What are the current interest rates at Central Willamette Credit Union?

Current rates for Central Willamette Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.60%, 24-Month CD: 2.45%, 60-Month CD: 3.00%, MMA: 1.10%

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Central Willamette Credit Union

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Central Willamette Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Willamette Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Central Willamette Credit Union's top rates as of October 9, 2026 are 4.16% APY on its Flex 12 CDx (Consumer, IRA, & Business) 12 month CD, 1.10% APY on money market accounts, 1.00% APY on checking, rv, boat and powersport loans from 8.99% APR, and credit cards from 10.49% APR, according to rates verified by MonitorBankRates. Other Central Willamette Credit Union CD rates include Flex 12 CDx (Consumer, IRA, & Business) 12 month at 4.16%, Flex 12 CDx (Consumer, IRA, & Business) 12 month at 4.16%, and 12-Month Flex12 CDx at 4.16%. MonitorBankRates evaluates the financial stability of Central Willamette Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.79%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Willamette Credit Union
WHQ / Admin Offices

7101 Supra Dr SW
Albany, OR 97321

https://www.centralwcu.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.

Central Willamette Credit Union CD Rates

Product	Rate	APY	Term
12-Month Flex12 CDx	-	4.16%	12-Month
Min Deposit $750 Details Market-Linked Rates: Our competitive rates are based on the 3-Month Treasury Bill rate, updated quarterly to help you keep pace with market changes.; Flexibility: Easily add to your savings with incremental deposits of $2500 or more at any time. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75% Oct 9, 20264.16%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 60 month	2.96%	3.00%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 60 month	2.96%	3.00%	60 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 60 month	2.96%	3.00%	60 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 48 month	2.86%	2.90%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 48 month	2.86%	2.90%	48 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 48 month	2.86%	2.90%	48 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 36 month	2.76%	2.80%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 36 month	2.76%	2.80%	36 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 36 month	2.76%	2.80%	36 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 24 month	2.67%	2.70%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 24 month	2.67%	2.70%	24 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 24 month	2.67%	2.70%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 18 month	2.57%	2.60%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 18 month	2.57%	2.60%	18 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 18 month	2.57%	2.60%	18 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 12 month	2.47%	2.50%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 12 month	2.47%	2.50%	12 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 12 month	2.47%	2.50%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Bump Certificates 24 month	2.42%	2.45%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Bump Certificates 24 month	2.42%	2.45%	24 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Bump Certificates 24 month	2.42%	2.45%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Bump Certificates 12 month	2.23%	2.25%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Bump Certificates 12 month	2.23%	2.25%	12 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Bump Certificates 12 month	2.23%	2.25%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 6 month	1.24%	1.25%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 6 month	1.24%	1.25%	6 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Certificates/IRA Certificates 6 month	1.24%	1.25%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Business CD Rates

Product	Rate	APY	Term
Flex 12 CDx (Consumer, IRA, & Business) 12 month	4.08%	4.16%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $24,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75% Oct 9, 20264.16%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Flex 12 CDx (Consumer, IRA, & Business) 12 month	4.08%	4.16%	12 Months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75% Oct 9, 20264.16%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Flex 12 CDx (Consumer, IRA, & Business) 12 month	4.08%	4.16%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: >$100,000; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.16% ▲ 0.41 pts · high 4.16% / low 3.75% Oct 9, 20264.16%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	-	1.10%
Min Balance $1,000 Details Balance: $1,000.01 - $5,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Choice Money Market	-	1.05%
Min Balance $100,000 Details Balance: $100,000.00 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Choice Money Market	-	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Choice Money Market	-	0.95%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Choice Money Market	-	0.85%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Money Market Plus	-	0.80%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Money Market Plus	-	0.12%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Choice Money Market	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details $0.00 - $9,999.99; Balance: $0.00 - $9,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.04% → 0.10% ▼ 0.94 pts · high 1.04% / low 0.10% Sep 18, 20260.10%▼ from 1.04% Sep 14, 20261.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Money Market Plus	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details $50,000.01 - $100,000.00; Balance: $50,000.01 - $100,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Money Market Plus	-	0.07%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Money Market Plus	-	0.05%
Min Balance $250,000 Details Balance: $250,000.01 and greater Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Business Money Market Rates

