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Blackhawk Community Credit Union Rates & Review September 2026

Blackhawk Community Credit Union's Jumbo Share or IRA CD - 5 Year rates are at 4.40%, Jumbo Share or IRA CD - 4 Year rates are at 4.30%, Jumbo Share or IRA CD - 3 Year rates are at 4.25%, Jumbo Share or IRA CD - 2 Year rates are at 4.20%, Jumbo Share or IRA CD - 12 Month rates are at 4.10%. Blackhawk Community Credit Union's savings rates are at 0.45%. Blackhawk Community Credit Union's Mortgage Loans rates are at 6.50%. Blackhawk Community Credit Union's Personal Loan Rates are as low as 10.91%. Blackhawk Community Credit Union's Credit Card Rates are at 11.75%. MonitorBankRates evaluates the financial stability of Blackhawk Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.99%. Rates last updated and verified on 09/22/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.99%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Blackhawk Community Credit Union
Main - Court St
2640 W Court St
Janesville, WI 53548
https://www.bhccu.org
Member NCUA

Blackhawk Community Credit Union CD Rates

Product Rate APY Term View More
Jumbo Share or IRA Certificate - 5 Year 4.33% 4.40% 5 Year
Min Balance $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 4 Year 4.23% 4.30% 4 Year
Min Balance $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 3 Year 4.18% 4.25% 3 Year
Min Balance $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 2 Year 4.14% 4.20% 2 Year
Min Balance $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 12 Month 4.04% 4.10% 12 Month
Min Balance $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 18 Month 4.04% 4.10% 18 Month
Min Balance $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 6 Month 3.94% 4.00% 6 Month
Min Balance $10,000
Details No IRA Available
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Jumbo Share or IRA Certificate - 3 Month 3.84% 3.90% 3 Month
Min Balance $10,000
Details No IRA Available
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 5 Year 3.84% 3.90% 5 Year
Min Deposit $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 4 Year 3.75% 3.80% 4 Year
Min Deposit $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 3 Year 3.70% 3.75% 3 Year
Min Deposit $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 2 Year 3.65% 3.70% 2 Year
Min Deposit $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 12 Month 3.55% 3.60% 12 Month
Min Deposit $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 18 Month 3.55% 3.60% 18 Month
Min Deposit $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 6 Month 3.46% 3.50% 6 Month
Min Deposit $1,000
Details No IRA Available
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Share or IRA Certificate - 3 Month 3.36% 3.40% 3 Month
Min Deposit $1,000
Details No IRA Available
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Smart Saver Certificate - 12 Month 1.95% 1.96% 12 Month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Savings Rates

Product Rate APY View More
Money Maker Savings 1.00% 1.00%
Min Balance $1,000
Details Balance: $1,000; Age: 13 to 17 Years Old
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Christmas Club 0.50% 0.50%
Min Balance $5
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Money Maker Savings 0.50% 0.50%
Min Balance $5
Details Balance: $5; Age: 13 to 17 Years Old
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Money Minder Youth Savings 0.50% 0.50%
Min Balance $5
Details 12 Years Old And Under
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Vacation Club 0.50% 0.50%
Min Balance $5
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Primary Savings 0.45% 0.45%
Min Balance $5
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Secondary Savings 0.45% 0.45%
Min Balance $5
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Checking Rates

Product Rate APY View More
Premier Checking 3.93% 4.00%
Min Balance $200,000
Details Qualifications Met*; Balance: $200,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Premier Checking 3.69% 3.75%
Min Balance $100,000
Details Qualifications Met*; Balance: $100,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Premier Checking 3.20% 3.25%
Min Balance $50,000
Details Qualifications Met*; Balance: $50,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Premier Checking 2.72% 2.75%
Min Balance $10,000
Details Qualifications Met*; Balance: $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Premier Checking 1.74% 1.75%
Min Balance $1,000
Details Qualifications Met*; Balance: $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Premier Checking 0.50% 0.50%
Min Balance $10,000
Details Qualifications Not Met*; Balance: $10,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Business Checking 0.03% 0.03%
Min Balance $1,000
Details Balance: $1,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Hawks Checking 0.03% 0.03%
Details 18 Years Old And Under
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Legacy Checking 0.03% 0.03%
Min Balance $500
Details Balance: $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Organization Checking 0.03% 0.03%
Min Balance $500
Details Balance: $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage Loans - - 6.50% 15 yr fixed
Details Rates are subject to change. See rates page for additional details
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed Rate Loan - - 6.01%
Details As low as; Up to 80% loan to value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Home Equity Fixed Rate Loan - - 7.51%
Details As low as; Up to 90% loan to value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.39%
Details Rates are subject to change.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Cars, Trucks and Motorcycles Loan - - 5.39% Up to 84 months
Details Our Lowest Auto Loan Rate; As low as 5.39
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicles Loan - 8.49% Up to 84 months
Details Our Lowest Recreational Vehicle Rate
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Credit Card Rates

