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Cedar Falls Community Credit Union

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Cedar Falls Community Credit Union Rates & Review November 2026

Q: What are the current interest rates at Cedar Falls Community Credit Union?

Current rates for Cedar Falls Community Credit Union include: 12-Month CD: 4.30%, 18-Month CD: 4.20%, 24-Month CD: 4.25%, 60-Month CD: 2.75%, Savings: 0.40%, MMA: 3.50%

Q: What CD terms does Cedar Falls Community Credit Union offer?

Cedar Falls Community Credit Union CD rates are 4.15% APY for a 6 month CD, 4.30% APY for a 12 month CD, 4.20% APY for an 18 month CD, 4.25% APY for a 2 year CD, 3.65% APY for a 3 year CD and 2.75% 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 Cedar Falls Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Cedar Falls Community Credit Union's 12 Month CD rates are at 4.30%, 24 Month CD rates are at 4.25%, 18 Month CD rates are at 4.20%, 6 Month CD rates are at 4.15%, 36 Month CD rates are at 3.65%. Cedar Falls Community Credit Union's savings rates are at 0.40%. Cedar Falls Community Credit Union's money market rates are at 3.50%. Cedar Falls Community Credit Union's checking rates are as high as 0.05%. Cedar Falls Community Credit Union's Mortgage Loan - 5-Year Balloon rates are at 6.75%, Mortgage Loan - 1 Year Construction Loan rates are at 6.88%, Mortgage Loan - 7-Year Balloon rates are at 7.00%, Mortgage Loan - 10-Year Balloon rates are at 7.25%. Cedar Falls Community Credit Union's Auto Loan Rates are as low as 4.95%. Cedar Falls Community Credit Union's Credit Card Rates are at 9.00%. Cedar Falls Community Credit Union's CD rates are 42% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cedar Falls Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.82%. Rates last updated and verified on 10/29/2026.

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

3.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cedar Falls Community Credit Union
Main Office

123 W 4th St
Cedar Falls, IA 50613-2831

https://www.cfccu.org

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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.

Cedar Falls Community Credit Union CD Rates

Product	Rate	APY	Term
12 Month JUMBO Certificate	4.329%	4.40%	12 months
Min Balance $100,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25% Oct 29, 20264.40%▲ from 4.25% Sep 22, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
24 Month JUMBO Certificate	4.281%	4.35%	24 months
Min Balance $100,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30% Oct 29, 20264.35%▲ from 4.30% Sep 22, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Share Certificate	4.232%	4.30%	12 months
Min Balance $1,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15% Oct 29, 20264.30%▲ from 4.15% Sep 22, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18 Month JUMBO Certificate	4.233%	4.30%	18 months
Min Balance $100,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
24 Month Share Certificate	4.184%	4.25%	24 months
Min Balance $1,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Oct 29, 20264.25%▲ from 4.20% Sep 22, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month JUMBO Certificate	4.184%	4.25%	6 months
Min Balance $100,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18 Month Share Certificate	4.136%	4.20%	18 months
Min Balance $1,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Share Certificate	4.087%	4.15%	6 months
Min Balance $1,000 Details Limited Time Special; Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Youth Certificate	3.941%	4.00%	3 months
Min Balance $100 Details 3 Month Add-On; Only available for members under age 18; Member may add to certificate balance at any time; $30,000 maximum; Penalty for Early Withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Youth Certificate - 3 Month Add-On	3.941%	4.00%	3 Month
Min Balance $100 Details Only available for members under age 18; member may add to certificate balance at any time; $100 min, $30,000 max; Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
36 Month JUMBO Certificate	3.699%	3.75%	36 months
Min Balance $100,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
36 Month Share Certificate	3.602%	3.65%	36 months
Min Balance $1,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
30 Month JUMBO Certificate	2.82%	2.85%	30 months
Min Balance $100,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
41 Month JUMBO Certificate	2.82%	2.85%	41 months
Min Balance $100,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
60 Month JUMBO Certificate	2.82%	2.85%	60 months
Min Balance $100,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
30 Month Share Certificate	2.722%	2.75%	30 months
Min Balance $1,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
41 Month Share Certificate	2.722%	2.75%	41 months
Min Balance $1,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
60 Month Share Certificate	2.722%	2.75%	60 months
Min Balance $1,000 Details Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.40%	0.40%
Min Balance $100 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Education IRA Shares	0.25%	0.25%
Min Balance $100 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Shares	0.25%	0.25%
Min Balance $100 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Roth IRA Shares	0.25%	0.25%
Min Balance $100 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Share Plus	0.25%	0.25%
Min Balance $50 Details Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Christmas Club	0.20%	0.20%
Min Balance $5 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Secondary Savings	0.20%	0.20%
Min Balance $100 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Vacation Club	0.20%	0.20%
Min Balance $5 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Share Savings	0.10%	0.10%
Min Balance $100 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Money Market Rates

