☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Circle Federal Credit Union

iAdvertiser Disclosure

Circle Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Circle Federal Credit Union?

Current rates for Circle Federal Credit Union include: 12-Month CD: 2.53%, 18-Month CD: 2.35%, 24-Month CD: 2.35%, 60-Month CD: 2.50%, Savings: 1.26%, MMA: 1.01%

Q: What CD terms does Circle Federal Credit Union offer?

Circle Federal Credit Union CD rates are 4.02% APY for a 6 month CD, 3.51% APY for a 12 month CD, 2.35% APY for an 18 month CD, 2.35% APY for a 2 year CD, 2.40% APY for a 3 year CD, 2.40% APY for a 4 year CD and 2.50% 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 Circle Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Circle Federal Credit Union's Term CDs - 6 Month rates are at 4.02%, Term CDs - 12 Month rates are at 3.51%, Term CDs - 60 Month rates are at 2.50%, Term CDs - 36 Month rates are at 2.40%, Term CDs - 48 Month rates are at 2.40%. Circle Federal Credit Union's savings rates are at 1.26%. Circle Federal Credit Union's money market rates are at 1.01%. Circle Federal Credit Union's checking rates are as high as 4.07%. Circle Federal Credit Union's Personal Loan Rates are as low as 10.50%. Circle Federal Credit Union's Credit Card Rates are at 9.90%. Circle Federal Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Circle Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.86%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.86%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Circle Federal Credit Union
Niles Branch

507 E Main St
Niles, MI 49120-2617

https://www.circlefcu.org

Customer Reviews

Be the first to review

Write a Review

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.

Circle Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Share Certificates - 6 Month	3.95%	4.02%	6 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Term Share Certificates - 12 Month	3.45%	3.51%	12 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA (Individual Retirement Accounts) Term Share Certificates - 24 month	2.65%	2.68%	24 Months
Min Deposit $100 Details Early withdrawal penalty applies; Membership required Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA (Individual Retirement Accounts) Term Share Certificates - 36 month	2.55%	2.58%	36 Months
Min Deposit $100 Details Early withdrawal penalty applies; Membership required Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.58% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA (Individual Retirement Accounts) Term Share Certificates - 12 month	2.50%	2.53%	12 Months
Min Deposit $100 Details Early withdrawal penalty applies; Membership required Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Term Share Certificates - 60 Month	2.47%	2.50%	60 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Term Share Certificates - 36 Month	2.37%	2.40%	36 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Term Share Certificates - 48 Month	2.37%	2.40%	48 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Term Share Certificates - 18 Month	2.32%	2.35%	18 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Term Share Certificates - 24 Month	2.32%	2.35%	24 Month
Min Deposit $100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Savings Rates

Product	Rate	APY
JUMBO Savers Account	3.00%	3.04%
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Optimum Savings	1.25%	1.26%
Min Balance $0 Details Eligibility: $0.01 - and up (if terms are met); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Health Savings Account	0.02%	0.02%
Min Deposit $100 Details Balance: $100.00 and Up; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Savings (Traditional & Roth)	0.02%	0.02%
Min Balance $100 Details Balance: $100.00 - $2,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Savings (Traditional & Roth)	0.02%	0.02%
Min Balance $3,000 Details Balance: $3,000.00 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Savings (Traditional & Roth)	0.02%	0.02%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Savings (Traditional & Roth)	0.02%	0.02%
Min Balance $10,000 Details Balance: $10,000.00 - $19,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Savings (Traditional & Roth)	0.02%	0.02%
Min Balance $20,000 Details Balance: $20,000.00 and up Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Optimum Savings	0.02%	0.02%
Min Balance $0 Details Eligibility: $0.01 - and up (if terms are not met); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Share Savings	0.02%	0.02%
Min Balance $1 Details Balance: $1.00 & Up; Same rates apply to Christmas Club, Vacation Club, Additional Savings; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	1.00%	1.01%
Min Balance $75,000 Details Balance: $75,000.00 and up Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Premier Money Market	0.02%	0.02%
Min Balance $0 Details Balance: $0.01 - $2,500.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Checking Rates

