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Baxter 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 30, 2026
Baxter Credit Union's 15 Month New Money CD Specials - Regular rates are at 4.30%, 15 Month New Money CD Specials - Rewards rates are at 4.30%, 30 Month CD Specials - Rewards rates are at 4.15%, 5 Month New Money CD Specials - Regular rates are at 4.15%, 5 Month New Money CD Specials - Rewards rates are at 4.15%. Baxter Credit Union's savings rates are at 1.90%. Baxter Credit Union's money market rates are at 3.50%. Baxter Credit Union's checking rates are as high as 4.00%. Baxter Credit Union's Refinance Loan rates are at 4.64%, Medical Degree Refinance Loan rates are at 4.80%, 5/1 Adjustable-Rate Mortgage (ARM) rates are at 5.88%, 15 Year Fixed Rate Mortgage rates are at 6.38%, 20 Year Fixed Rate Mortgage rates are at 6.62%. Baxter Credit Union's Personal Loan Rates are as low as 6.49%. Baxter Credit Union's Credit Card Rates are at 14.25%. Baxter Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Baxter Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.31%. Rates last updated and verified on 10/30/2026.
Baxter 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 Baxter Credit Union? Share your experience about Baxter Credit Union by leaving a review below, or read customer reviews before you decide to use Baxter Credit Union.
Baxter Credit Union has earned an overall safety grade of A (Excellent, 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
Baxter 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
?
6.31%
ExcellentHigher than avg
Baxter Credit Union Texas Ratio
Baxter Credit Union's Texas Ratio is 6.31%, which is considered excellent and is higher than the national average of 6.13%.
Baxter 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.
5.22% to 6.31% 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.
Baxter Credit Union CD Rates
Product
Rate
APY
Term
View More
15 Month New Money CD Specials - Regular
4.22%
4.30%
15-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
15 Month New Money CD Specials - Rewards
4.22%
4.30%
15-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Month CD Specials - Rewards
4.07%
4.15%
30-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Month IRA CD Specials - Rewards
4.07%
4.15%
30-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
5 Month New Money CD Specials - Regular
4.07%
4.15%
5-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
5 Month New Money CD Specials - Rewards
4.07%
4.15%
5-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 30-month term
4.07%
4.15%
30-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
2 changes since Sep 27, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 3.89%
Oct 30, 20264.15%▲ from 3.89%
Oct 14, 20263.89%▼ from 4.00%
Sep 27, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA CD Specials 30-month term
4.07%
4.15%
30-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
Oct 19, 20264.15%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
22 Month CD Specials - Rewards
3.93%
4.00%
22-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 22-month term
3.93%
4.00%
22-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
2 changes since Sep 27, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.74%
Oct 30, 20264.00%▲ from 3.74%
Oct 14, 20263.74%▼ from 3.85%
Sep 27, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Month CD Specials - Regular
3.82%
3.89%
30-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.89% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Month IRA CD Specials - Regular
3.82%
3.89%
30-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.89% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
18 Month CD Specials - Regular
3.74%
3.80%
18-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
18 Month CD Specials - Rewards
3.74%
3.80%
18-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
3.74%
3.80%
18-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
3.74%
3.80%
18-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
22 Month CD Specials - Regular
3.68%
3.74%
22-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.74% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
11 Month CD Specials - Rewards
3.64%
3.70%
11-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
11 Month IRA CD Specials - Rewards
3.64%
3.70%
11-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
11-Month CD Special
-
3.70%
11 months
Min Deposit$500
DetailsEarn up to 3.70% APY; Special CD terms renew to a standard CD term of the same or next lowest term
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 19, 20263.70%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 11-month term
3.64%
3.70%
11-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
2 changes since Sep 27, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 30, 20263.70%▲ from 3.60%
Oct 14, 20263.60%▲ from 3.55%
Sep 27, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA CD Specials 11-month term
3.64%
3.70%
11-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 19, 20263.70%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
11 Month CD Specials - Regular
3.54%
3.60%
11-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
11 Month IRA CD Specials - Regular
3.54%
3.60%
11-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
7 Month No Penalty CD
3.25%
3.30%
7-month
DetailsRewards APY tier
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05%
Oct 19, 20263.30%▲ from 3.05%
Sep 14, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
No Penalty CD 7-month term - Rewards
3.25%
3.30%
7-month
No additional details.
