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Azura Credit Union

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Azura Credit Union Rates & Review November 2026

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

Current rates for Azura Credit Union include: 12-Month CD: 4.25%, 24-Month CD: 4.25%, 60-Month CD: 4.25%, Savings: 0.50%, MMA: 2.53%

Q: What CD terms does Azura Credit Union offer?

Azura Credit Union CD rates are 4.25% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% 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 Azura Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Azura Credit Union's CD - 12 month rates are at 4.25%, CD - 24 month rates are at 4.25%, CD - 36 month rates are at 4.25%, CD - 48 month rates are at 4.25%, CD - 60 month rates are at 4.25%. Azura Credit Union's savings rates are at 0.50%. Azura Credit Union's money market rates are at 2.53%. Azura Credit Union's checking rates are as high as 4.07%. Azura Credit Union's RV, Boat and Powersport Loan Rates are as low as 9.15%. Azura Credit Union's Credit Card Rates are at 10.25%. Azura Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Azura Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.29%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 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

4.29%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Azura Credit Union
10th Street Office

610 SW 10th Ave
Topeka, KS 66612

https://www.azuracu.com

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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.

Azura Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate - 12 month	4.17%	4.25%	12 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 90 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Certificate - 24 month	4.17%	4.25%	24 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 180 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Certificate - 36 month	4.17%	4.25%	36 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 180 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Certificate - 48 month	4.17%	4.25%	48 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 365 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Certificate - 60 month	4.17%	4.25%	60 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 365 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 12 month	4.17%	4.25%	12 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 90 days dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 24 month	4.17%	4.25%	24 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 180 days dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 36 month	4.17%	4.25%	36 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 180 days dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 48 month	4.17%	4.25%	48 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 365 days dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 60 month	4.17%	4.25%	60 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 365 days dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Certificate - 14 month Special	3.82%	3.89%	14 month
Min Deposit $500 Details Limited time offer; Automatically renews at a standard 12 month term upon maturity; $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 180 days dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.89% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 14 month Special	3.82%	3.89%	14 month
Min Deposit $500 Details Limited time offer; $500 minimum to open Share Certificate; Automatically renews at a standard 12 month term upon maturity; Early withdrawal penalty: 180 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Certificate - 6 month	2.00%	2.02%	6 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds eligible; Early withdrawal penalty: 90 days dividends Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Certificate - 6 month	2.00%	2.02%	6 month
Min Deposit $500 Details $500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 90 days dividends Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificates - 12 Month	4.17%	4.25%	12 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53% Oct 13, 20264.25%▲ from 2.53% Sep 22, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Certificates - 24 Month	4.17%	4.25%	24 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04% Oct 13, 20264.25%▲ from 3.04% Sep 22, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Certificates - 36 Month	4.17%	4.25%	36 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45% Oct 13, 20264.25%▲ from 3.45% Sep 22, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Certificates - 48 Month	4.17%	4.25%	48 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56% Oct 13, 20264.25%▲ from 3.56% Sep 22, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Certificates - 60 Month	4.17%	4.25%	60 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66% Oct 13, 20264.25%▲ from 3.66% Sep 22, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Certificates - 14 Month Special	3.82%	3.89%	14 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; limited time offer; automatically renews at a standard 12 month term upon maturity; penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.89% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Certificates - 6 Month	2.00%	2.02%	6 Month
Min Deposit $500 Details Share Certificate; $500 minimum to open; penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Savings Rates

Product	Rate	APY
IRA Share Account	1.00%	1.01%
Min Balance $100 Details Balances over $100 earn dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Health Savings Account (HSA) Share Account	0.50%	0.50%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Savings Account	0.30%	0.30%
Details Rate may change after the account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.30%	0.30%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.30%	1.31%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	1.10%	1.11%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0.00-999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.50%	2.53%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	1.60%	1.61%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	1.00%	1.01%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	0.80%	0.80%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0.00-$9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Checking Rates