Product Rate APR View More
Great Rate Credit Card - 11.75%
Details Published APR range: 11.75% - 17.75%. This APR will vary with the market based on the Prime Rate* and credit history.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Local First Credit Card - 11.75%
Details Published APR range: 11.75% - 17.75%. Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers. This APR will vary with the market based on the Prime Rate* and credit history.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
REWARD$ Credit Card - 12.75%
Details Published APR range: 12.75% - 20.75%. Intro rate expires: 12 months; Regular APR: 12.75% - 20.75%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Business Credit Card - 12.95%
Details Published APR range: 12.95% - 14.95%. This APR will vary with the with the market based on the Prime Rate* and credit history.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 10.91% Up to 60 months
Details Our Lowest Signature Loan Rate; As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Blackhawk Community Credit Union Other Rates

Product Rate Points APY/APR Term View More
Variable Rate IRA 0.50% - 0.50%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%
Wealth Builder 1.44% - 1.45%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.99%

Financial Health History

Blackhawk Community Credit Union’s Texas Ratio fell from 2.63% in Q2 2023 to 1.99% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.1% 2.0★ 2.3% 3.0★ 3.4% 4.0★ 4.5% 5.0★ Healthy zone – entire history below the 15% limit 2.63% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.99% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$932M1.99%5.0A+
December 31, 2025$911M3.37%5.0A+
September 30, 2025$906M3.18%5.0A+
June 30, 2025$902M3.22%5.0A+
March 31, 2025$887M2.17%5.0A+
December 31, 2024$867M2.36%5.0A+
September 30, 2024$861M2.79%5.0A+
June 30, 2024$845M2.13%5.0A+
March 31, 2024$828M2.04%5.0A+
December 31, 2023$814M2.93%5.0A+
September 30, 2023$797M2.73%5.0A+
June 30, 2023$794M2.63%5.0A+
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 Blackhawk Community 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 Blackhawk Community 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 Blackhawk Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Blackhawk Community Credit Union
Address 2640 W Court St, Janesville, WI 53548
Phone 608-755-6065
Fax 608-755-6119
President Eric Entringer
CEO Lisa Palma
Full-Time Employees 181
Part-Time Employees 33
Branch Locations 10
ATM Locations 13
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.99%
Return on Assets (ROA)
0.0560%
Return on Equity (ROE)
0.5167%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
931,718,872
Total Amount of Shares and Deposits
828,511,762
Total Shares and Deposits < 1 Year
783,539,930
Total Shares and Deposits 1 3 Years
40,659,205
Total Shares and Deposits > 3 Years
4,312,626
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,833,010
Total Uninsured Shares and Deposits > $250K (F+J)
28,833,010
Total Insured Shares and Deposits > $250K (item 17 less item K)
799,678,752
Total Interest Expense (Sum of items 6 8)
2,870,654
Share Certificates
6,626
Number of Accounts for Share Drafts
30,861
IRA KEOGH Accounts
1,397
Number of Accounts for Regular Shares
64,190
Money Market Shares
256
Net Income (unless the amount is already included in Undivided Earnings)
521,695
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)
315,712,162
Total Liabilities
834,713,067
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Blackhawk Community 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/blackhawk-community-credit-union-rates-review-66998">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Blackhawk Community Credit Union

How many branches does Blackhawk Community Credit Union operate?

Blackhawk Community 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 Blackhawk Community Credit Union?

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

Does Blackhawk Community Credit Union offer online and mobile banking?

Most modern institutions like Blackhawk Community 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.bhccu.org.

Current Blackhawk Community Credit Union Rates

  • 12-Month CD1.96%
  • 18-Month CD3.60%
  • 24-Month CD3.70%
  • 60-Month CD3.90%
  • Savings0.45%
Retrieved from our database of financial products. Rates subject to change.