Product	Rate	APY
Business Cannabis Choice Money Market	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Business Choice Money Market	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $9,999.99; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Business Money Market Plus	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $50,000.01- $100,000.00; Interest Compounded & Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Checking Rates

Product	Rate	APY	View More
Premier Choice Checking	-	1.00%
Min Balance $15,000 Details Qualifications Required: 15 cleared debit card transactions per month; Enroll in e-statements for convenient and secure access to your account information; Have at least 1 direct deposit or ACH auto withdrawal per month Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Business Checking Rates

Product	Rate	APY
Business Cannabis Premier Interest Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,500 Details Balance: $.00 - $1,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Premier Interest Business Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,500 Details Balance: $ .00 - $1,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed For Five Years	-	-	6.75%
Details Published APR range: 6.75% - 10.00%. Periodic Rate Range: 0.018493% to 0.027397% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Home Equity Plus Line - Variable Rate Terms	-	-	7.00%
Details Published APR range: 7.00% - 9.00%. Periodic Rate Range: 0.019178% to 0.024658% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 29, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Home Equity Loan	-	-	7.25%	Up to 240 Months
Details Published APR range: 7.25% - 10.25%. Periodic Rate Range: 0.019863% to 0.028082% Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Home Equity Plus Line - Fixed Rate Terms	-	-	7.25%
Details Published APR range: 7.25% - 10.00%. Periodic Rate Range: 0.019863% to 0.027397% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 2, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Home Equity Manufactured - Park Model	-	-	8.00%
Details Published APR range: 8.00% - 9.74%. Periodic Rate Range: 0.021918% to 0.026685% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	5.24%	Up to 60 months
Details Published APR range: 5.24% - 14.99%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Auto	-	-	5.49%	61 to 72 months
Details Published APR range: 5.49% - 14.99%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Auto	-	-	5.49%	73 to 84 months
Details Published APR range: 5.49% - 17.49%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Auto	-	-	5.99%	Up to 60 months
Details Published APR range: 5.99% - 15.24%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Auto	-	-	5.99%	Up to 72 months
Details Published APR range: 5.99% - 16.72%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Auto	-	-	6.49%	73 to 84 months
Details Published APR range: 6.49% - 17.74%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Auto	-	-	7.89%	85 to 96 months
Details Published APR range: 7.89% - 10.49%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Auto	-	-	8.14%	85 to 96 months
Details Published APR range: 8.14% - 8.24%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers Loan	-	8.49%	Up to 84 months
Details Published APR range: 8.49% - 20.24%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers Loan	-	8.49%	85 to 120 months
Details Published APR range: 8.49% - 20.49%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers Loan	-	8.49%	121 to 180 months
Details Published APR range: 8.49% - 20.99%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	-	8.99%	Up to 60 months
Details Published APR range: 8.99% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers Loan	-	8.99%	Up to 84 months
Details Published APR range: 8.99% - 20.74%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers Loan	-	8.99%	85 to 120 months
Details Published APR range: 8.99% - 20.99%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers Loan	-	8.99%	121 to 180 months
Details Published APR range: 8.99% - 21.49%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	-	9.24%	61 to 72 months
Details Published APR range: 9.24% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	-	9.49%	73 to 84 months
Details Published APR range: 9.49% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	-	9.49%	Up to 60 months
Details Published APR range: 9.49% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	-	9.74%	61 to 72 months
Details Published APR range: 9.74% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	-	9.99%	73 to 84 months
Details Published APR range: 9.99% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Low Rate	-	10.49%
Details Published APR range: 10.49% - 22.00%. Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.24% → 10.49% ▲ 0.25 pts · high 10.49% / low 10.24% Sep 29, 202610.49%▲ from 10.24% Sep 14, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Visa Signature Rewards	-	14.49%
Details Published APR range: 14.49% - 23.00%. Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24% Sep 29, 202614.49%▲ from 14.24% Sep 14, 202614.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Visa Platinum Secured	-	19.00%
Details Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 18.75% → 19.00% ▲ 0.25 pts · high 19.00% / low 18.75% Oct 9, 202619.00%▲ from 18.75% Sep 14, 202618.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Personal Loan Rates

