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Class Act Credit Union

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Class Act Credit Union Rates & Review November 2026

Q: What are the current interest rates at Class Act Credit Union?

Current rates for Class Act Credit Union include: 12-Month CD: 4.25%, 18-Month CD: 4.25%, 24-Month CD: 4.25%, 60-Month CD: 4.35%, Savings: 0.25%, MMA: 1.50%

Q: What CD terms does Class Act Credit Union offer?

Class Act Credit Union CD rates are 4.25% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.25% APY for a 2 year CD, 4.35% APY for a 3 year CD, 4.35% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Class Act Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Class Act Credit Union's 36 Month CD rates are at 4.35%, 48 Month CD rates are at 4.35%, 12 Month CD rates are at 4.25%, 18 Month CD rates are at 4.25%, 24 Month CD rates are at 4.25%. Class Act Credit Union's savings rates are at 0.25%. Class Act Credit Union's money market rates are at 1.50%. Class Act Credit Union's checking rates are as high as 4.00%. Class Act Credit Union's Personal Loan Rates are as low as 6.99%. Class Act Credit Union's Credit Card Rates are at 13.00%. Class Act Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Class Act Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.61%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Class Act Credit Union
Main Office

3620 Fern Valley Rd
Louisville, KY 40219-1917

http://www.classact.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.

Class Act Credit Union CD Rates

Product	Rate	APY	Term
36 Month IRA Certificate	4.27%	4.35%	36 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 19, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
36 Month Share Certificate	4.27%	4.35%	36 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 19, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
48 Month IRA Certificate	4.27%	4.35%	48 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 19, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
48 Month Share Certificate	4.27%	4.35%	48 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 19, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
60 Month Bump-Up Share Certificate	4.27%	4.35%	60 Months
Min Deposit $5,000 Details Bump-Up Share Certificate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 19, 20264.35%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
12 Month IRA Certificate	4.17%	4.25%	12 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 19, 20264.25%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
12 Month Share Certificate	4.17%	4.25%	12 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 19, 20264.25%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
18 Month IRA Certificate	4.17%	4.25%	18 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 19, 20264.25%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
18 Month Share Certificate	4.17%	4.25%	18 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90% Oct 19, 20264.25%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
24 Month IRA Certificate	4.17%	4.25%	24 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 19, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
24 Month Share Certificate	4.17%	4.25%	24 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 19, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
30 Month IRA Certificate	4.17%	4.25%	30 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 19, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
30 Month Share Certificate	4.17%	4.25%	30 Month
Min Deposit $1,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 19, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
6 Month IRA Certificate	3.93%	4.00%	6 month
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 19, 20264.00%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
6 Month IRA Certificate	3.93%	4.00%	6 month
Min Deposit $1,000 Details IRA Certificate Rates Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 19, 20264.00%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
6 Month Share Certificate	3.93%	4.00%	6 Month
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 19, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
91 Day Share Certificate	1.39%	1.40%	91 Day
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.25%	0.25%
Min Balance $5 Details Balance: $5+; Effective date: 9/24/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Regular Share Savings	0.25%	0.25%
Min Balance $5 Details Effective date: 9/24/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Summer Savings	0.25%	0.25%
Min Balance $5 Details Balance: $5+; Effective date: 9/24/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.50%	1.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	1.40%	1.40%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	1.30%	1.30%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	1.20%	1.20%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	1.10%	1.10%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Checking Rates

