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Cloverbelt Credit Union Rates & Review November 2026

Cloverbelt Credit Union's 15-Month CD rates are at 4.40%, 18-Month CD rates are at 4.25%, 24-Month CD rates are at 4.25%, 12-Month CD rates are at 4.00%, 13-Month CD rates are at 4.00%. Cloverbelt Credit Union's savings rates are at 2.75%. Cloverbelt Credit Union's money market rates are at 1.00%. Cloverbelt Credit Union's 1st Mortgage - 10 Year Fixed Rate rates are at 5.50%, 1st Mortgage - 15 Year Fixed Rate rates are at 6.00%, Vacant Land - 10 Year Fixed rates are at 6.25%, 1st Mortgage - 5/1 ARM rates are at 6.12%, 1st Mortgage - 10/1 ARM rates are at 6.50%. Cloverbelt Credit Union's Personal Loan Rates are as low as 10.99%. Cloverbelt Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cloverbelt Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.52%. Rates last updated and verified on 10/29/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
1.52%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Cloverbelt Credit Union
Main Office
110 McIndoe St
Wausau, WI 54403-4742
https://www.ccuwausau.com
Member NCUA
Customer Reviews
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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.

Cloverbelt Credit Union CD Rates

Product Rate APY Term View More
15-Month Certificate 4.33% 4.40% 15 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.40% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20264.40%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
18-Month Certificate 4.18% 4.25% 18 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
24-Month Certificate 4.18% 4.25% 24 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
12-Month Certificate 3.94% 4.00% 12 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
13-Month Certificate 3.94% 4.00% 13 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
48-Month Certificate 3.69% 3.75% 48 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 5, 2026: 3.75% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
60-Month Certificate 3.69% 3.75% 60 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
36-Month Certificate 3.59% 3.65% 36 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.65% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20263.65%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
12-Month Certificate 3.46% 3.50% 12 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.50% ▲ 2.25 pts · high 3.50% / low 1.25%
0.00%2.88%5.75%Sep 14, 2026: 1.25% APYOct 5, 2026: 3.50% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20263.50%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
16-Month Certificate 3.46% 3.50% 16 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
7-Month Certificate 3.46% 3.50% 7 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
9-Month Certificate 3.46% 3.50% 9 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
21-Month Certificate 2.97% 3.00% 21 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
30-Month Certificate 2.97% 3.00% 30 Months
Min Balance $5,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
60-Month Certificate 2.23% 2.25% 60 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 10 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
48-Month Certificate 2.08% 2.10% 48 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 10 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
6-Month Certificate 1.99% 2.00% 6 Months
Min Balance $2,500
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.75% → 2.00% ▲ 1.25 pts · high 2.00% / low 0.75%
0.00%1.63%3.25%Sep 14, 2026: 0.75% APYOct 5, 2026: 2.00% APYSep 14, 2026Nov 2, 2026
  • Oct 5, 20262.00%▲ from 0.75%
  • Sep 14, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
6-Month Certificate 1.99% 2.00% 6 Months
Min Balance $10,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
36-Month Certificate 1.74% 1.75% 36 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 10 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
24-Month Certificate 1.49% 1.50% 24 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
30-Month Certificate 1.44% 1.45% 30 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 10 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
18-Month Certificate 1.34% 1.35% 18 Months
Min Balance $1,000
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 10 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Savings Rates

Product Rate APY View More
Money Market Savings 2.72% 2.75%
Min Balance $75,000
Details Balance: $75,000+
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings 2.03% 2.05%
Min Balance $25,000
Details Balance: $25,000-$74,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 10 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings 1.20% 1.20%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 10 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings 0.75% 0.75%
Min Balance $2,000
Details Balance: Up to $9,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Saver's Sweepstakes Savings 0.35% 0.35%
Min Deposit $5
Min Balance $25
Details Dividend rate and APY as printed; $25 minimum for dividends; prize-linked savings account with monthly, quarterly and annual cash prize drawings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings 2.72% 2.75%
Min Balance $75,000
Details Balance: $75,000+
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings 2.03% 2.05%
Min Balance $25,000
Details Balance: $25,000-$74,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 10 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings 1.20% 1.20%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 10 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings 0.75% 0.75%
Min Balance $2,000
Details Balance: Up to $9,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Checking Rates