Product	APR	Term
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	8.99%	Up to 60 months
Details Published APR range: 8.99% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	9.24%	61 to 72 months
Details Published APR range: 9.24% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	9.49%	73 to 84 months
Details Published APR range: 9.49% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	9.49%	Up to 60 months
Details Published APR range: 9.49% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	9.74%	61 to 72 months
Details Published APR range: 9.74% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs Loan	9.99%	73 to 84 months
Details Published APR range: 9.99% - 24.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Personal Loan Up to 60 Months	10.75%	Up to 60 months
Details Published APR range: 10.75% - 22.25%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Personal Line of Credit	12.00%
Details Published APR range: 12.00% - 22.00%. Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 9, 202612.00%▲ from 11.75% Sep 14, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Personal Loan 61-72 months	12.50%	61 to 72 months
Details Published APR range: 12.50% - 22.25%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.50% → 12.50% ▼ 2.00 pts · high 14.50% / low 12.50% Oct 9, 202612.50%▼ from 14.50% Sep 14, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Visa Signature Rewards	14.49%
Details Published APR range: 14.49% - 23.00%. Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24% Sep 29, 202614.49%▲ from 14.24% Sep 14, 202614.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Community Partnership Unsecured Loan	16.00%
Details Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

Central Willamette Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Courtesy Loan	-	-	10.00%
Details Annual Percentage Rate (APR)** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Emergency Loan	-	-	6.75%	Up to 24 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%
Cannabis Business Membership Account	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $5.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.79%

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

Central Willamette Credit Union’s Texas Ratio rose from 3.81% in Q3 2023 to 4.79% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$618M	4.79%	5.0	A+
March 31, 2026	$614M	5.89%	5.0	A+
December 31, 2025	$611M	6.66%	5.0	A
September 30, 2025	$609M	5.68%	5.0	A+
June 30, 2025	$604M	5.48%	5.0	A+
March 31, 2025	$606M	6.00%	5.0	A+
December 31, 2024	$593M	6.65%	5.0	A
September 30, 2024	$596M	6.46%	5.0	A
June 30, 2024	$567M	6.13%	5.0	A
March 31, 2024	$545M	5.52%	5.0	A+
December 31, 2023	$517M	5.40%	5.0	A+
September 30, 2023	$518M	3.81%	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 Central Willamette 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 Central Willamette 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 Central Willamette Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Willamette Credit Union

Website https://www.centralwcu.org

Address 7101 Supra Dr SW, Albany, OR 97321

Phone 541-928-4536

Fax 541-926-4843

President Steve Uerlings

CEO Stacie Wyss-Schoenborn

Full-Time Employees 142

Part-Time Employees 1

Branch Locations 10

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.79%

Return on Assets (ROA)

0.5132%

Return on Equity (ROE)

3.5670%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

617,624,155

Total Amount of Shares and Deposits

525,385,970

Total Shares and Deposits < 1 Year

520,580,791

Total Shares and Deposits 1 3 Years

4,152,787

Total Shares and Deposits > 3 Years

652,392

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

30,764,807

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

30,764,807

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

494,621,163

Total Interest Expense (Sum of items 6 8)

3,103,176

Share Certificates

2,295

Number of Accounts for Share Drafts

22,610

IRA KEOGH Accounts

702

Number of Accounts for Regular Shares

40,740

All other shares

251

Money Market Shares

9,902

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

3,169,348

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)

74,269,025

Total Liabilities

559,800,263

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central Willamette Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Central Willamette Credit Union

How many branches does Central Willamette Credit Union operate?

Central Willamette 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 Central Willamette Credit Union?

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

Does Central Willamette Credit Union offer online and mobile banking?

Most modern institutions like Central Willamette 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.centralwcu.org.

Current Central Willamette Credit Union Rates

12-Month CD2.25%
18-Month CD2.60%
24-Month CD2.45%
60-Month CD3.00%
MMA1.10%

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

Compare to Other Credit Unions

Central Willamette Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Central Willamette Credit Union Texas Ratio

Central Willamette Credit Union Health Trend

Central Willamette Credit Union CD Rates

Central Willamette Credit Union Business CD Rates

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Central Willamette Credit Union RV, Boat and Powersport Loan Rates

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Central Willamette Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Central Willamette Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Central Willamette Credit Union

How many branches does Central Willamette Credit Union operate?

Is a member application needed to join Central Willamette Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Central Willamette Credit Union offer online and mobile banking?

Current Central Willamette Credit Union Rates

Compare to Other Credit Unions