Product	Rate	APY
Beyond Checking	4.00%	4.07%
Min Deposit $25 Details Qualifications Required; Qualifying balance up to $15,000.00; Bonus rate requirements per qualification cycle; Minimum $25 initial deposit to open Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 4.07% ▲ 3.97 pts · high 4.07% / low 0.10% Oct 13, 20264.07%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Above Checking	-	0.15%
Min Deposit $25 Min Balance $100 Details Balance: over $100; Keep at least $500 in this account to waive the $5 monthly fee; Minimum $25 initial deposit to open Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Forward Checking	0.15%	0.15%
Details Earns dividends if balance is greater than $100 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Year Fixed	6.25%	-	6.47%	5 Year
Details Home Equity Loans - Fixed Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.47% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Loan - 10 Year Fixed	6.75%	-	6.87%	10 Year
Details Home Equity Loans - Fixed Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.87% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Line of Credit (HELOC) - Variable Rate	-	-	7.00%
Details Loan to Value: Up to 80%; APR equal to prime; WSJ Prime based, subject to change; maximum APR 21%; $500.00 minimum advances Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Loan - 15 Year Fixed	7.25%	-	7.34%	15 Year
Details Home Equity Loans - Fixed Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Line of Credit (HELOC) - Variable Rate	-	-	9.00%
Details Loan to Value: Over 80.1% - 100%; APR equal to prime +2%; WSJ Prime based, subject to change; maximum APR 21%; $500.00 minimum advances Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle	5.24%	-	5.45%	60 months
Details As Low As; Model Year: 2021 & Newer; Rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Auto & Motorcycle	5.24%	-	5.49%	48 months
Details As Low As; Model Year: 2020 & Older; Rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Auto & Motorcycle	5.74%	-	5.92%	72 months
Details As Low As; Model Year: 2021 & Newer; Rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.92% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Auto & Motorcycle	5.74%	-	5.95%	60 months
Details As Low As; Model Year: 2020 & Older; Rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Auto & Motorcycle	6.49%	-	6.64%	84 months
Details As Low As; Model Year: 2021 & Newer; Rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Auto & Motorcycle	6.49%	-	6.67%	72 months
Details As Low As; Model Year: 2020 & Older; Rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.67% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & RV Loans	8.49%	8.61%	up to 84 months
Details As Low As; Model Year: 2021 & Newer; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.61% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans	8.49%	8.63%	up to 72 months
Details As Low As; Model Year: 2016 & Older; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	8.99%	9.15%	60 months
Details As Low As; Model Year: 2021 & Newer; Best Rate column; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans	9.49%	9.55%	up to 180 months
Details As Low As; Model Year: 2021 & Newer; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans	9.49%	9.57%	up to 144 months
Details As Low As; Model Year: 2016 to 2020; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.57% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.49%	9.65%	60 months
Details As Low As; Model Year: 2020 & Older; Best Rate column; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans	9.99%	10.08%	up to 120 months
Details As Low As; Model Year: 2016 & Older; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.08% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Credit Card Rates

Product	Rate	APR
Standard Visa	-	10.25%
Details As Low As; Competitive rate as low as 10.25% APR; Variable rate; Same low rate for purchases, balance transfers and cash advances; No annual fee; No balance transfer fee; No cash-back fee Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 10.25% → 10.25% ▼ 0.00 pts · high 12.25% / low 10.25% Oct 9, 202610.25%▼ from 12.25% Sep 22, 202612.25%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Visa Standard Credit Card	-	10.25%
Details Regular APR: 10.25%; Annual Percentage Rate is variable and subject to change with the market based on the Prime Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Rewards Visa	-	12.25%
Details As Low As; Competitive rate as low as 12.25% APR; Variable rate; Earns cash back; Bonus cash offer $200; Same low rate for purchases, balance transfers and cash advances Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 12.25% → 12.25% ▼ 0.00 pts · high 12.25% / low 10.25% Oct 26, 202612.25%▲ from 10.25% Sep 22, 202610.25%▼ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Visa Rewards Credit Card	-	12.25%
Details As Low As; Rewards Visa Credit Card - Variable Rate; variable APR based on Prime Rate; Azura Rewards cardholders eligible for uChoose Rewards Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Visa Credit Card	-	13.24%
Details Standard Rate; Subject to credit approval; APR is variable and based on the Prime Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Personal Loan Rates

Product	APR	Term
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.15%	60 months
Details As Low As; Model Year: 2021 & Newer; Best Rate column; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.65%	60 months
Details As Low As; Model Year: 2020 & Older; Best Rate column; Rate and term are subject to credit approval and qualified collateral. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Personal Loan	16.33%	Up to 60 months
Details As Low As; Best Rate 15.99%; rate and term subject to credit approval and qualified collateral Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 16.33% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans - Custom Construction	9.50%	-	9.89%
Details LTV: up to 85%; APR as low as 9.89% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Land Loans - 10 Years	8.50%	-	9.11%	10 Years
Details As Low As; LTV: up to 75% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Land Loans - 15 Years	9.50%	-	9.96%	15 Years
Details As Low As; LTV: up to 75% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.96% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Land Loans - 5 Years	7.50%	-	8.62%	5 Years
Details As Low As; LTV: up to 75% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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

Azura Credit Union’s Texas Ratio fell from 4.89% in Q3 2023 to 4.29% 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; 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)

