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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cardinal Credit Union Inc Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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
Cardinal Credit Union Inc's 12 Month CD rates are at 4.25%, 6 Month CD rates are at 4.10%, 4 Month-Promotional CD rates are at 3.90%, 18 Month CD rates are at 2.50%, 9 Month CD rates are at 2.50%. Cardinal Credit Union Inc's savings rates are at 1.50%. Cardinal Credit Union Inc's checking rates are as high as 1.00%. Cardinal Credit Union Inc's Purchase 10 Year First Mortgage rates are at 6.50%, Refinance 10 Year First Mortgage rates are at 6.50%, Purchase 20 Year First Mortgage rates are at 6.75%, Refinance 20 Year First Mortgage rates are at 6.75%, Purchase 15 Year First Mortgage rates are at 6.70%. Cardinal Credit Union Inc's Personal Loan Rates are as low as 10.99%. Cardinal Credit Union Inc's CD rates are 8% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Cardinal Credit Union Inc with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.72%. Rates last updated and verified on 10/30/2026. Cardinal Credit Union Inc 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 Cardinal Credit Union Inc? Share your experience about Cardinal Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Cardinal Credit Union Inc. 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. Cardinal Credit Union Inc CD Rates
Cardinal Credit Union Inc Savings Rates
Cardinal Credit Union Inc Money Market Rates
Cardinal Credit Union Inc Checking Rates
Cardinal Credit Union Inc Mortgage Rates
Cardinal Credit Union Inc Home Equity & HELOC
Cardinal Credit Union Inc Auto Loan Rates
Cardinal Credit Union Inc RV, Boat and Powersport Loan Rates
Cardinal Credit Union Inc Personal Loan Rates
Financial Health HistoryCardinal Credit Union Inc’s Texas Ratio rose from 1.95% in Q3 2023 to 7.72% 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cardinal Credit Union Inc 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 Cardinal Credit Union Inc 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 Cardinal Credit Union Inc's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cardinal Credit Union Inc
Website
https://www.cardinalcu.com
Address
8500 Westport Dr,
Mentor, OH 44060
Phone
440-266-2200
Fax
440-266-2299
President
Sandy Hamo
CEO
Christine Blake
Full-Time Employees
69
Part-Time Employees
7
Branch Locations
13
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.72%
Return on Assets (ROA)
0.1599%
Return on Equity (ROE)
1.5989%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
365,676,306
Total Amount of Shares and Deposits
325,556,953
Total Shares and Deposits < 1 Year
321,670,816
Total Shares and Deposits 1 3 Years
3,427,194
Total Shares and Deposits > 3 Years
458,943
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,881,483
Total Uninsured Shares and Deposits > $250K (F+J)
10,881,483
Total Insured Shares and Deposits > $250K (item 17 less item K)
314,675,470
Total Interest Expense (Sum of items 6 8)
2,519,976
Share Certificates
3,732
Number of Accounts for Share Drafts
12,950
IRA KEOGH Accounts
518
Number of Accounts for Regular Shares
26,246
All other shares
79
Non Member Deposits
20
Money Market Shares
877
Net Income (unless the amount is already included in Undivided Earnings)
584,637
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)
28,616,618
Total Liabilities
331,286,864
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Cardinal Credit Union Inc
Frequently Asked Questions About Cardinal Credit Union IncDoes Cardinal Credit Union Inc offer CDs?Yes. Cardinal Credit Union Inc current CD rates include its 12 Month CD at 4.25% APY, its 6 Month CD at 4.10% APY and its 4 Month-Promotional CD at 3.90% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Cardinal Credit Union Inc NCUA insured?Yes. Cardinal Credit Union Inc 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 Cardinal Credit Union Inc?The highest Cardinal Credit Union Inc CD rate is its 12 Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Cardinal Credit Union Inc offer?Cardinal Credit Union Inc CD rates are 3.90% APY for a 4 month CD, 4.10% APY for a 6 month CD, 2.50% APY for a 9 month CD, 4.25% APY for a 12 month CD, 2.50% APY for an 18 month CD, 2.25% APY for a 2 year CD and 2.25% 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 Cardinal Credit Union Inc for its full lineup. What is the highest savings rate at Cardinal Credit Union Inc?The highest Cardinal Credit Union Inc savings rate is its Individual Retirement Savings Account (IRA) at 0.20% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Cardinal Credit Union Inc?The highest Cardinal Credit Union Inc money market rate is its Platinum Money Market Savings Account at 1.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Cardinal Credit Union Inc?The highest Cardinal Credit Union Inc checking rate is its Premier Plus Checking at 1.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at Cardinal Credit Union Inc?The lowest Cardinal Credit Union Inc mortgage rate is its Purchase 10 Year First Mortgage at 6.50%, verified by MonitorBankRates as of October 30, 2026. Cardinal Credit Union Inc mortgage rates are 7.20% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.70% for a 15 year mortgage and 6.50% for a 10 year mortgage. What is the lowest auto loan rate at Cardinal Credit Union Inc?The lowest Cardinal Credit Union Inc auto loan rate is its New Auto/Truck 2025- 2026 at 5.24%, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Cardinal Credit Union Inc?The lowest Cardinal Credit Union Inc personal loan rate is its Unsecured Loan at 10.99%, verified by MonitorBankRates as of October 30, 2026. How many branches does Cardinal Credit Union Inc operate?Cardinal Credit Union Inc 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 Cardinal Credit Union Inc?Yes, to access services at Cardinal Credit Union Inc, 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, Cardinal Credit Union Inc 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, Cardinal Credit Union Inc provides members with tools to manage their accounts and build a solid financial history. Does Cardinal Credit Union Inc offer online and mobile banking?Most modern institutions like Cardinal Credit Union Inc 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.cardinalcu.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 Cardinal Credit Union Inc rates compare?Cardinal Credit Union Inc's CD rates are 8% lower than the MonitorBankRates national average, and it has an A health rating. Cardinal Credit Union Inc's top rates are its 12 Month CD at 4.25% APY, its Platinum Money Market Savings Account at 1.50% APY, its Premier Plus Checking at 1.00% APY, its Purchase 10 Year First Mortgage at 6.50% and its Unsecured Loan at 10.99% APR, verified by MonitorBankRates on October 30, 2026. Current Cardinal Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
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