · high 14.25% / low 11.25%
Oct 9, 202614.25%▲ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
New RV / Campers / 4-Wheelers / ATVs Loan
-
14.50%
84 months
DetailsScore: D = 550-599; 84 Month - Minimum $20,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 14.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
14.75%
72 months
DetailsCredit Score: D = 550-599; Model Year: 2019-2021; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.25% → 14.75% ▲ 3.50 pts · high 14.75% / low 11.25%
Oct 9, 202614.75%▲ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
15.00%
66 months
DetailsCredit Score: D = 550-599; Model Year: 2017-2018; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.50% → 15.00% ▲ 3.50 pts · high 15.00% / low 11.50%
Oct 9, 202615.00%▲ from 11.50%
Sep 25, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
15.25%
60 months
DetailsCredit Score: D = 550-599; Model Year: < 2016; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.75% → 15.25% ▲ 3.50 pts · high 15.25% / low 11.75%
Oct 9, 202615.25%▲ from 11.75%
Sep 25, 202611.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Used RV / Campers / 4-Wheelers / ATVs Loan
15.25%
15.25%
84 months
DetailsCredit Grade: D = 550-599
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 15.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
16.75%
60 months
DetailsCredit Score: E = 549-; Model Year: < 2016; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.75% → 16.75% ▲ 5.00 pts · high 16.75% / low 11.75%
Oct 9, 202616.75%▲ from 11.75%
Sep 25, 202611.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
16.75%
72 months
DetailsCredit Score: E = 549-; Model Year: 2019-2021; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.25% → 16.75% ▲ 5.50 pts · high 16.75% / low 11.25%
Oct 9, 202616.75%▲ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
17.00%
66 months
DetailsCredit Score: E = 549-; Model Year: 2017-2018; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.50% → 17.00% ▲ 5.50 pts · high 17.00% / low 11.50%
Oct 9, 202617.00%▲ from 11.50%
Sep 25, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
17.00%
84 months
DetailsCredit Score: E = 549-; Model Year: 2024-2026; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 8.50% → 17.00% ▲ 8.50 pts · high 17.00% / low 8.50%
Oct 9, 202617.00%▲ from 8.50%
Sep 25, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Motorcycle/Boat Loan
-
17.25%
72 months
DetailsCredit Score: E = 549-; Model Year: 2022-2023; Minimum $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 25, 2026 · 11.25% → 17.25% ▲ 6.00 pts · high 17.25% / low 11.25%
Oct 9, 202617.25%▲ from 11.25%
Sep 25, 202611.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Audubon Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Credit Card
-
10.90%
DetailsAnnual percentage rate; account can be opened with as little as $500 to begin; applicants must be at least 18
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 10.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Audubon Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.25%
24 months
DetailsScore: A+ = 750+
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
10.50%
36 months
DetailsScore: A+ = 750+
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 10.90% → 10.50% ▼ 0.40 pts · high 10.90% / low 10.50%
Oct 5, 202610.50%▼ from 10.90%
Sep 21, 202610.90%▲ from 10.50%
Sep 17, 202610.50%▼ from 10.90%
Sep 14, 202610.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
10.50%
24 months
DetailsScore: A = 680-749
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25%
Sep 17, 202610.50%▲ from 10.25%
Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
11.00%
48 months
DetailsScore: A+ = 750+
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 12.50% → 11.00% ▼ 1.50 pts · high 12.50% / low 11.00%
Sep 17, 202611.00%▼ from 12.50%
Sep 14, 202612.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
11.00%
36 months
DetailsScore: A = 680-749
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 10.90% → 11.00% ▲ 0.10 pts · high 11.00% / low 10.90%
Sep 17, 202611.00%▲ from 10.90%
Sep 14, 202610.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
11.50%
48 months
DetailsScore: A = 680-749
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 12.50% → 11.50% ▼ 1.00 pts · high 12.50% / low 11.50%
Sep 17, 202611.50%▼ from 12.50%
Sep 14, 202612.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
11.50%
24 months
DetailsScore: B = 640-679
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 11.50% ▲ 1.25 pts · high 11.50% / low 10.25%
Sep 17, 202611.50%▲ from 10.25%
Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
11.50%
60 months
DetailsScore: A+ = 750+
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 14.50% → 11.50% ▼ 3.00 pts · high 14.50% / low 11.50%
Sep 17, 202611.50%▼ from 14.50%
Sep 14, 202614.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
12.00%
60 months
DetailsScore: A = 680-749
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 14.50% → 12.00% ▼ 2.50 pts · high 14.50% / low 12.00%
Sep 17, 202612.00%▼ from 14.50%
Sep 14, 202614.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
12.00%
36 months
DetailsScore: B = 640-679
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 10.90% → 12.00% ▲ 1.10 pts · high 12.00% / low 10.90%
Oct 5, 202612.00%▲ from 11.00%
Sep 21, 202611.00%▼ from 12.00%
Sep 17, 202612.00%▲ from 10.90%
Sep 14, 202610.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