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	$852M	4.29%	5.0	A+
March 31, 2026	$852M	4.93%	5.0	A+
December 31, 2025	$830M	4.74%	5.0	A+
September 30, 2025	$824M	3.53%	5.0	A+
June 30, 2025	$827M	6.37%	5.0	A
March 31, 2025	$828M	7.39%	5.0	A
December 31, 2024	$808M	6.88%	5.0	A
September 30, 2024	$830M	5.67%	5.0	A+
June 30, 2024	$822M	5.66%	5.0	A+
March 31, 2024	$826M	4.97%	5.0	A+
December 31, 2023	$784M	5.41%	5.0	A+
September 30, 2023	$766M	4.89%	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 Azura 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 Azura 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 Azura Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Azura Credit Union

Website https://www.azuracu.com

Address 610 SW 10th Ave, Topeka, KS 66612

Phone 785-233-5556

Fax 785-233-4850

President Bradford Deiter

CEO Greg Winkler

Full-Time Employees 186

Part-Time Employees 4

Branch Locations 11

ATM Locations 15

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

4.29%

Return on Assets (ROA)

0.2764%

Return on Equity (ROE)

2.6881%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

851,874,246

Total Amount of Shares and Deposits

744,596,494

Total Shares and Deposits < 1 Year

681,908,658

Total Shares and Deposits 1 3 Years

57,998,913

Total Shares and Deposits > 3 Years

4,688,923

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

32,909,509

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

32,909,509

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

711,686,985

Total Interest Expense (Sum of items 6 8)

6,777,611

Share Certificates

7,203

Number of Accounts for Share Drafts

35,007

IRA KEOGH Accounts

3,018

Number of Accounts for Regular Shares

70,454

Money Market Shares

2,791

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

2,354,184

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)

75,436,224

Total Liabilities

764,497,853

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Azura 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.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Azura Credit Union

Does Azura Credit Union offer CDs?

Yes. Azura Credit Union current CD rates include its CD - 12 month at 4.25% APY, its CD - 24 month at 4.25% APY and its CD - 36 month at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Azura Credit Union NCUA insured?

Yes. Azura 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 Azura Credit Union?

The highest Azura Credit Union CD rate is its Business CDs - 12 Month at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Azura Credit Union offer?

Azura Credit Union CD rates are 4.25% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% 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 Azura Credit Union for its full lineup.

What is the highest savings rate at Azura Credit Union?

The highest Azura Credit Union savings rate is its Health Savings Account (HSA) Share Account at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Azura Credit Union money market rate is its Business Money Market at 2.53% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Azura Credit Union?

The highest Azura Credit Union checking rate is its Beyond Checking at 4.07% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Azura Credit Union auto loan rate is its Auto & Motorcycle at 5.24%, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Azura Credit Union personal loan rate is its ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan at 8.99%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Azura Credit Union?

The lowest Azura Credit Union credit card APR is its Standard Visa Credit Card at 10.25% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Azura Credit Union operate?

Azura 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 Azura Credit Union?

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

Does Azura Credit Union offer online and mobile banking?

Most modern institutions like Azura 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.azuracu.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 Azura Credit Union rates compare?

Azura Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Azura Credit Union's top rates are its Business CDs - 12 Month at 4.25% APY, its Health Savings Account (HSA) Share Account at 0.50% APY, its Business Money Market at 2.53% APY, its Beyond Checking at 4.07% APY, its ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan at 9.15% APR and its Standard Visa Credit Card at 10.25% APR, verified by MonitorBankRates on October 29, 2026.

Current Azura Credit Union Rates

12-Month CD4.25%
24-Month CD4.25%
60-Month CD4.25%
Savings0.50%
MMA2.53%

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

Compare to Other Credit Unions

Azura Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Azura Credit Union Texas Ratio

Azura Credit Union Health Trend

Azura Credit Union CD Rates

Azura Credit Union Business CD Rates

Azura Credit Union Savings Rates

Azura Credit Union Business Savings Rates

Azura Credit Union Money Market Rates

Azura Credit Union Business Money Market Rates

Azura Credit Union Checking Rates

Azura Credit Union Home Equity & HELOC

Azura Credit Union Auto Loan Rates

Azura Credit Union RV, Boat and Powersport Loan Rates

Azura Credit Union Credit Card Rates

Azura Credit Union Personal Loan Rates

Azura Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Azura Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Azura Credit Union

Does Azura Credit Union offer CDs?

Are CDs from Azura Credit Union NCUA insured?

What is the highest CD rate at Azura Credit Union?

What CD terms does Azura Credit Union offer?

What is the highest savings rate at Azura Credit Union?

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

What is the highest checking rate at Azura Credit Union?

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

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

What is the lowest credit card APR at Azura Credit Union?

How many branches does Azura Credit Union operate?

Is a member application needed to join Azura Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Azura 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 Azura Credit Union rates compare?

Current Azura Credit Union Rates

Compare to Other Credit Unions