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
7 Month No Penalty CD
3.15%
3.20%
7-month
DetailsRegular APY tier
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.20% ▲ 0.15 pts · high 3.20% / low 3.05%
Oct 19, 20263.20%▲ from 3.05%
Sep 14, 20263.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
13 Month No Penalty CD
3.11%
3.15%
13-month
DetailsRewards APY tier
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
No Penalty CD 13-month term - Rewards
3.11%
3.15%
13-month
No additional details.
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 3.15% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
60 Month Standard CDs - Rewards
3.06%
3.10%
60-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
60 Month Standard IRA CDs - Rewards
3.06%
3.10%
60-month
DetailsRewards APY column; Dividend Rate 3.06%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 60-month term
3.06%
3.10%
60-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 2.84% → 3.10% ▲ 0.26 pts · high 3.10% / low 2.84%
Oct 30, 20263.10%▲ from 2.84%
Oct 14, 20262.84%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 60-month term
3.06%
3.10%
60-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
48 Month Standard CDs - Rewards
2.86%
2.90%
48-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
48 Month Standard IRA CDs - Rewards
2.86%
2.90%
48-month
DetailsRewards APY column; Dividend Rate 2.86%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 48-month term
2.86%
2.90%
48-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 2.64% → 2.90% ▲ 0.26 pts · high 2.90% / low 2.64%
Oct 30, 20262.90%▲ from 2.64%
Oct 14, 20262.64%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 48-month term
2.86%
2.90%
48-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
13 Month No Penalty CD
2.86%
2.89%
13-month
DetailsRegular APY tier
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.89% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
60 Month Standard CDs - Regular
2.81%
2.84%
60-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
60 Month Standard IRA CDs - Regular
2.81%
2.84%
60-month
DetailsRegular APY column; Dividend Rate 2.81%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.84% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 60-month term
2.81%
2.84%
60-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 60-month term
2.81%
2.84%
60-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.84% ▼ 0.26 pts · high 3.10% / low 2.84%
Oct 30, 20262.84%▼ from 3.10%
Sep 14, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
36 Month Standard CDs - Rewards
2.72%
2.75%
36-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
36 Month Standard IRA CDs - Rewards
2.72%
2.75%
36-month
DetailsRewards APY column; Dividend Rate 2.72%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 36-month term
2.72%
2.75%
36-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 2.49% → 2.75% ▲ 0.26 pts · high 2.75% / low 2.49%
Oct 30, 20262.75%▲ from 2.49%
Oct 14, 20262.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 36-month term
2.72%
2.75%
36-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
48 Month Standard CDs - Regular
2.61%
2.64%
48-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
48 Month Standard IRA CDs - Regular
2.61%
2.64%
48-month
DetailsRegular APY column; Dividend Rate 2.61%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.64% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 48-month term
2.61%
2.64%
48-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 48-month term
2.61%
2.64%
48-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.64% ▼ 0.26 pts · high 2.90% / low 2.64%
Oct 30, 20262.64%▼ from 2.90%
Sep 14, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
24 Month Standard CDs - Rewards
2.57%
2.60%
24-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
24 Month Standard IRA CDs - Rewards
2.57%
2.60%
24-month
DetailsRewards APY column; Dividend Rate 2.57%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 24-month term
2.57%
2.60%
24-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 2.34% → 2.60% ▲ 0.26 pts · high 2.60% / low 2.34%
Oct 30, 20262.60%▲ from 2.34%
Oct 14, 20262.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 24-month term
2.57%
2.60%
24-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
36 Month Standard CDs - Regular
2.47%
2.49%
36-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
36 Month Standard IRA CDs - Regular
2.47%
2.49%
36-month
DetailsRegular APY column; Dividend Rate 2.47%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.49% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 36-month term
2.47%
2.49%
36-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 36-month term
2.47%
2.49%
36-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.49% ▼ 0.26 pts · high 2.75% / low 2.49%
Oct 30, 20262.49%▼ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
24 Month Standard CDs - Regular
2.32%
2.34%
24-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
24 Month Standard IRA CDs - Regular
2.32%
2.34%
24-month
