What are the current interest rates at Avista Corp Credit Union?

Current rates for Avista Corp Credit Union include: 12-Month CD: 3.65%, Savings: 2.10%

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Avista Corp Credit Union

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Avista Corp Credit Union Rates & Review September 2026

Q: How many branches does Avista Corp Credit Union operate?

Avista Corp 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.

Q: Is a member application needed to join Avista Corp Credit Union?

Yes, to access services at Avista Corp Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Avista Corp 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: September 22, 2026

Avista Corp Credit Union's 12 month 1-year CD (New) rates are at 3.65%. Avista Corp Credit Union's savings rates are at 2.10%. Avista Corp Credit Union's Auto Loan Rates are as low as 3.92%. MonitorBankRates evaluates the financial stability of Avista Corp Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.08%. Rates last updated and verified on 09/22/2026.

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

Ranked #25 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.08%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Avista Corp Credit Union
Avista Corp Credit Unions

1411 E Mission Ave
Spokane, WA 99202-1902

https://avistacu.com

Avista Corp Credit Union CD Rates

Product	Rate	APY	Term	View More
12 month 1-year CD (New)	-	3.65%	12 Months
Details 1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Avista Corp Credit Union Savings Rates

Product	Rate	APY	View More
General Savings	-	2.10%
Min Balance $5 Details Minimum $5.00 balance requirement for open and active account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Avista Corp Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
1-year CD (Auto Renewing)	3.92%	-	3.92%	12 Months
Details 1 year Certificate of Deposit (Penalty will or may be imposed for early withdrawal of funds). This rate applies to existing CDs at Avista CU that automatically renew/rollover for an additional 1-year term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Avista Corp Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
ATV & Toy Loans	-	6.49%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

Avista Corp Credit Union Other Rates

Product	Rate	Points	APY/APR
Debit	-	-	0.15%
Min Deposit $5 Details General Debit Card (Minimum $5.00 balance requirement to open account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
General Debit Card	-	-	0.15%
Min Deposit $5 Details Minimum $5.00 balance requirement to open account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%
Share	-	-	2.10%
Min Balance $5 Details General Savings account (Minimum $5.00 balance requirement for open and active account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.08%

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

Avista Corp Credit Union’s Texas Ratio stayed near 0.11% in Q2 2023 to 0.08% in Q1 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
March 31, 2026	$72M	0.08%	5.0	A+
December 31, 2025	$71M	0.10%	5.0	A+
September 30, 2025	$70M	0.09%	5.0	A+
June 30, 2025	$69M	0.11%	5.0	A+
March 31, 2025	$70M	0.12%	5.0	A+
December 31, 2024	$67M	0.22%	5.0	A+
September 30, 2024	$65M	0.25%	5.0	A+
June 30, 2024	$65M	0.00%	5.0	A+
March 31, 2024	$66M	0.17%	5.0	A+
December 31, 2023	$66M	0.00%	5.0	A+
September 30, 2023	$67M	0.05%	5.0	A+
June 30, 2023	$70M	0.11%	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 Avista Corp 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 Avista Corp 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 Avista Corp Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Avista Corp Credit Union

Website https://avistacu.com

Address 1411 E Mission Ave, Spokane, WA 99202-1902

Phone 509-495-2000

Fax 509-495-8026

President Marcus Garbarino

CEO Christopher Jentges

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.08%

Return on Assets (ROA)

0.1115%

Return on Equity (ROE)

0.6189%

Non-Performing Loans Ratio (NPL)

0.02%

Total Assets

71,946,266

Total Amount of Shares and Deposits

58,792,084

Total Shares and Deposits < 1 Year

58,792,084

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

58,792,084

Total Interest Expense (Sum of items 6 8)

417,372

Share Certificates

602

Number of Accounts for Share Drafts

1,383

Number of Accounts for Regular Shares

4,032

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)

7,136,589

Total Liabilities

58,981,917

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Avista Corp Credit Union earned the Top 100 Healthiest 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/avista-corp-credit-union-rates-review-68284">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #25 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Avista Corp Credit Union

How many branches does Avista Corp Credit Union operate?

Avista Corp 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 Avista Corp Credit Union?

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

Does Avista Corp Credit Union offer online and mobile banking?

Most modern institutions like Avista Corp 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://avistacu.com.