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%

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Circle Federal Credit Union

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Circle Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

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

Circle Federal Credit Union's top rates as of October 9, 2026 are 4.02% APY on its 6 Month Term CD, 1.26% APY on savings, 1.01% APY on money market accounts, 4.07% APY on checking, personal loans from 10.50% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Circle Federal Credit Union CD rates include 12 Month Term CD at 3.51%, IRA Term CD - 24 month at 2.68%, and IRA Term CD - 36 month at 2.58%. 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 10/09/2026.

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 Q2 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

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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.

Circle Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Term Share Certificate	3.95%	4.02%	6 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
12 Month Term Share Certificate	3.45%	3.51%	12 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Term Share Certificate - 24 month	2.65%	2.68%	24 Months
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.68% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Term Share Certificate - 36 month	2.55%	2.58%	36 Months
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA Term Share Certificate - 12 month	2.50%	2.53%	12 Months
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
60 Month Term Share Certificate	2.47%	2.50%	60 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
36 Month Term Share Certificate	2.37%	2.40%	36 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
48 Month Term Share Certificate	2.37%	2.40%	48 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
18 Month Term Share Certificate	2.32%	2.35%	18 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
24 Month Term Share Certificate	2.32%	2.35%	24 Month
Min Deposit $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.35% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Optimum Savings	1.25%	1.26%
Min Balance $0 Details Qualifications Required: Qualifications Required; Terms are met; Balance: $0.01 - and up (if terms are met) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
HSA (Health Savings Account)	0.02%	0.02%
Min Deposit $100 Min Balance $100 Details Deposit Amount: $100.00 and Up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA SAVINGS (Traditional & Roth)	0.02%	0.02%
Min Deposit $100 Min Balance $100 Details Deposit Amount: $100.00 - $2,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA SAVINGS (Traditional & Roth)	0.02%	0.02%
Min Deposit $3,000 Min Balance $3,000 Details Deposit Amount: $3,000.00 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA SAVINGS (Traditional & Roth)	0.02%	0.02%
Min Deposit $5,000 Min Balance $5,000 Details Deposit Amount: $5,000.00 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA SAVINGS (Traditional & Roth)	0.02%	0.02%
Min Deposit $10,000 Min Balance $10,000 Details Deposit Amount: $10,000.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
IRA SAVINGS (Traditional & Roth)	0.02%	0.02%
Min Deposit $20,000 Min Balance $20,000 Details Deposit Amount: $20,000.00 and up Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Optimum Savings	0.02%	0.02%
Min Balance $0 Details Qualifications Required: Terms are not met; Balance: $0.01 - and up (if terms are not met) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Share Savings, Christmas Club, Vacation Club, Additional Savings	0.02%	0.02%
Min Deposit $1 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.02% APY 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 10/09/2026 Rate History No change since Sep 21, 2026 · 1.01% APY · checked 5 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 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 5 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 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 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%
Min Balance $15,000 Details Qualifications Required: Enroll in eStatements; Receive at least one direct deposit in your checking account; Make 15 or more debit card purchases (both signature AND PIN based transactions count towards this total); Log in to online banking at least once during the monthly qualification cycle; Qualifying balance up to $15,000.00; Up to $10 in ATM fee refunds each qualifying month; One box of FREE Circle FCU logo checks each year; Free overdraft transfers from eligible Circle FCU share accounts, lines of credit, or Visa accounts; Free Online & Mobile Banking; Free Bill Pay; Free Debit Card with fraud monitoring and security features; Access to thousands of surcharge-free ATMs nationwide Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 6 times 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
Purchase Promotion (20% Down Payment) Home Equity Loan Closed End	5.24%	-	5.283%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 700-749; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Purchase Promotion (20% Down Payment) Home Equity Loan Closed End	5.49%	-	5.533%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 675-699; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Purchase Promotion (20% Down Payment) Home Equity Loan Closed End	5.74%	-	5.784%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 674-; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	6.75%	-	6.843%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 750+; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 7.51% → 6.84% ▼ 0.67 pts · high 7.51% / low 6.84% Oct 9, 20266.84%▼ from 7.51% Sep 21, 20267.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.03% APR · checked 9 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.03% APR · checked 9 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.03% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.00%	-	7.094%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 700-749; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 7.51% → 7.09% ▼ 0.42 pts · high 7.51% / low 7.09% Oct 9, 20267.09%▼ from 7.51% Sep 21, 20267.51%first recorded 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 9 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 9 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.28% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.25%	-	7.346%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 675-699; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 7.51% → 7.35% ▼ 0.17 pts · high 7.51% / low 7.35% Oct 9, 20267.35%▼ from 7.51% Sep 21, 20267.51%first recorded 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.51% APR · checked 5 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.53% APR · checked 9 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.53% APR · checked 9 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.53% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Loan Closed End	7.50%	-	7.598%	120 Months
