|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Austin Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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
Austin Federal Credit Union's savings rates are at 0.50%. Austin Federal Credit Union's checking rates are as high as 1.00%. Austin Federal Credit Union's Personal Loan Rates are as low as 9.90%. Austin Federal Credit Union's Credit Card Rates are at 15.90%. MonitorBankRates evaluates the financial stability of Austin Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.28%. Rates last updated and verified on 10/29/2026. Austin 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 Austin Federal Credit Union? Share your experience about Austin Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Austin Federal Credit Union. 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. Austin Federal Credit Union Savings Rates
Austin Federal Credit Union Checking Rates
Austin Federal Credit Union Home Equity & HELOC
Austin Federal Credit Union Auto Loan Rates
Austin Federal Credit Union Credit Card Rates
Austin Federal Credit Union Personal Loan Rates
Austin Federal Credit Union Other Rates
Financial Health HistoryAustin Federal Credit Union’s Texas Ratio fell from 10.54% in Q3 2023 to 6.28% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Austin 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 Austin 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 Austin Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Austin Federal Credit Union
Website
https://www.austinfcu.com
Address
1900 Woodward St,
Austin, TX 78741
Phone
512-444-6419
Fax
512-444-6474
President
Marvin Krabbenhoft
CEO
Melinda Bayer
Full-Time Employees
10
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.28%
Return on Assets (ROA)
0.2807%
Return on Equity (ROE)
3.0347%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
38,434,906
Total Amount of Shares and Deposits
34,646,861
Total Shares and Deposits < 1 Year
34,646,860
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,669,142
Total Uninsured Shares and Deposits > $250K (F+J)
1,669,142
Total Insured Shares and Deposits > $250K (item 17 less item K)
32,977,719
Total Interest Expense (Sum of items 6 8)
10,331
Share Certificates
3
Number of Accounts for Share Drafts
1,651
IRA KEOGH Accounts
35
Number of Accounts for Regular Shares
2,790
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)
2,242,820
Total Liabilities
34,880,192
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Austin Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Austin Federal Credit Union
Frequently Asked Questions About Austin Federal Credit UnionWhat is the highest savings rate at Austin Federal Credit Union?The highest Austin Federal Credit Union savings rate is its Step-Up Savings at 0.50% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Austin Federal Credit Union?The highest Austin Federal Credit Union checking rate is its Performance Checking at 1.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Austin Federal Credit Union?The lowest Austin Federal Credit Union auto loan rate is its Used Vehicle Loan at 3.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Austin Federal Credit Union?The lowest Austin Federal Credit Union personal loan rate is its Personal Loans at 9.90% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Austin Federal Credit Union?The lowest Austin Federal Credit Union credit card APR is its Secured Credit Card at 15.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Austin Federal Credit Union operate?Austin 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 Austin Federal Credit Union?Yes, to access services at Austin 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, Austin 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, Austin Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Austin Federal Credit Union offer online and mobile banking?Most modern institutions like Austin 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.austinfcu.com. 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 Austin Federal Credit Union rates compare?Austin Federal Credit Union's top rates are its Step-Up Savings at 0.50% APY, its Performance Checking at 1.00% APY, its Personal Loans at 9.90% APR and its Secured Credit Card at 15.90% APR, verified by MonitorBankRates on October 29, 2026. Current Austin Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Black Hills Credit Union
Encompass Niagara Federal Credit Union
Community Focus Federal Credit Union
Downeast Credit Union
Walton County Teachers Federal Credit Union
CASE Credit Union
Nashville Post Office Credit Union
Yonkers Teachers Federal Credit Union
Poly Scientific Employees Federal Credit Union
Texas Trust Credit Union
Badger Globe Credit Union
Star Tech Credit Union
Hartford Firefighters Federal Credit Union
Southern Middlesex Co Tchrs Credit Union
Valex Federal Credit Union
St Louis Policemen`s Credit Union
Otoe-Missouria Federal Credit Union
Old Hickory Credit Union
Agriculture Federal Credit Union
Pioneer Mutual Federal Credit Union
McPherson Co-op Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