DetailsRegular APY column; Dividend Rate 2.32%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.34% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 24-month term
2.32%
2.34%
24-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 24-month term
2.32%
2.34%
24-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.60% → 2.34% ▼ 0.26 pts · high 2.60% / low 2.34%
Oct 30, 20262.34%▼ from 2.60%
Sep 14, 20262.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
12 Month Standard CDs - Rewards
1.39%
1.40%
12-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
12 Month Standard IRA CDs - Rewards
1.39%
1.40%
12-month
DetailsRewards APY column; Dividend Rate 1.39%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 1.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 12-month term
1.39%
1.40%
12-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30%
Oct 30, 20261.40%▲ from 1.30%
Oct 14, 20261.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 12-month term
1.39%
1.40%
12-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
6 Month Standard CDs - Rewards
1.34%
1.35%
6-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 6-month term
1.34%
1.35%
6-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 1.25% → 1.35% ▲ 0.10 pts · high 1.35% / low 1.25%
Oct 30, 20261.35%▲ from 1.25%
Oct 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
12 Month Standard CDs - Regular
1.29%
1.30%
12-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
12 Month Standard IRA CDs - Regular
1.29%
1.30%
12-month
DetailsRegular APY column; Dividend Rate 1.29%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 1.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 12-month term
1.29%
1.30%
12-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard IRA CD 12-month term
1.29%
1.30%
12-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 1.40% → 1.30% ▼ 0.10 pts · high 1.40% / low 1.30%
Oct 30, 20261.30%▼ from 1.40%
Sep 14, 20261.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
6 Month Standard CDs - Regular
1.24%
1.25%
6-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 6-month term
1.24%
1.25%
6-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
0.60%
0.60%
3-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 3-month term
0.60%
0.60%
3-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
Oct 30, 20260.60%▲ from 0.50%
Oct 14, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
3 Month Standard CDs - Regular
0.50%
0.50%
3-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Standard CD 3-month term
0.50%
0.50%
3-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Savings Rates
Product
Rate
APY
View More
Rainy Day Savings
1.88%
1.90%
Min Balance$25,000
DetailsBalance: above $25,000 and up to $50,000
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 1.90% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Rainy Day Savings
1.39%
1.40%
Min Balance$0
DetailsBalance: up to $25,000
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Holiday Club Savings
0.01%
0.01%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Rainy Day Savings
0.01%
0.01%
Min Balance$50,000
DetailsBalance: remainder over $50,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Regular Savings
0.01%
0.01%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Special
3.45%
3.50%
Min Balance$15,000
DetailsBalance: $15,000+; Intro rate
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.50% ▲ 2.25 pts · high 3.50% / low 1.25%
Oct 10, 20263.50%▲ from 1.25%
Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Money Market Special
1.24%
1.25%
Min Balance$15,000
DetailsBalance: $15,000+
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Regular Money Market
0.30%
0.30%
Min Balance$500,000
DetailsBalance: $500,000 and above
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Regular Money Market
0.20%
0.20%
Min Balance$250,000
DetailsBalance: $250,000-$499,999
Last Updated10/30/2026
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: 6.31%
Regular Money Market
0.15%
0.15%
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA Money Market
0.10%
0.10%
Min Balance$1,000
DetailsBalance: $1,000 or greater
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Regular Money Market
0.10%
0.10%
Min Balance$25,000
DetailsBalance: $25,000-$99,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA Money Market
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 to $999
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Money Market Special
0.05%
0.05%
DetailsBalance: Less than $15,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Regular Money Market
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000-$24,999
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Checking Rates
Product
Rate
APY
View More
PowerPlus Checking - Level 2
3.93%
4.00%
Min Balance$0
DetailsBalance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
1 change since Oct 19, 2026 · 6.98% → 6.94% ▼ 0.04 pts · high 6.98% / low 6.94%
Oct 30, 20266.94%▼ from 6.98%
Oct 19, 20266.98%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Year Fixed Rate Mortgage
7.00%
-
7.00%
30 Year
DetailsAs Low As; Rates may include points.