Details Term: 120 Months (10 years) Balloon; Credit Score: 674-; Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 7.51% → 7.60% ▲ 0.08 pts · high 7.60% / low 7.51% Oct 9, 20267.60%▲ from 7.51% Sep 21, 20267.51%first recorded 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.76% APR · checked 5 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.01% APR · checked 5 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.03% APR · checked 9 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*); Balloon Product. Rate is .50% higher for Manufactured Homes and 1.00% higher for Investment Properties. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.03% APR · checked 9 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.03% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Vacant Land Loan	8.25%	-	8.37%	60 Months (5 years)
Details Credit Score: 750+; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land. Maximum amortization 360 months. APR is calculated based upon loan amount of $150,000 with a 15 year amortization. Interest Rates Based on Credit Score at Time of Application. Applications Must Meet Underwriting Guidelines to be Approved. Balloon Options Available. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.37% → 8.37% ▲ 0.00 pts · high 8.37% / low 8.37% Sep 29, 20268.37%▲ from 8.37% Sep 14, 20268.37%first recorded 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*) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.52% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Vacant Land Loan	8.75%	-	8.87%	60 Months (5 years)
Details Credit Score: 700-749; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land. Maximum amortization 360 months. APR is calculated based upon loan amount of $150,000 with a 15 year amortization. Interest Rates Based on Credit Score at Time of Application. Applications Must Meet Underwriting Guidelines to be Approved. Balloon Options Available. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.87% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Vacant Land Loan	9.25%	-	9.37%	60 Months (5 years)
Details Credit Score: 675-699; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land. Maximum amortization 360 months. APR is calculated based upon loan amount of $150,000 with a 15 year amortization. Interest Rates Based on Credit Score at Time of Application. Applications Must Meet Underwriting Guidelines to be Approved. Balloon Options Available. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.37% → 9.37% ▼ 0.00 pts · high 9.37% / low 9.37% Sep 29, 20269.37%▼ from 9.37% Sep 14, 20269.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Home Equity Vacant Land Loan	9.75%	-	9.87%	60 Months (5 years)
Details Credit Score: 674-; Maximum LTV 80% for Vacant Land and 90% for Adjacent Vacant Land. Maximum amortization 360 months. APR is calculated based upon loan amount of $150,000 with a 15 year amortization. Interest Rates Based on Credit Score at Time of Application. Applications Must Meet Underwriting Guidelines to be Approved. Balloon Options Available. Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 9.87% → 9.87% ▼ 0.00 pts · high 9.87% / low 9.87% Sep 29, 20269.87%▼ from 9.87% Sep 25, 20269.87%▼ from 9.87% Sep 21, 20269.87%▼ from 9.87% Sep 18, 20269.87%▼ from 9.87% 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	4.25%	-	4.25%	Up to 84 Months
Details Credit Score: 750+; 0% Down Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New & Used Vehicle	5.25%	-	5.25%	Up to 84 Months
Details Credit Score: 700-749; 0% Down Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New & Used Vehicle	6.25%	-	6.25%	Up to 84 Months
Details Credit Score: 650-699; 0% Down Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
New & Used Vehicle	7.25%	-	7.25%	Up to 84 Months
Details Credit Score: 649-; 0% Down Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 7 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); 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 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 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%	9.90%
Details Credit Score: 800+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Secured Credit Card	9.90%	9.90%
Details Credit Score: N/A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Platinum Credit Card	11.90%	11.90%
Details Credit Score: 750-799 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Platinum Credit Card	12.90%	12.90%
Details Credit Score: 700-749 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Platinum Credit Card	13.90%	13.90%
Details Credit Score: 650-699 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Visa Platinum Credit Card	16.90%	16.90%
Details Credit Score: 649 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.90% APR · checked 8 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 - Closed End Loan	10.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 800+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Unsecured - Closed End Loan	12.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 750-799 Last Updated 10/09/2026 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 - Closed End Loan	13.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 700-749 Last Updated 10/09/2026 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 - Closed End Loan	14.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 650-699 Last Updated 10/09/2026 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 - Closed End Loan	17.50%	Up to 48 Months
Details Term: Up to 48 Months (4 years); Credit Score: 649 Last Updated 10/09/2026 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 Credit Score: 800+; 0% Down Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	8.00%	-	8.00%	180 Months
Details Credit Score: 750-799; 0% Down Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	8.50%	-	8.50%	180 Months
Details Credit Score: 700-749; 0% Down Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	9.50%	-	9.50%	180 Months
Details Credit Score: 650-699; 0% Down Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Adventure Loan	11.00%	-	11.00%	180 Months
Details Credit Score: 649-; 0% Down Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Credit Builder Loan	4.00%	-	4.00%	24 months
Details Amount: $600-$2,400 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Youth Accounts	0.02%	-	0.02%
Min Balance $1 Details Deposit Amount: $1.00 and Up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 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.
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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

Q2 2026 MBR Health & Safety Badge

Circle Federal 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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       width="160" height="160">
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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 Circle Federal Credit Union

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.

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 October 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

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?

Current Circle Federal Credit Union Rates

Compare to Other Credit Unions