Product	Rate	APY	View More
Honors Checking	3.96%	4.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $5,000.00; Qualifying balance up to $5,000.00; Max $200 dividend per year; Up to $25 monthly out-of-network ATM fee refunds; As of January 31, 2018 per footnote; Balances over $5,000 earn 0.25% APY Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.25%	25 years
Details Term: 25 years / 10 years draw; As Low As; Maximum Amount: 100% Loan to Value; HELOC APRs are variable and tied to the WSJ Prime Rate plus a margin, and will not exceed 18%; Closing costs may vary; Membership eligibility required; Rates effective as of 7/17/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 18, 20266.25%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Fixed Rate Home Equity Loan	-	-	6.634%	10 years
Details As Low As; Maximum Amount: $200,000; APR based on a $100,000 loan with $599 closing costs; actual APR may vary by loan amount, creditworthiness, loan-to-value and term; Membership eligibility required; Rates effective as of 7/17/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Sep 18, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Fixed Rate Home Equity Loan	-	-	7.097%	15 years
Details As Low As; Maximum Amount: $200,000; APR based on a $100,000 loan with $599 closing costs; actual APR may vary by loan amount, creditworthiness, loan-to-value and term; Membership eligibility required; Rates effective as of 7/17/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.85% → 7.10% ▲ 0.25 pts · high 7.10% / low 6.85% Sep 18, 20267.10%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Fixed Rate Home Equity Loan	-	-	7.579%	20 years
Details As Low As; Maximum Amount: $200,000; APR based on a $100,000 loan with $599 closing costs; actual APR may vary by loan amount, creditworthiness, loan-to-value and term; Membership eligibility required; Rates effective as of 7/17/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.33% → 7.58% ▲ 0.25 pts · high 7.58% / low 7.33% Sep 18, 20267.58%▲ from 7.33% Sep 14, 20267.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.24%	Up to 48 Months
Details Model Year: 2022 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 19, 20264.24%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	4.49%	Up to 48 Months
Details Model Year: 2017 - 2021 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 26, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	4.74%	49 - 60 Months
Details Model Year: 2022 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Oct 19, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	4.74%	Up to 48 Months
Details Model Year: 2016 or older Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24% Oct 26, 20264.74%▲ from 4.24% Oct 19, 20264.24%▼ from 4.49% Sep 22, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	4.99%	61 - 72 Months
Details Model Year: 2022 or newer Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 5.24% / low 4.74% Oct 26, 20264.99%▼ from 5.24% Oct 19, 20265.24%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	4.99%	49 - 60 Months
Details Model Year: 2017 - 2021 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 19, 20264.99%▲ from 4.74% Sep 22, 20264.74%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	5.24%	73 - 84 Months
Details Model Year: 2022 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	5.24%	61 - 72 Months
Details Model Year: 2017 - 2021 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 19, 20265.24%▲ from 4.99% Sep 22, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	5.24%	49 - 60 Months
Details Model Year: 2016 or older Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 4.49% → 5.24% ▲ 0.75 pts · high 5.24% / low 4.49% Oct 19, 20265.24%▲ from 4.99% Sep 22, 20264.99%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	-	-	5.24%	73-84 months
Details Model Year: 2022 or newer; Rates include .25% automatic payment discount Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Sep 22, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	4.24%	Up to 48 Months
Details Model Year: 2022 or newer; Rates effective as of 10/14/2026; Includes .25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Motorcycle Loan	-	4.49%	Up to 48 Months
Details Model Year: 2017 - 2021; Rates effective as of 10/14/2026; Includes .25% automatic payment discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 26, 20264.49%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Motorcycle Loan	-	4.74%	49-60 Months