Product	Rate	APY
Super Money Market	3.45%	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000 and over; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Super Money Market	3.35%	3.40%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Super Money Market	3.26%	3.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Super Money Market	3.16%	3.20%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Super Money Market	3.06%	3.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Super Money Market	2.96%	3.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Super Money Market	1.49%	1.50%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (Checking)	0.05%	0.05%
Min Balance $500 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loan - 5-Year Balloon	-	-	6.75%	5-Year
Details As Low As; Single-family owner-occupied purchase or refinance; Conventional rates based on credit scores of 620 and above; Balloon loans have an initial fixed-rate period, then the rate can reset at maturity; Rates subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Mortgage Loan - 1 Year Construction Loan	-	-	6.875%	1 Year
Details As Low As; Single-family owner-occupied purchase or refinance; Rates subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Mortgage Loan - 7-Year Balloon	-	-	7.00%	7-Year
Details As Low As; Single-family owner-occupied purchase or refinance; Conventional rates based on credit scores of 620 and above; Balloon loans have an initial fixed-rate period, then the rate can reset at maturity; Rates subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Mortgage Loan - 10-Year Balloon	-	-	7.25%	10-Year
Details As Low As; Single-family owner-occupied purchase or refinance; Conventional rates based on credit scores of 620 and above; Balloon loans have an initial fixed-rate period, then the rate can reset at maturity; Rates subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.95%	48 months
Details As Low As; Model Year: 2024 & newer; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 4.95% ▲ 0.11 pts · high 4.95% / low 4.84% Oct 9, 20264.95%▲ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
New Vehicle Loan	-	-	5.05%	60 months
Details As Low As; Model Year: 2024 & newer; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.94% → 5.05% ▲ 0.11 pts · high 5.05% / low 4.94% Oct 9, 20265.05%▲ from 4.94% Sep 14, 20264.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.05%	48 months
Details As Low As; Model Year: 2023; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
New Vehicle Loan	-	-	5.15%	66 months
Details As Low As; Model Year: 2024 & newer; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.04% → 5.15% ▲ 0.11 pts · high 5.15% / low 5.04% Oct 9, 20265.15%▲ from 5.04% Sep 22, 20265.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
New Vehicle Loan	-	-	5.15%	72 months
Details As Low As; Model Year: 2024 & newer; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 5.04% → 5.15% ▲ 0.11 pts · high 5.15% / low 5.04% Oct 9, 20265.15%▲ from 5.04% Sep 22, 20265.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.15%	60 months
Details As Low As; Model Year: 2023; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.15%	48 months
Details As Low As; Model Year: 2022; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
New Vehicle Loan	-	-	5.25%	84 months
Details As Low As; Model Year: 2024 & newer; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.14% → 5.25% ▲ 0.11 pts · high 5.25% / low 5.14% Oct 9, 20265.25%▲ from 5.14% Sep 14, 20265.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.25%	66 months
Details As Low As; Model Year: 2023; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.25%	72 months
Details As Low As; Model Year: 2023; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.25%	60 months
Details As Low As; Model Year: 2022; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.25%	48 months
Details As Low As; Model Year: 2021; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.35%	66 months
Details As Low As; Model Year: 2022; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.35%	72 months
Details As Low As; Model Year: 2022; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.35%	60 months
Details As Low As; Model Year: 2021; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.35%	48 months
Details As Low As; Model Year: 2020; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.45%	60 months
Details As Low As; Model Year: 2020; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.45%	48 months
Details As Low As; Model Year: 2019; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.55%	60 months
Details As Low As; Model Year: 2019; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.55%	36 months
Details As Low As; Model Year: 2018; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.65%	48 months
Details As Low As; Model Year: 2018; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.65%	36 months
Details As Low As; Model Year: 2017; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	5.75%	48 months
Details As Low As; Model Year: 2017; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	7.70%	36 months
Details As Low As; Model Year: 2016 and Older; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Used Vehicle Loan	-	-	7.75%	48 months
Details As Low As; Model Year: 2016 and Older; APR is a variable rate and subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Credit Card Rates