Last Updated10/30/2026
Rate History
5 changes since Sep 14, 2026 · 6.88% → 7.00% ▲ 0.13 pts · high 7.25% / low 6.88%
Oct 26, 20267.00%▼ from 7.13%
Oct 14, 20267.13%▼ from 7.25%
Oct 1, 20267.25%▲ from 7.13%
Sep 27, 20267.13%▲ from 7.00%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Year Fixed
7.00%
1.000
7.14%
30 years
DetailsAs Low As; Payment: 6,653.02 (payment column not a rate)
Last Updated10/30/2026
Rate History
1 change since Sep 27, 2026 · 7.33% → 7.14% ▼ 0.19 pts · high 7.33% / low 7.14%
Oct 30, 20267.14%▼ from 7.33%
Sep 27, 20267.33%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
30 Year Fixed
7.00%
0.875
7.194%
30 years
DetailsAs Low As; Payment: 1,596.73
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 7.07% → 7.19% ▲ 0.13 pts · high 7.32% / low 7.07%
Oct 30, 20267.19%▼ from 7.32%
Oct 19, 20267.32%▲ from 7.07%
Sep 18, 20267.07%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Variable
-
-
6.75%
DetailsAs Low As; Home Equity
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00%
Sep 18, 20266.75%▲ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Home Equity Fixed
-
-
7.00%
DetailsAs Low As; Home Equity
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 18, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Buying Service
-
-
3.09%
DetailsAs Low As; Model Year: 2025 & Newer; Auto Loans
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 3.64% → 3.09% ▼ 0.55 pts · high 3.64% / low 2.89%
Oct 14, 20263.09%▲ from 2.89%
Sep 18, 20262.89%▼ from 3.64%
Sep 14, 20263.64%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Loan
-
-
3.84%
0 - 36 Months
DetailsAs Low As; Model Year: 2025 & Newer; Auto Loans
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 3.64% → 3.84% ▲ 0.20 pts · high 3.84% / low 3.64%
Oct 14, 20263.84%▲ from 3.64%
Sep 22, 20263.64%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Buying Service
-
-
4.09%
DetailsAs Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
Last Updated10/30/2026
Rate History
3 changes since Sep 14, 2026 · 3.64% → 4.09% ▲ 0.45 pts · high 4.09% / low 2.89%
Oct 14, 20264.09%▲ from 3.64%
Sep 22, 20263.64%▲ from 2.89%
Sep 18, 20262.89%▼ from 3.64%
Sep 14, 20263.64%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Loan
-
-
4.34%
37 - 75 Months
DetailsAs Low As; Model Year: 2025 & Newer; Auto Loans
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 4.14% → 4.34% ▲ 0.20 pts · high 4.34% / low 4.14%
Oct 14, 20264.34%▲ from 4.14%
Sep 22, 20264.14%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Loan
-
-
4.84%
0 - 36 Months
DetailsAs Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 4.64% → 4.84% ▲ 0.20 pts · high 4.84% / low 4.64%
Oct 14, 20264.84%▲ from 4.64%
Sep 22, 20264.64%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Loan
-
-
5.34%
37 - 75 Months
DetailsAs Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 5.14% → 5.34% ▲ 0.20 pts · high 5.34% / low 5.14%
Oct 14, 20265.34%▲ from 5.14%
Sep 22, 20265.14%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Loan
-
-
5.34%
76 - 84 Months
DetailsAs Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 5.14% → 5.34% ▲ 0.20 pts · high 5.34% / low 5.14%
Oct 14, 20265.34%▲ from 5.14%
Sep 22, 20265.14%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Auto Loan
-
-
6.34%
76 - 84 Months
DetailsAs Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older; 76-84 month term available for model years 2025 and newer only); Auto Loans
Last Updated10/30/2026
Rate History
1 change since Sep 22, 2026 · 6.14% → 6.34% ▲ 0.20 pts · high 6.34% / low 6.14%
Oct 14, 20266.34%▲ from 6.14%
Sep 22, 20266.14%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicle Loan
-
5.14%
0 - 36 Months
DetailsAs Low As; APR - 2025 & Newer
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 5.14% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicles Loan
-
5.14%
0 - 36 Months
DetailsAs Low As; Model Year: 2025 & Newer
