What are the current interest rates at Christian Financial Credit Union?

Current rates for Christian Financial Credit Union include: 24-Month CD: 4.20%

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Christian Financial Credit Union

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Christian Financial Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Christian Financial 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: April 19, 2026

Christian Financial Credit Union's 24 Month CD rates are at 4.20%. MonitorBankRates evaluates the financial stability of Christian Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.16%. Rates were last updated on 04/19/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.16%

Excellent Lower than avg

Christian Financial Credit Union
Westward Way

35100 Van Dyke Ave
Sterling Heights, MI 48312

https://www.christianfinancialcu.org

Christian Financial Credit Union CD Rates

Product	Rate	APY	Term	View More
24 Month Certificate	-	4.20%	24 Month
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Christian Financial 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 Christian Financial 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 Christian Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Christian Financial Credit Union

Website https://www.christianfinancialcu.org

Address 35100 Van Dyke Ave, Sterling Heights, MI 48312

Phone 586-772-6330

Fax

President James Banaszak

CEO Patricia Campbell

Full-Time Employees 190

Part-Time Employees 13

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.16%

Return on Assets (ROA)

0.4218%

Return on Equity (ROE)

4.2069%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

1,062,851,530

Total Amount of Shares and Deposits

927,459,015

Total Shares and Deposits < 1 Year

825,516,795

Total Shares and Deposits 1 3 Years

97,267,588

Total Shares and Deposits > 3 Years

4,674,632

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

38,144,956

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

38,144,956

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

889,314,059

Total Interest Expense (Sum of items 6 8)

12,162,771

Share Certificates

6,182

Number of Accounts for Share Drafts

38,786

IRA KEOGH Accounts

1,917

Number of Accounts for Regular Shares

111,797

All other shares

143

Money Market Shares

4,163

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

4,483,428

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

74,812,220

Total Liabilities

958,378,893

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Christian Financial Credit Union

Is Christian Financial Credit Union a safe place to deposit money?

Yes, Christian Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1560438709146%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Christian Financial Credit Union operate?

Christian Financial 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 Christian Financial Credit Union?

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

Does Christian Financial Credit Union offer online and mobile banking?

Most modern institutions like Christian Financial 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.christianfinancialcu.org.