Product	Rate	APR
Classic Credit Card	-	9.00%
Details For Qualified Members; Variable APR (currently 9.00%), subject to change without notice; Rate = Prime Rate + 2%; No Annual Fee; No Cash Advance Fee; No Balance Transfer Fees; 25-day grace period on purchases; Foreign Transaction Fee = 1% of each foreign transaction in U.S. Dollars Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 10.00% / low 8.75% Oct 19, 20269.00%▼ from 10.00% Oct 13, 202610.00%▲ from 9.00% Oct 1, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Platinum Credit Card	-	9.90%
Details For Qualified Members; No Annual Fee; No Cash Advance Fee; No Balance Transfer Fees; 25-day grace period on purchases; Foreign Transaction Fee = 1% of each foreign transaction in U.S. Dollars Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Gold Credit Card	-	11.90%
Details For Qualified Members; No Annual Fee; No Cash Advance Fee; No Balance Transfer Fees; 25-day grace period on purchases; Foreign Transaction Fee = 1% of each foreign transaction in U.S. Dollars Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Cedar Falls Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan Special	-	-	6.50%	12-month
Details As Low As; Borrow up to $5,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
DID Account	0.25%	-	0.25%
Min Balance $50 Details Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Youth Account	0.20%	-	0.20%
Min Balance $5 Details Dividends compounded quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

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

Cedar Falls Community Credit Union’s Texas Ratio rose from 1.99% in Q3 2023 to 3.82% 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$252M	3.82%	5.0	A+
March 31, 2026	$243M	3.61%	5.0	A+
December 31, 2025	$234M	3.84%	5.0	A+
September 30, 2025	$229M	3.61%	5.0	A+
June 30, 2025	$223M	3.72%	5.0	A+
March 31, 2025	$218M	3.88%	5.0	A+
December 31, 2024	$212M	4.94%	5.0	A+
September 30, 2024	$205M	2.99%	5.0	A+
June 30, 2024	$203M	2.00%	5.0	A+
March 31, 2024	$203M	2.75%	5.0	A+
December 31, 2023	$192M	2.78%	5.0	A+
September 30, 2023	$189M	1.99%	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 Cedar Falls 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 Cedar Falls 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 Cedar Falls Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cedar Falls Community Credit Union

Website https://www.cfccu.org

Address 123 W 4th St, Cedar Falls, IA 50613-2831

Phone 319-266-7531

Fax 319-266-8543

President Becky Riehm

CEO Chad Kaeppel

Full-Time Employees 27

Part-Time Employees 5

Branch Locations 3

ATM Locations 3

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

3.82%

Return on Assets (ROA)

0.5995%

Return on Equity (ROE)

3.7770%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

251,709,858

Total Amount of Shares and Deposits

209,646,263

Total Shares and Deposits < 1 Year

193,823,343

Total Shares and Deposits 1 3 Years

15,792,293

Total Shares and Deposits > 3 Years

30,627

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

26,437,619

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

26,437,619

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

183,208,644

Total Interest Expense (Sum of items 6 8)

2,466,642

Share Certificates

2,810

Number of Accounts for Share Drafts

5,853

IRA KEOGH Accounts

547

Number of Accounts for Regular Shares

10,565

All other shares

Money Market Shares

1,812

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

1,509,073

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)

22,346,637

Total Liabilities

211,465,825

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Cedar Falls 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.

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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 Cedar Falls Community Credit Union

Does Cedar Falls Community Credit Union offer CDs?

Yes. Cedar Falls Community Credit Union current CD rates include its 12 Month CD at 4.30% APY, its 24 Month CD at 4.25% APY and its 18 Month CD at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Cedar Falls Community Credit Union NCUA insured?

Yes. Cedar Falls Community 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 Cedar Falls Community Credit Union?