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 4.94% → 5.14% ▲ 0.20 pts · high 5.14% / low 4.94%
Oct 10, 20265.14%▲ from 4.94%
Sep 18, 20264.94%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicle Loan
-
5.64%
37 - 75 Months
DetailsAs Low As; APR - 2025 & Newer
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 5.64% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicles Loan
-
5.64%
37 - 75 Months
DetailsAs Low As; Model Year: 2025 & Newer
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 5.44% → 5.64% ▲ 0.20 pts · high 5.64% / low 5.44%
Oct 10, 20265.64%▲ from 5.44%
Sep 18, 20265.44%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicle Loan
-
6.14%
0 - 36 Months
DetailsAs Low As; APR - 2023-2024; Please call for rates on model years 2022 or older
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 6.14% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicles Loan
-
6.14%
0 - 36 Months
DetailsAs Low As; Model Year: 2023-2024; Please call for rates on model years 2022 or older
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 5.94% → 6.14% ▲ 0.20 pts · high 6.14% / low 5.94%
Oct 10, 20266.14%▲ from 5.94%
Sep 18, 20265.94%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicle Loan
-
6.64%
37 - 75 Months
DetailsAs Low As; APR - 2023-2024; Please call for rates on model years 2022 or older
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 6.64% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicles Loan
-
6.64%
37 - 75 Months
DetailsAs Low As; Model Year: 2023-2024; Please call for rates on model years 2022 or older
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 6.44% → 6.64% ▲ 0.20 pts · high 6.64% / low 6.44%
Oct 10, 20266.64%▲ from 6.44%
Sep 18, 20266.44%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicles Loan
-
6.64%
76 - 84 Months
DetailsAs Low As; Model Year: 2025 & Newer; 76-84 month term available for model years 2025 and newer only
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 7.44% → 6.64% ▼ 0.80 pts · high 7.44% / low 6.64%
Oct 10, 20266.64%▼ from 7.44%
Sep 18, 20267.44%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicle Loan
-
7.64%
76 - 84 Months
DetailsAs Low As; APR - 2023-2024; Please call for rates on model years 2022 or older; 76-84 month term available for model years 2025 and newer only
Last Updated10/30/2026
Rate History
No change since Oct 30, 2026 · 7.64% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Recreational Vehicles Loan
-
7.64%
76 - 84 Months
DetailsAs Low As; Model Year: 2023-2024; 76-84 month term available for model years 2025 and newer only; Please call for rates on model years 2022 or older
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 7.44% → 7.64% ▲ 0.20 pts · high 7.64% / low 7.44%
Oct 10, 20267.64%▲ from 7.44%
Sep 18, 20267.44%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Medical Degree Refinance Loan
-
-
4.80%
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Business
-
14.25%
DetailsAPR range: 14.25% - 20.00%; Learn More
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 14.25% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
LAUNCH Visa
-
18.00%
No additional details.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 18.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
LAUNCHTM Visa
-
18.00%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Home Improvement Loan
6.49%
DetailsAs Low As; Unsecured Home Improvement Loans
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 6.49% ▼ 0.50 pts · high 6.99% / low 6.49%
Oct 10, 20266.49%▼ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Personal Loan
6.99%
DetailsAs Low As
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99%
Oct 10, 20266.99%▼ from 7.49%
Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Unsecured Home Improvement Line of Credit
7.75%
DetailsAs Low As; Unsecured Home Improvement Loans