Product	Rate	APY	View More
Rewards Checking	4.00%	4.07%
Details Qualifications Required; Qualifying balance up to $15,000.00; Open by visiting a branch Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00% Oct 13, 20264.07%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - 1% Payment	7.00%	-	7.032%	10 Years
Details Credit Score: 750+; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.03% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 2% Payment	7.00%	-	7.032%	5 Years
Details Credit Score: 750+; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.03% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.00%	-	7.032%	5 Years
Details Credit Score: 750+; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.03% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 1% Payment	7.25%	-	7.282%	10 Years
Details Credit Score: 700-749; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 2% Payment	7.25%	-	7.282%	5 Years
Details Credit Score: 700-749; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.25%	-	7.282%	5 Years
Details Credit Score: 700-749; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.28% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.50%	-	7.514%	10 Years
Details Credit Score: 750+; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.51% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 1% Payment	7.50%	-	7.533%	10 Years
Details Credit Score: 675-699; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.53% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 2% Payment	7.50%	-	7.533%	5 Years
Details Credit Score: 675-699; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.53% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.50%	-	7.533%	5 Years
Details Credit Score: 675-699; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.53% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.75%	-	7.764%	10 Years
Details Credit Score: 700-749; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.76% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	8.00%	-	8.014%	10 Years
Details Credit Score: 675-699; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.01% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 1% Payment	8.00%	-	8.034%	10 Years
Details Credit Score: 674-; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.03% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Line of Credit - 2% Payment	8.00%	-	8.034%	5 Years
Details Credit Score: 674-; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Maximum Loan Amount $100,000; Balloon Product Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.03% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	8.00%	-	8.034%	5 Years
Details Credit Score: 674-; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.03% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	8.50%	-	8.515%	10 Years
Details Credit Score: 674-; Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*); Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 8.52% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicle Loan	4.25%	-	4.25%	Up to 84 Months
Details Rate with 0% Down; Credit Score: 750+; Effective Date: Thursday, October 29th, 2026; Circle FCU members only Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 4.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New & Used Vehicle Loan	5.25%	-	5.25%	Up to 84 Months
Details Rate with 0% Down; Credit Score: 700-749; Effective Date: Thursday, October 29th, 2026; Circle FCU members only Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New & Used Vehicle Loan	6.25%	-	6.25%	Up to 84 Months
Details Rate with 0% Down; Credit Score: 650-699; Effective Date: Thursday, October 29th, 2026; Circle FCU members only Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New & Used Vehicle Loan	7.25%	-	7.25%	Up to 84 Months
Details Rate with 0% Down; Credit Score: 649-; Effective Date: Thursday, October 29th, 2026; Circle FCU members only Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Smart Start Auto Loan Program	9.00%	-	9.00%	Up to 48 Months
Details Term: Up to 48 Months (4 Years); Credit Score: N/A; No co-signer is required if criteria is met: maximum loan amount $15,000, 20% down required (based on the purchase price plus tax and title fees), and must be a member for at least 2 years. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	9.90%
Details Credit Score: 800+ 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: 1.86%
Visa Secured Credit Card	-	9.90%
Details Credit Score: N/A; Minimum age requirement is 12 years old (with qualified co-borrower of legal age) 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: 1.86%
Visa Platinum Credit Card	-	11.90%
Details Credit Score: 750-799 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: 1.86%
Visa Platinum Credit Card	-	12.90%
Details Credit Score: 700-749 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Platinum Credit Card	-	13.90%
Details Credit Score: 650-699 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Platinum Credit Card	-	16.90%
