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CLASS ACT Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
CLASS ACT's 36 Month IRA CD rates are at 4.05%, 36 Month CD rates are at 4.05%, 48 Month IRA CD rates are at 4.05%, 48 Month CD rates are at 4.05%, 60 Month Bump-Up CD rates are at 4.05%. CLASS ACT's savings rates are at 0.25%. CLASS ACT's money market rates are at 1.00%. CLASS ACT's Personal Loan Rates are as low as 6.99%. CLASS ACT's Credit Card Rates are at 12.75%. MonitorBankRates evaluates the financial stability of CLASS ACT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates last updated and verified on 09/22/2026. CLASS ACT 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 CLASS ACT? Share your experience about CLASS ACT by leaving a review below, or read customer reviews before you decide to use CLASS ACT. 
CLASS ACT CD Rates
CLASS ACT Savings Rates
CLASS ACT Money Market Rates
CLASS ACT Checking Rates
CLASS ACT Home Equity & HELOC
CLASS ACT Auto Loan Rates
CLASS ACT RV, Boat and Powersport Loan Rates
CLASS ACT Credit Card Rates
CLASS ACT Personal Loan Rates
CLASS ACT Other Rates
Financial Health HistoryCLASS ACT’s Texas Ratio fell from 2.83% in Q2 2023 to 2.25% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CLASS ACT 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 CLASS ACT 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 CLASS ACT's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CLASS ACT
Website
http://www.classact.org
Address
3620 Fern Valley Rd,
Louisville, KY 40219-1917
Phone
502-964-7575
Fax
502-966-2061
President
Ruth Ann Reteneller
CEO
Tom Anonson
Full-Time Employees
78
Part-Time Employees
14
Branch Locations
6
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.25%
Return on Assets (ROA)
0.3285%
Return on Equity (ROE)
2.9730%
Non-Performing Loans Ratio (NPL)
0.40%
Total Assets
352,288,651
Total Amount of Shares and Deposits
309,961,293
Total Shares and Deposits < 1 Year
304,144,433
Total Shares and Deposits 1 3 Years
4,653,841
Total Shares and Deposits > 3 Years
1,163,019
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,288,692
Total Uninsured Shares and Deposits > $250K (F+J)
11,288,692
Total Insured Shares and Deposits > $250K (item 17 less item K)
298,672,601
Total Interest Expense (Sum of items 6 8)
1,057,911
Share Certificates
2,240
Number of Accounts for Share Drafts
17,534
IRA KEOGH Accounts
856
Number of Accounts for Regular Shares
25,423
All other shares
2,989
Money Market Shares
1,882
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)
42,111,958
Total Liabilities
311,630,184
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for CLASS ACT 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.
Add Your Rating and Review for CLASS ACT
Frequently Asked Questions About CLASS ACTHow many branches does CLASS ACT operate?CLASS ACT 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 CLASS ACT?Yes, to access services at CLASS ACT, 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, CLASS ACT 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, CLASS ACT provides members with tools to manage their accounts and build a solid financial history. Does CLASS ACT offer online and mobile banking?Most modern institutions like CLASS ACT 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: http://www.classact.org. Current CLASS ACT Rates
Retrieved from our database of financial products. Rates subject to change.
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