12.50%
48 months
DetailsScore: B = 640-679
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
13.00%
60 months
DetailsScore: B = 640-679
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 14.50% → 13.00% ▼ 1.50 pts · high 14.50% / low 13.00%
Sep 17, 202613.00%▼ from 14.50%
Sep 14, 202614.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
13.00%
24 months
DetailsScore: C = 600-639
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 15.50% → 13.00% ▼ 2.50 pts · high 15.50% / low 13.00%
Sep 17, 202613.00%▼ from 15.50%
Sep 14, 202615.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
13.50%
36 months
DetailsScore: C = 600-639
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 13.50% → 13.50% ▼ 0.00 pts · high 14.40% / low 13.50%
Oct 5, 202613.50%▼ from 14.40%
Sep 21, 202614.40%▲ from 13.50%
Sep 14, 202613.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
14.00%
48 months
DetailsScore: C = 600-639
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
14.50%
60 months
DetailsScore: C = 600-639
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 14.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
15.50%
24 months
DetailsScore: D = 550-599
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 15.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
16.00%
36 months
DetailsScore: D = 550-599
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 16.00% → 16.00% ▼ 0.00 pts · high 16.40% / low 16.00%
Oct 5, 202616.00%▼ from 16.40%
Sep 21, 202616.40%▲ from 16.00%
Sep 14, 202616.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
16.50%
48 months
DetailsScore: D = 550-599
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
17.00%
60 months
DetailsScore: D = 550-599
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
18.00%
24 months
DetailsScore: E = 549
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 15.50% → 18.00% ▲ 2.50 pts · high 18.00% / low 15.50%
Sep 17, 202618.00%▲ from 15.50%
Sep 14, 202615.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
18.00%
36 months
DetailsScore: E = 549
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 16.40% → 18.00% ▲ 1.60 pts · high 18.00% / low 16.40%
Oct 5, 202618.00%▲ from 16.40%
Sep 21, 202616.40%▼ from 18.00%
Sep 17, 202618.00%▲ from 16.40%
Sep 14, 202616.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
18.00%
48 months
DetailsScore: E = 549
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 16.50% → 18.00% ▲ 1.50 pts · high 18.00% / low 16.50%
Sep 17, 202618.00%▲ from 16.50%
Sep 14, 202616.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Personal Loan
18.00%
60 months
DetailsScore: E = 549
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 17.00% → 18.00% ▲ 1.00 pts · high 18.00% / low 17.00%
Sep 17, 202618.00%▲ from 17.00%
Sep 14, 202617.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Audubon Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
8.75%
-
8.75%
60 months
DetailsScore: A+ = 750+
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 9.00% → 8.75% ▼ 0.25 pts · high 9.00% / low 8.75%
Sep 21, 20268.75%▼ from 9.00%
Sep 17, 20269.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Line of Credit
9.00%
-
9.00%
60 months
DetailsScore: A = 680-749
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Line of Credit
10.00%
-
10.00%
48 months
DetailsScore: B = 640-679; 10.00% (at 48 months)
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 10.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Line of Credit
11.50%
-
11.50%
36 months
DetailsScore: C = 600-639
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 11.50% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Line of Credit
13.50%
-
13.50%
36 months
DetailsScore: D = 550-599
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 13.50% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Line of Credit
17.00%
-
17.00%
36 months
DetailsScore: E = 549
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 17.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Loan Promotion /
6.90%
-
6.90%
36 months
Details$3000; Score: A+ = 750+; Annual Christmas Loan Special of up to $3,000 for 36 months
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Loan Promotion /
7.90%
-
7.90%
36 months
Details$3000; Score: B = 640-679; Annual Christmas Loan Special of up to $3,000 for 36 months
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 7.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Loan Promotion /
10.90%
-
10.90%
36 months
Details$3000; Score: C = 600-639; Annual Christmas Loan Special of up to $3,000 for 36 months
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 10.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Loan Promotion /
14.40%
-
14.40%
36 months
Details$3000; Score: D = 550-599; Annual Christmas Loan Special of up to $3,000 for 36 months
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 14.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Loan Promotion /
16.40%
-
16.40%
36 months
Details$3000; Score: E = 549-; Annual Christmas Loan Special of up to $3,000 for 36 months
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 16.40% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Accumulation
0.15%
-
0.15%
Min Balance$1,000
DetailsBalance: $1,000 - $4,999; Effective 7/1/2022; Rates subject to change monthly; Two withdrawals per month allowed, $10.00 for each additional withdrawal