Details Model Year: 2022 or newer; Rates effective as of 10/14/2026; Includes .25% automatic payment discount; Max term 63 months on 2017-2021 vehicles Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Oct 26, 20264.74%▲ from 4.49% Oct 1, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Motorcycle Loan	-	4.99%	61-72 Months
Details Model Year: 2022 or newer; Rates effective as of 10/14/2026; Includes .25% automatic payment discount Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 26, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Motorcycle Loan	-	5.24%	72-84 Months
Details Model Year: 2022 or newer; Rates effective as of 10/14/2026; Includes .25% automatic payment discount; Term of 84 months available on 2022 or newer vehicles Last Updated 10/30/2026 Rate History 1 change since Oct 1, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Oct 1, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	6.24%	Up to 84 months
Details Model Year: 2022 or newer; Rates effective as of 1/1/2026; includes .25% Auto Pay discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	6.49%	85-120 months
Details Model Year: 2022 or newer; Rates effective as of 1/1/2026; includes .25% Auto Pay discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	6.74%	121-144 months
Details Model Year: 2022 or newer; Rates effective as of 1/1/2026; includes .25% Auto Pay discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	6.99%	145-180 months
Details Model Year: 2022 or newer; Rates effective as of 1/1/2026; includes .25% Auto Pay discount Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	6.99%	Up to 84 months
Details Model Year: 2017 - 2021; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.99% ▲ 0.75 pts · high 6.99% / low 6.24% Oct 14, 20266.99%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	7.24%	85-120 months
Details Model Year: 2017 - 2021; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	7.49%	121-144 months
Details Model Year: 2017 - 2021; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	7.74%	145-180 months
Details Model Year: 2017 - 2021; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	7.74%	Up to 84 months
Details Model Year: 2016 or older; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 7.74% ▲ 1.50 pts · high 7.74% / low 6.24% Oct 14, 20267.74%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	7.99%	85-120 months
Details Model Year: 2016 or older; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	8.24%	121-144 months
Details Model Year: 2016 or older; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Boat & RV Loans	-	8.49%	145-180 months
Details Model Year: 2016 or older; Rates effective as of 1/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Card	-	13.00%
Details As Low As; Maximum Amount: $25,000; APR marked with asterisk on page Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 6, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Visa Platinum Credit Card	-	13.00%
Details As Low As; Maximum Amount: $25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 6, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	6.99%	72 months
Details As Low As; Maximum Amount: $40,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Solar Loan	7.75%	Up to 84 Months
Details Loan Amount: $5,000 - $30,000; APR effective as of 1/1/2026; includes 0.25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Solar Loan	8.00%	85 - 120 Months
Details Loan Amount: $5,000 - $30,000; APR effective as of 1/1/2026; includes 0.25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Solar Loan	8.00%	Up to 84 Months
Details Loan Amount: $30,001 - $50,000; APR effective as of 1/1/2026; includes 0.25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Solar Loan	8.25%	121 - 180 Months
Details Loan Amount: $5,000 - $30,000; APR effective as of 1/1/2026; includes 0.25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Solar Loan	8.25%	85 - 120 Months
Details Loan Amount: $30,001 - $50,000; APR effective as of 1/1/2026; includes 0.25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Solar Loan	8.50%	121 - 180 Months
Details Loan Amount: $30,001 - $50,000; APR effective as of 1/1/2026; includes 0.25% automatic payment discount Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Class Act Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Accumulation	0.50%	-	0.50%
Min Balance $0 Details Balance: $0+; Effective date: 9/24/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