Details Credit Score: 649 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans - Closed End Loan	10.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 800+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Unsecured Loans - Closed End Loan	12.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 750-799 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 10.50% → 12.50% ▲ 2.00 pts · high 12.50% / low 10.50% Oct 5, 202612.50%▲ from 10.50% Sep 29, 202610.50%▼ from 12.50% Sep 18, 202612.50%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Unsecured Loans - Closed End Loan	13.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 700-749 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 10.50% → 13.50% ▲ 3.00 pts · high 13.50% / low 10.50% Oct 5, 202613.50%▲ from 10.50% Sep 29, 202610.50%▼ from 13.50% Sep 18, 202613.50%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Unsecured Loans - Closed End Loan	14.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 650-699 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 10.50% → 14.50% ▲ 4.00 pts · high 14.50% / low 10.50% Oct 5, 202614.50%▲ from 10.50% Sep 29, 202610.50%▼ from 14.50% Sep 18, 202614.50%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Unsecured Loans - Closed End Loan	17.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 649 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 10.50% → 17.50% ▲ 7.00 pts · high 17.50% / low 10.50% Oct 5, 202617.50%▲ from 10.50% Sep 29, 202610.50%▼ from 17.50% Sep 18, 202617.50%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Circle Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adventure Loan	7.50%	-	7.50%	180 Months
Details Term: Max Term of 180 Months; Term Based on Loan Amount - Max Term of 180 Months; Rate with 0% Down; Credit Score: 800+; Includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	8.00%	-	8.00%	180 Months
Details Term: Max Term of 180 Months; Term Based on Loan Amount - Max Term of 180 Months; Rate with 0% Down; Credit Score: 750-799; Includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	8.50%	-	8.50%	180 Months
Details Term: Max Term of 180 Months; Term Based on Loan Amount - Max Term of 180 Months; Rate with 0% Down; Credit Score: 700-749; Includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	9.50%	-	9.50%	180 Months
Details Term: Max Term of 180 Months; Term Based on Loan Amount - Max Term of 180 Months; Rate with 0% Down; Credit Score: 650-699; Includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	11.00%	-	11.00%	180 Months
Details Term: Max Term of 180 Months; Term Based on Loan Amount - Max Term of 180 Months; Rate with 0% Down; Credit Score: 649-; Includes Motorcycles, Snowmobiles, ATVs, UTVs, Jet Skis, Small Watercraft, Boats, RVs & Other Secured Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Credit Builder Loan	4.00%	-	4.00%	24 months
Details Loan amount: $600-$2,400; Interest Rate and APR column Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Purchase Promotion (20% Down Payment) - 120 Months (10 years) Balloon Loan	4.99%	-	5.032%	120 Months
Details Credit Score: 750+; 20% Down Payment; Interest Rates Based on Credit Score at Time of Application Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.03% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Purchase Promotion (20% Down Payment) - 120 Months (10 years) Balloon Loan	5.24%	-	5.283%	120 Months
Details Credit Score: 700-749; 20% Down Payment; Interest Rates Based on Credit Score at Time of Application Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Purchase Promotion (20% Down Payment) - 120 Months (10 years) Balloon Loan	5.49%	-	5.533%	120 Months
Details Credit Score: 675-699; 20% Down Payment; Interest Rates Based on Credit Score at Time of Application Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Purchase Promotion (20% Down Payment) - 120 Months (10 years) Balloon Loan	5.74%	-	5.784%	120 Months
Details Credit Score: 674-; 20% Down Payment; Interest Rates Based on Credit Score at Time of Application Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.78% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Vacant Land Loan	8.25%	-	8.368%	60 Months (5 years)
Details Vacant Land Loans; Credit Score: 750+; Effective Date: Thursday, October 29th, 2026; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Vacant Land Loan	8.75%	-	8.87%	60 Months (5 years)
Details Vacant Land Loans; Credit Score: 700-749; Effective Date: Thursday, October 29th, 2026; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.87% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Vacant Land Loan	9.25%	-	9.372%	60 Months (5 years)
Details Vacant Land Loans; Credit Score: 675-699; Effective Date: Thursday, October 29th, 2026; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Vacant Land Loan	9.75%	-	9.874%	60 Months (5 years)
Details Vacant Land Loans; Credit Score: 674-; Effective Date: Thursday, October 29th, 2026; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 9.87% → 9.87% ▼ 0.00 pts · high 9.87% / low 9.87% Oct 29, 20269.87%▼ from 9.87% Oct 23, 20269.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Youth Accounts	0.02%	-	0.02%
Min Balance $1 Details Balance: $1.00 and Up; Effective Date: Thursday, October 29th, 2026; For Circle Federal Credit Union members only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Circle Federal Credit Union’s Texas Ratio fell from 3.78% in Q3 2023 to 1.86% in Q2 2026, so its financial health has improved and is now 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	$117M	1.86%	5.0	A+
March 31, 2026	$117M	4.56%	5.0	A+
December 31, 2025	$116M	6.95%	5.0	A
September 30, 2025	$117M	4.16%	5.0	A+
June 30, 2025	$115M	8.27%	5.0	A
March 31, 2025	$109M	9.68%	5.0	A
December 31, 2024	$109M	7.93%	5.0	A
September 30, 2024	$110M	8.12%	5.0	A
June 30, 2024	$109M	9.09%	5.0	A
March 31, 2024	$108M	4.90%	5.0	A+
December 31, 2023	$103M	4.29%	5.0	A+
September 30, 2023	$102M	3.78%	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 Circle Federal 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 Circle Federal 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 Circle Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Circle Federal Credit Union