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 7.75% ▼ 0.75 pts · high 8.50% / low 7.75%
Oct 10, 20267.75%▼ from 8.50%
Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Personal Line of Credit
8.74%
DetailsAs Low As
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 8.49% → 8.74% ▲ 0.25 pts · high 8.74% / low 8.49%
Oct 10, 20268.74%▲ from 8.49%
Sep 14, 20268.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Baxter Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Credit Builder Loan
-
-
4.50%
DetailsOther Loans
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Graduate Line of Credit
-
-
8.00%
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Student Refinance Loan
-
-
4.64%
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.64% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Undergraduate Line of Credit
-
-
8.00%
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 11-month term
3.54%
-
3.60%
11-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
1 change since Sep 27, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
Oct 14, 20263.60%▲ from 3.45%
Sep 27, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 18-month term
3.74%
-
3.80%
18-month
DetailsRewards APY
Last Updated10/30/2026
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
Oct 14, 20263.80%▲ from 3.65%
Sep 27, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 22-month term
3.68%
-
3.74%
22-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
1 change since Sep 27, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 14, 20263.74%▲ from 3.59%
Sep 27, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
CD Specials 30-month term
3.82%
-
3.89%
30-month
DetailsRegular APY
Last Updated10/30/2026
Rate History
1 change since Sep 27, 2026 · 3.74% → 3.89% ▲ 0.15 pts · high 3.89% / low 3.74%
Oct 14, 20263.89%▲ from 3.74%
Sep 27, 20263.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA CD Specials 11-month term
3.54%
-
3.60%
11-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
Oct 19, 20263.60%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA CD Specials 18-month term
3.74%
-
3.80%
18-month
DetailsIRA; Rewards APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
Oct 19, 20263.80%▲ from 3.65%
Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
IRA CD Specials 30-month term
3.82%
-
3.89%
30-month
DetailsIRA; Regular APY
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.89% ▼ 0.11 pts · high 4.00% / low 3.89%
Oct 19, 20263.89%▼ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
New Money CD Specials 15-month term
4.22%
-
4.30%
15-month
DetailsRewards APY; New money: funds deposited within last 30 days
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
Oct 10, 20264.30%▲ from 4.15%
Sep 14, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
New Money CD Specials 5-month term
4.07%
-
4.15%
5-month
DetailsRewards APY; New money: funds deposited within last 30 days
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
Oct 10, 20264.15%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.31%
Financial Health History
Baxter Credit Union’s Texas Ratio rose from 5.22% in Q3 2023 to 6.31% 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 and its Health Grade from A+ to A. 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
$6.4B
6.31%
5.0
A
March 31, 2026
$6.5B
6.20%
5.0
A
December 31, 2025
$6.3B
6.95%
5.0
A
September 30, 2025
$6.2B
7.04%
5.0
A
June 30, 2025
$6.2B
6.56%
5.0
A
March 31, 2025
$6.2B
6.19%
5.0
A
December 31, 2024
$6.0B
8.11%
5.0
A
September 30, 2024
$5.9B
7.50%
5.0
A
June 30, 2024
$5.9B
6.86%
5.0
A
March 31, 2024
$6.1B
6.60%
5.0
A
December 31, 2023
$5.9B
6.36%
5.0
A
September 30, 2023
$5.9B
5.22%
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 Baxter 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 Baxter 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 Baxter Credit Union's official website for the most current offers and terms.