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Accumulation
0.20%
-
0.20%
Min Balance$5,000
DetailsBalance: $5,000 - $9,999; Effective 7/1/2022; Rates subject to change monthly; Two withdrawals per month allowed, $10.00 for each additional withdrawal
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Accumulation
0.25%
-
0.25%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999; Effective 7/1/2022; Rates subject to change monthly; Two withdrawals per month allowed, $10.00 for each additional withdrawal
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Accumulation
0.30%
-
0.30%
Min Balance$25,000
DetailsBalance: $25,000 or more; Effective 7/1/2022; Rates subject to change monthly; Two withdrawals per month allowed, $10.00 for each additional withdrawal
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
IRA Traditional
0.45%
-
0.45%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.60%
Financial Health History
Audubon Federal Credit Union’s Texas Ratio stayed near 5.49% in Q3 2023 to 5.60% 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. 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
$34M
5.60%
5.0
A+
March 31, 2026
$35M
2.96%
5.0
A+
December 31, 2025
$35M
3.20%
5.0
A+
September 30, 2025
$36M
1.76%
5.0
A+
June 30, 2025
$39M
2.86%
5.0
A+
March 31, 2025
$35M
2.15%
5.0
A+
December 31, 2024
$33M
2.63%
5.0
A+
September 30, 2024
$33M
1.48%
5.0
A+
June 30, 2024
$32M
0.26%
5.0
A+
March 31, 2024
$33M
0.53%
5.0
A+
December 31, 2023
$30M
2.63%
5.0
A+
September 30, 2023
$30M
5.49%
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 Audubon 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 Audubon 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 Audubon Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
582,008
Total Uninsured Shares and Deposits > $250K (F+J)
582,008
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,660,509
Total Interest Expense (Sum of items 6 8)
137,387
Share Certificates
471
Number of Accounts for Share Drafts
1,519
IRA KEOGH Accounts
56
Number of Accounts for Regular Shares
4,441
All other shares
169
Money Market Shares
26
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)
6,193,708
Total Liabilities
31,332,181
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Audubon Federal 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.
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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Audubon Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Audubon Federal Credit Union
Frequently Asked Questions About Audubon Federal Credit Union
Does Audubon Federal Credit Union offer CDs?
Yes. Audubon Federal Credit Union current CD rates include its 4-Year CD at 1.00% APY, its 3-Year CD at 0.80% APY and its 2-Year CD at 0.65% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Audubon Federal Credit Union NCUA insured?
Yes. Audubon Federal 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 Audubon Federal Credit Union?
The highest Audubon Federal Credit Union CD rate is its 4-Year CD at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Audubon Federal Credit Union offer?
Audubon Federal Credit Union CD rates are 0.50% APY for a 12 month CD, 0.55% APY for an 18 month CD, 0.65% APY for a 2 year CD, 0.80% APY for a 3 year CD and 1.00% APY for a 4 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 Audubon Federal Credit Union for its full lineup.
What is the highest savings rate at Audubon Federal Credit Union?
The highest Audubon Federal Credit Union savings rate is its Youth Savings at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Audubon Federal Credit Union?
The highest Audubon Federal Credit Union money market rate is its Money Market at 0.45% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Audubon Federal Credit Union?
The lowest Audubon Federal Credit Union auto loan rate is its New Vehicle Loan at 4.50% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Audubon Federal Credit Union?
The lowest Audubon Federal Credit Union personal loan rate is its Personal Loan at 10.25% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Audubon Federal Credit Union?
The lowest Audubon Federal Credit Union credit card APR is its Visa Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Audubon Federal Credit Union operate?
Audubon 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 Audubon Federal Credit Union?
Yes, to access services at Audubon 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, Audubon 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, Audubon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Audubon Federal Credit Union offer online and mobile banking?
Most modern institutions like Audubon 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://audubonfcu.net.
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 Audubon Federal Credit Union rates compare?
Audubon Federal Credit Union's CD rates are 76% lower than the MonitorBankRates national average, and it has an A+ health rating. Audubon Federal Credit Union's top rates are its 4-Year CD at 1.00% APY, its Youth Savings at 3.50% APY, its Money Market at 0.45% APY, its Share Draft at 1.00% APY, its Personal Loan at 10.25% APR and its Visa Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026.
Current Audubon Federal Credit Union Rates
12-Month CD0.50%
18-Month CD0.55%
24-Month CD0.65%
Savings3.50%
MMA0.45%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