Website https://www.circlefcu.org

Address 507 E Main St, Niles, MI 49120-2617

Phone 269-684-6005

Fax 269-684-6173

President Richard Knott

CEO Susan Larson

Full-Time Employees 35

Part-Time Employees 2

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+ (99/100)

Texas Ratio

1.86%

Return on Assets (ROA)

0.3970%

Return on Equity (ROE)

4.3415%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

117,431,809

Total Amount of Shares and Deposits

105,581,086

Total Shares and Deposits < 1 Year

102,782,280

Total Shares and Deposits 1 3 Years

2,475,970

Total Shares and Deposits > 3 Years

322,836

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

5,437,344

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

5,437,344

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

100,143,742

Total Interest Expense (Sum of items 6 8)

862,215

Share Certificates

945

Number of Accounts for Share Drafts

4,420

IRA KEOGH Accounts

205

Number of Accounts for Regular Shares

9,494

All other shares

121

Money Market Shares

466

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

466,335

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)

7,861,902

Total Liabilities

106,729,425

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Circle Federal Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/circle-federal-credit-union-rates-review-22114">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Circle Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Circle Federal Credit Union

Frequently Asked Questions About Circle Federal Credit Union

Does Circle Federal Credit Union offer CDs?

Yes. Circle Federal Credit Union current CD rates include its Term CDs - 6 Month at 4.02% APY, its Term CDs - 12 Month at 3.51% APY and its Term CDs - 60 Month at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Circle Federal Credit Union NCUA insured?

Yes. Circle Federal 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 Circle Federal Credit Union?

The highest Circle Federal Credit Union CD rate is its Term CDs - 6 Month at 4.02% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Circle Federal Credit Union offer?

Circle Federal Credit Union CD rates are 4.02% APY for a 6 month CD, 3.51% APY for a 12 month CD, 2.35% APY for an 18 month CD, 2.35% APY for a 2 year CD, 2.40% APY for a 3 year CD, 2.40% APY for a 4 year CD and 2.50% 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 Circle Federal Credit Union for its full lineup.

What is the highest savings rate at Circle Federal Credit Union?

The highest Circle Federal Credit Union savings rate is its Optimum Savings at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Circle Federal Credit Union?

The highest Circle Federal Credit Union money market rate is its Premier Money Market at 1.01% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Circle Federal Credit Union?

The highest Circle Federal Credit Union checking rate is its Rewards Checking at 4.07% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Circle Federal Credit Union?

The lowest Circle Federal Credit Union auto loan rate is its New & Used Vehicle Loan at 4.25%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Circle Federal Credit Union?

The lowest Circle Federal Credit Union personal loan rate is its Unsecured Loans - Closed End Loan at 10.50%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Circle Federal Credit Union?

The lowest Circle Federal Credit Union credit card APR is its Visa Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Circle Federal Credit Union operate?

Circle Federal 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 Circle Federal Credit Union?

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

Does Circle Federal Credit Union offer online and mobile banking?

Most modern institutions like Circle Federal 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.circlefcu.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 Circle Federal Credit Union rates compare?

Circle Federal Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. Circle Federal Credit Union's top rates are its Term CDs - 6 Month at 4.02% APY, its Optimum Savings at 1.26% APY, its Premier Money Market at 1.01% APY, its Rewards Checking at 4.07% APY, its Unsecured Loans - Closed End Loan at 10.50% APR and its Visa Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Circle Federal Credit Union Rates

12-Month CD2.53%
18-Month CD2.35%
24-Month CD2.35%
60-Month CD2.50%
Savings1.26%
MMA1.01%

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

Compare to Other Credit Unions

Circle Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Circle Federal Credit Union Texas Ratio

Circle Federal Credit Union Health Trend

Circle Federal Credit Union CD Rates

Circle Federal Credit Union Savings Rates

Circle Federal Credit Union Money Market Rates

Circle Federal Credit Union Checking Rates

Circle Federal Credit Union Home Equity & HELOC

Circle Federal Credit Union Auto Loan Rates

Circle Federal Credit Union Credit Card Rates

Circle Federal Credit Union Personal Loan Rates

Circle Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Circle Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Circle Federal Credit Union

Does Circle Federal Credit Union offer CDs?

Are CDs from Circle Federal Credit Union NCUA insured?

What is the highest CD rate at Circle Federal Credit Union?

What CD terms does Circle Federal Credit Union offer?

What is the highest savings rate at Circle Federal Credit Union?

What is the highest money market rate at Circle Federal Credit Union?

What is the highest checking rate at Circle Federal Credit Union?

What is the lowest auto loan rate at Circle Federal Credit Union?

What is the lowest personal loan rate at Circle Federal Credit Union?

What is the lowest credit card APR at Circle Federal Credit Union?

How many branches does Circle Federal Credit Union operate?

Is a member application needed to join Circle Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Circle Federal 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 Circle Federal Credit Union rates compare?

Current Circle Federal Credit Union Rates

Compare to Other Credit Unions