What are the current interest rates at Autotruck Financial Credit Union?

Current rates for Autotruck Financial Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 3.50%, 24-Month CD: 3.29%, 60-Month CD: 3.50%, Savings: 0.50%, MMA: 2.53%

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Autotruck Financial Credit Union

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Autotruck Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Autotruck Financial 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

Autotruck Financial Credit Union's top rates as of October 10, 2026 are 4.06% APY on its 6 Month CD Accounts - Regular Accounts, 0.50% APY on savings, 2.53% APY on money market accounts, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Autotruck Financial Credit Union CD rates include 12 Month CD Accounts - Regular Accounts at 3.85%, 18 Month CD Accounts - Regular Accounts at 3.50%, and 48 Month CD Accounts - Regular Accounts at 3.50%. MonitorBankRates evaluates the financial stability of Autotruck Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.55%. Rates last updated and verified on 10/10/2026.

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

3.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Autotruck Financial Credit Union
Main Office

7651 Jefferson Green Way
Louisville, KY 40219

https://www.autotruckfcu.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.

Autotruck Financial Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificate Accounts - Regular Accounts	4.00%	4.06%	6 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
12 Month Share Certificate Accounts - Regular Accounts	3.80%	3.85%	12 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
18 Month Share Certificate Accounts - Regular Accounts	3.45%	3.50%	18 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
48 Month Share Certificate Accounts - Regular Accounts	3.45%	3.50%	48 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
60 Month Share Certificate Accounts - Regular Accounts	3.45%	3.50%	60 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
24 Month Share Certificate Accounts - Regular Accounts	3.25%	3.29%	24 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
36 Month Share Certificate Accounts - Regular Accounts	3.25%	3.29%	36 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
42 Month Share Certificate Accounts - Regular Accounts	3.25%	3.29%	42 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.29% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
30 Month Share Certificate Accounts - Regular Accounts	3.20%	3.24%	30 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.24% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
3 Month Share Certificate Accounts - Regular Accounts	1.25%	1.26%	3 Month
Min Balance $500 Details Minimum Balance Required to Earn the Stated APY Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Autotruck Financial Credit Union Savings Rates

Product	Rate	APY
IRA Shares & Education Savings	0.50%	0.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Vacation, Christmas, Special, Insurance, Kids and Teen Savings	0.15%	0.15%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Autotruck Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market	1.60%	1.61%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market	1.40%	1.41%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market	1.20%	1.21%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Money Market	1.10%	1.11%
Min Balance $2,500 Details Balance: $2,500-$24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Autotruck Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature/Unsecured Loan	9.99%	up to 60 months
Details Payment Example: $106.21 (based on $5,000) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

Autotruck Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New 2025-2027 models < 20,000 miles Loan	-	-	4.49%	24 months
Details As Low As; Payment Example: $436.43 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2025-2027 models < 20,000 miles Loan	-	-	4.49%	36 months
Details As Low As; Payment Example: $297.42 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2025-2027 models < 20,000 miles Loan	-	-	4.49%	48 months
Details As Low As; Payment Example: $227.99 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2025-2027 models < 20,000 miles Loan	-	-	4.49%	60 months
Details As Low As; Payment Example: $186.38 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2025-2027 models < 20,000 miles Loan	-	-	4.99%	72 months
Details As Low As; Payment Example: $322.01 (based on $20,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2026-2027 models Loan	-	-	6.49%	60 months
Details Payment Example: $195.61 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2026-2027 models Loan	-	-	7.74%	2027 months
Details Payment Example: $239.92 (based on $20,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
New 2026-2027 models Loan	-	-	7.99%	2027 months
Details Payment Example: $270.48 (based on $25,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2024 models Loan	-	-	4.99%	24 months
Details As Low As; Payment Example: $438.67 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2024 models Loan	-	-	4.99%	36 months
Details As Low As; Payment Example: $299.66 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2024 models Loan	-	-	4.99%	48 months
Details As Low As; Payment Example: $230.25 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2024 models Loan	-	-	4.99%	60 months
Details As Low As; Payment Example: $188.67 (based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2024 models Loan	-	-	5.49%	72 months
Details As Low As; Payment Example: $326.66 (based on $20,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2025 models Loan	-	-	7.74%	60 months
Details Payment Example: $201.52 based on $10,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2025 models Loan	-	-	8.99%	2025 months
Details Payment Example: $253.24 (based on $20,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Used 2020-2025 models Loan	-	-	9.24%	2025 months
Details Payment Example: $287.90 (based on $25,000) Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%
Prime Shares	0.15%	-	0.15%
Min Balance $100 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.55%

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

Autotruck Financial Credit Union’s Texas Ratio stayed near 3.71% in Q3 2023 to 3.55% 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	$220M	3.55%	5.0	A+
March 31, 2026	$219M	4.48%	5.0	A+
December 31, 2025	$210M	3.85%	5.0	A+
September 30, 2025	$205M	3.18%	5.0	A+
June 30, 2025	$206M	3.47%	5.0	A+
March 31, 2025	$208M	2.40%	5.0	A+
December 31, 2024	$193M	4.27%	5.0	A+
September 30, 2024	$196M	4.46%	5.0	A+
June 30, 2024	$199M	3.51%	5.0	A+
March 31, 2024	$200M	3.31%	5.0	A+
December 31, 2023	$185M	3.98%	5.0	A+
September 30, 2023	$186M	3.71%	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 Autotruck Financial 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 Autotruck Financial 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 Autotruck Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Autotruck Financial Credit Union

Website https://www.autotruckfcu.org

Address 7651 Jefferson Green Way, Louisville, KY 40219

Phone 502-459-8981

Fax 502-458-0371

President Steven Stone

CEO Jason Pendleton

Full-Time Employees 41

Part-Time Employees 3

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.55%

Return on Assets (ROA)

0.2945%

Return on Equity (ROE)

2.2572%

Non-Performing Loans Ratio (NPL)

1.22%

Total Assets

220,357,286

Total Amount of Shares and Deposits

189,565,949

Total Shares and Deposits < 1 Year

187,345,297

Total Shares and Deposits 1 3 Years

2,024,662

Total Shares and Deposits > 3 Years

195,989

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

8,682,839

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

8,682,839

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

180,883,110

Total Interest Expense (Sum of items 6 8)

1,116,764

Share Certificates

1,093

Number of Accounts for Share Drafts

11,780

IRA KEOGH Accounts

314

Number of Accounts for Regular Shares

20,340

Money Market Shares

1,681

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)

36,224,612

Total Liabilities

191,639,267

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Autotruck Financial 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.

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

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Frequently Asked Questions About Autotruck Financial Credit Union

How many branches does Autotruck Financial Credit Union operate?

Autotruck Financial 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 Autotruck Financial Credit Union?

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

Does Autotruck Financial Credit Union offer online and mobile banking?

Most modern institutions like Autotruck Financial 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.autotruckfcu.org.