The highest Cedar Falls Community Credit Union CD rate is its 12 Month JUMBO CD at 4.40% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Cedar Falls Community Credit Union offer?

Cedar Falls Community Credit Union CD rates are 4.15% APY for a 6 month CD, 4.30% APY for a 12 month CD, 4.20% APY for an 18 month CD, 4.25% APY for a 2 year CD, 3.65% APY for a 3 year CD and 2.75% 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 Cedar Falls Community Credit Union for its full lineup.

What is the highest savings rate at Cedar Falls Community Credit Union?

The highest Cedar Falls Community Credit Union savings rate is its Health Savings Account at 0.40% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Cedar Falls Community Credit Union?

The highest Cedar Falls Community Credit Union money market rate is its Super Money Market at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Cedar Falls Community Credit Union?

The highest Cedar Falls Community Credit Union checking rate is its Share Draft (Checking) at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Cedar Falls Community Credit Union?

The lowest Cedar Falls Community Credit Union mortgage rate is its Mortgage Loan - 5-Year Balloon at 6.75% APR, verified by MonitorBankRates as of October 29, 2026. Cedar Falls Community Credit Union mortgage rates are 7.25% APR for a 10 year mortgage, 7.00% APR for a 7 year mortgage, 6.75% APR for a 5 year mortgage and 6.875% APR for a 1 year mortgage.

What is the lowest auto loan rate at Cedar Falls Community Credit Union?

The lowest Cedar Falls Community Credit Union auto loan rate is its New Vehicle Loan at 4.95% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Cedar Falls Community Credit Union?

The lowest Cedar Falls Community Credit Union credit card APR is its Classic Credit Card at 9.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Cedar Falls Community Credit Union operate?

Cedar Falls 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 Cedar Falls Community Credit Union?

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

Does Cedar Falls Community Credit Union offer online and mobile banking?

Most modern institutions like Cedar Falls 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.cfccu.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 Cedar Falls Community Credit Union rates compare?

Cedar Falls Community Credit Union's CD rates are 42% higher than the MonitorBankRates national average, and it has an A+ health rating. Cedar Falls Community Credit Union's top rates are its 12 Month JUMBO CD at 4.40% APY, its Health Savings Account at 0.40% APY, its Super Money Market at 3.50% APY, its Share Draft (Checking) at 0.05% APY, its Mortgage Loan - 5-Year Balloon at 6.75%, its New Vehicle Loan at 4.95% APR and its Classic Credit Card at 9.00% APR, verified by MonitorBankRates on October 29, 2026.

Current Cedar Falls Community Credit Union Rates

12-Month CD4.30%
18-Month CD4.20%
24-Month CD4.25%
60-Month CD2.75%
Savings0.40%
MMA3.50%

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

Compare to Other Credit Unions

Cedar Falls Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cedar Falls Community Credit Union Texas Ratio

Cedar Falls Community Credit Union Health Trend

Cedar Falls Community Credit Union CD Rates

Cedar Falls Community Credit Union Savings Rates

Cedar Falls Community Credit Union Money Market Rates

Cedar Falls Community Credit Union Checking Rates

Cedar Falls Community Credit Union Mortgage Rates

Cedar Falls Community Credit Union Auto Loan Rates

Cedar Falls Community Credit Union Credit Card Rates

Cedar Falls Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cedar Falls Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cedar Falls Community Credit Union

Does Cedar Falls Community Credit Union offer CDs?

Are CDs from Cedar Falls Community Credit Union NCUA insured?

What is the highest CD rate at Cedar Falls Community Credit Union?

What CD terms does Cedar Falls Community Credit Union offer?

What is the highest savings rate at Cedar Falls Community Credit Union?

What is the highest money market rate at Cedar Falls Community Credit Union?

What is the highest checking rate at Cedar Falls Community Credit Union?

What is the lowest mortgage rate at Cedar Falls Community Credit Union?

What is the lowest auto loan rate at Cedar Falls Community Credit Union?

What is the lowest credit card APR at Cedar Falls Community Credit Union?

How many branches does Cedar Falls Community Credit Union operate?

Is a member application needed to join Cedar Falls Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cedar Falls Community 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 Cedar Falls Community Credit Union rates compare?

Current Cedar Falls Community Credit Union Rates

Compare to Other Credit Unions