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

Class Act Credit Union’s Texas Ratio rose from 2.55% in Q3 2023 to 3.61% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — 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

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	$365M	3.61%	5.0	A+
March 31, 2026	$352M	2.25%	5.0	A+
December 31, 2025	$342M	3.75%	5.0	A+
September 30, 2025	$337M	4.37%	5.0	A+
June 30, 2025	$342M	4.39%	5.0	A+
March 31, 2025	$333M	4.11%	5.0	A+
December 31, 2024	$318M	4.43%	5.0	A+
September 30, 2024	$314M	3.07%	5.0	A+
June 30, 2024	$317M	3.71%	5.0	A+
March 31, 2024	$312M	2.02%	5.0	A+
December 31, 2023	$301M	3.28%	5.0	A+
September 30, 2023	$305M	2.55%	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 Class Act 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 Class Act 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 Class Act Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Class Act Credit Union

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 76

Part-Time Employees 12

Branch Locations 6

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+ (98/100)

Texas Ratio

3.61%

Return on Assets (ROA)

0.5025%

Return on Equity (ROE)

4.6313%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

365,006,579

Total Amount of Shares and Deposits

320,766,059

Total Shares and Deposits < 1 Year

315,221,347

Total Shares and Deposits 1 3 Years

4,407,257

Total Shares and Deposits > 3 Years

1,137,456

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

10,658,969

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

10,658,969

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

310,107,090

Total Interest Expense (Sum of items 6 8)

2,323,317

Share Certificates

2,370

Number of Accounts for Share Drafts

17,838

IRA KEOGH Accounts

865

Number of Accounts for Regular Shares

25,715

All other shares

3,041

Money Market Shares

1,922

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)

34,105,704

Total Liabilities

323,739,004

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Class Act Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About Class Act Credit Union

Does Class Act Credit Union offer CDs?

Yes. Class Act Credit Union current CD rates include its 36 Month CD at 4.35% APY, its 48 Month CD at 4.35% APY and its 12 Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Class Act Credit Union NCUA insured?

Yes. Class Act 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 Class Act Credit Union?

The highest Class Act Credit Union CD rate is its 36 Month IRA CD at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Class Act Credit Union offer?

Class Act Credit Union CD rates are 4.25% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.25% APY for a 2 year CD, 4.35% APY for a 3 year CD, 4.35% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Class Act Credit Union for its full lineup.

What is the highest savings rate at Class Act Credit Union?

The highest Class Act Credit Union savings rate is its Regular Savings at 0.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Class Act Credit Union?

The highest Class Act Credit Union money market rate is its Money Market at 1.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Class Act Credit Union?

The highest Class Act Credit Union checking rate is its Honors Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Class Act Credit Union?

The lowest Class Act Credit Union auto loan rate is its Auto Loan at 4.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Class Act Credit Union?

The lowest Class Act Credit Union personal loan rate is its Personal Loan at 6.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Class Act Credit Union?

The lowest Class Act Credit Union credit card APR is its Visa Platinum Card Credit Card at 13.00% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Class Act Credit Union operate?

Class Act 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 Class Act Credit Union?

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

Does Class Act Credit Union offer online and mobile banking?

Most modern institutions like Class Act 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: http://www.classact.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 Class Act Credit Union rates compare?

Class Act Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. Class Act Credit Union's top rates are its 36 Month IRA CD at 4.35% APY, its Regular Savings at 0.25% APY, its Money Market at 1.50% APY, its Honors Checking at 4.00% APY, its Personal Loan at 6.99% APR and its Visa Platinum Card Credit Card at 13.00% APR, verified by MonitorBankRates on October 30, 2026.

Current Class Act Credit Union Rates

12-Month CD4.25%
18-Month CD4.25%
24-Month CD4.25%
60-Month CD4.35%
Savings0.25%
MMA1.50%

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

Compare to Other Credit Unions

Class Act Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Class Act Credit Union Texas Ratio

Class Act Credit Union Health Trend

Class Act Credit Union CD Rates

Class Act Credit Union Savings Rates

Class Act Credit Union Money Market Rates

Class Act Credit Union Checking Rates

Class Act Credit Union Home Equity & HELOC

Class Act Credit Union Auto Loan Rates

Class Act Credit Union RV, Boat and Powersport Loan Rates

Class Act Credit Union Credit Card Rates

Class Act Credit Union Personal Loan Rates

Class Act Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Class Act Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Class Act Credit Union

Does Class Act Credit Union offer CDs?

Are CDs from Class Act Credit Union NCUA insured?

What is the highest CD rate at Class Act Credit Union?

What CD terms does Class Act Credit Union offer?

What is the highest savings rate at Class Act Credit Union?

What is the highest money market rate at Class Act Credit Union?

What is the highest checking rate at Class Act Credit Union?

What is the lowest auto loan rate at Class Act Credit Union?

What is the lowest personal loan rate at Class Act Credit Union?

What is the lowest credit card APR at Class Act Credit Union?

How many branches does Class Act Credit Union operate?

Is a member application needed to join Class Act Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Class Act 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 Class Act Credit Union rates compare?

Current Class Act Credit Union Rates

Compare to Other Credit Unions