Address
340 N Milwaukee Ave,
Vernon Hills, IL 60061-1533
Phone800-388-7000
Fax
PresidentMike Curran
CEOMichael Valentine
Full-Time Employees767
Part-Time Employees9
Branch Locations42
ATM Locations39
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.31%
Return on Assets (ROA)
0.3591%
Return on Equity (ROE)
3.5391%
Non-Performing Loans Ratio (NPL)
0.86%
Total Assets
6,402,324,439
Total Amount of Shares and Deposits
5,035,529,112
Total Shares and Deposits < 1 Year
4,459,733,591
Total Shares and Deposits 1 3 Years
421,647,973
Total Shares and Deposits > 3 Years
154,147,548
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
712,705,906
Total Uninsured Shares and Deposits > $250K (F+J)
762,789,938
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,272,739,174
Total Interest Expense (Sum of items 6 8)
84,389,398
Share Certificates
38,959
Number of Accounts for Share Drafts
291,380
IRA KEOGH Accounts
5,665
Number of Accounts for Regular Shares
638,570
All other shares
7
Non Member Deposits
137
Money Market Shares
39,212
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)
323,968,248
Total Liabilities
5,779,158,119
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Baxter 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
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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 Baxter Credit Union
Frequently Asked Questions About Baxter Credit Union
Does Baxter Credit Union offer CDs?
Yes. Baxter Credit Union current CD rates include its 15 Month New Money CD Specials - Regular at 4.30% APY, its 15 Month New Money CD Specials - Rewards at 4.30% APY and its 30 Month CD Specials - Rewards at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Baxter Credit Union NCUA insured?
Yes. Baxter 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 Baxter Credit Union?
The highest Baxter Credit Union CD rate is its 15 Month New Money CD Specials - Regular at 4.30% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Baxter Credit Union offer?
Baxter Credit Union CD rates are 4.15% APY for a 5 month CD, 1.30% APY for a 12 month CD, 4.30% APY for a 15 month CD, 3.80% APY for an 18 month CD, 2.34% APY for a 2 year CD, 4.15% APY for a 30 month CD and 2.84% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Baxter Credit Union for its full lineup.
What is the highest savings rate at Baxter Credit Union?
The highest Baxter Credit Union savings rate is its Rainy Day Savings at 1.90% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Baxter Credit Union?
The highest Baxter Credit Union money market rate is its Money Market Special at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Baxter Credit Union?
The highest Baxter Credit Union checking rate is its PowerPlus Checking - Level 2 at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at Baxter Credit Union?
The lowest Baxter Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate Mortgage at 7.00%, verified by MonitorBankRates as of October 30, 2026. Baxter Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.375% for a 15 year mortgage and 5.875% for a 1 year mortgage.
What is the lowest auto loan rate at Baxter Credit Union?
The lowest Baxter Credit Union auto loan rate is its Auto Buying Service at 3.09% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Baxter Credit Union?
The lowest Baxter Credit Union personal loan rate is its Unsecured Home Improvement Loan at 6.49% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at Baxter Credit Union?
The lowest Baxter Credit Union credit card APR is its Visa Business Credit Card at 14.25% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Baxter Credit Union operate?
Baxter 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 Baxter Credit Union?
Yes, to access services at Baxter 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, Baxter 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, Baxter Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Baxter Credit Union offer online and mobile banking?
Most modern institutions like Baxter 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.bcu.org.
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 Baxter Credit Union rates compare?
Baxter Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A health rating. Baxter Credit Union's top rates are its 15 Month New Money CD Specials - Regular at 4.30% APY, its Rainy Day Savings at 1.90% APY, its Money Market Special at 3.50% APY, its PowerPlus Checking - Level 2 at 4.00% APY, its Refinance Loan at 4.64%, its Unsecured Home Improvement Loan at 6.49% APR and its Visa Business Credit Card at 14.25% APR, verified by MonitorBankRates on October 30, 2026.
Current Baxter Credit Union Rates
12-Month CD1.30%
18-Month CD3.80%
24-Month CD2.34%
60-Month CD2.84%
Savings1.90%
MMA3.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