Product Rate APY View More
Money Market Checking 1.00% 1.00%
Min Balance $10,000
Details Balance: $10,000.00 and over
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Checking 0.75% 0.75%
Min Balance $2,000
Details Balance: $0.00 - $9,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage - 10 Year Fixed Rate 5.50% - 5.653% 120 months
Details Single-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.65% APR · checked 10 times
5.15%5.65%6.15%Sep 18, 2026: 5.65% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 15 Year Fixed Rate 6.00% - 6.109% 180 months
Details Single-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.11% APR · checked 10 times
5.61%6.11%6.61%Sep 18, 2026: 6.11% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Fixed 6.25% - 6.405% 120 months
No additional details.
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.41% APR · checked 10 times
5.91%6.41%6.91%Sep 18, 2026: 6.41% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 5/1 ARM 6.125% - 6.568% 360 months
Details ARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
Last Updated 10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27%
5.77%6.42%7.07%Sep 18, 2026: 6.27% APROct 1, 2026: 6.57% APRSep 18, 2026Nov 2, 2026
  • Oct 1, 20266.57%▲ from 6.27%
  • Sep 18, 20266.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 10/1 ARM 6.50% - 6.651% 360 months
Details ARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
Last Updated 10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 6.65% ▲ 0.15 pts · high 6.65% / low 6.50%
6.00%6.58%7.15%Sep 18, 2026: 6.50% APROct 1, 2026: 6.65% APRSep 18, 2026Nov 2, 2026
  • Oct 1, 20266.65%▲ from 6.50%
  • Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 3/1 ARM 6.125% - 6.656% 360 months
Details ARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
Last Updated 10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.28% → 6.66% ▲ 0.37 pts · high 6.66% / low 6.28%
5.78%6.47%7.16%Sep 18, 2026: 6.28% APROct 1, 2026: 6.66% APRSep 18, 2026Nov 2, 2026
  • Oct 1, 20266.66%▲ from 6.28%
  • Sep 18, 20266.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
2nd Mortgage / Home Equity / Home Flexity - 10 Year Fixed Rate 7.25% - 7.267% 120 months
Details Single-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.27% APR · checked 10 times
6.77%7.27%7.77%Sep 18, 2026: 7.27% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
2nd Mortgage / Home Equity / Home Flexity - 15 Year Fixed Rate 7.75% - 7.757% 180 months
Details Single-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.76% APR · checked 10 times
7.26%7.76%8.26%Sep 18, 2026: 7.76% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 4.89% - 4.89% 36 months
Details Model Year: 2020-2026; Payment per $1000 borrowed: $29.92 (not a rate)
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 4.89% - 4.89% 60 months
Details Model Year: 2020-2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan 4.89% - 4.89% 36 months
Details Car & Truck Loan; Model Year: 2020 - 2026; Payment per $1000 is not a rate
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan 4.89% - 4.89% 60 months
Details Car & Truck Loan; Model Year: 2020 - 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 5.09% - 5.09% 66 months
Details Model Year: 2020-2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 8 times
4.59%5.09%5.59%Sep 18, 2026: 5.09% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan 5.09% - 5.09% 66 months
Details Car & Truck Loan; Model Year: 2020 - 2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 8 times
4.59%5.09%5.59%Sep 18, 2026: 5.09% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 5.29% - 5.29% 72 months
Details Model Year: 2020-2026; ** Minimum of $12,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 18, 2026: 5.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan 5.29% - 5.29% 72 months
Details Car & Truck Loan; Model Year: 2020 - 2026; Minimum of $12,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 18, 2026: 5.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 5.99% - 5.99% 84 months
Details Model Year: 2020-2026; *** Minimum of $18,000 to finance; new vehicles only
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan 5.99% - 5.99% 84 months
Details Car & Truck Loan; Model Year: 2020 - 2026; Minimum of $18,000 to finance; new vehicles only
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks (2013 - 2019) Loan 6.29% - 6.29% 66 months
Details Car & Truck Loan; Model Year: 2013 - 2019
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 8 times
5.79%6.29%6.79%Sep 18, 2026: 6.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2013-2019) Loan 6.29% - 6.29% 66 months
Details Model Year: 2013-2019
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 8 times
5.79%6.29%6.79%Sep 18, 2026: 6.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 7.09% - 7.09% 84 months
Details Model Year: 2020-2026; * Minimum of $18,000 to finance, untitled collateral only (UTV, tractors, snowmobile)
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 8 times
6.59%7.09%7.59%Sep 18, 2026: 7.09% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 7.29% - 7.29% 120 months
Details Model Year: 2020-2026; ^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.29% APR · checked 8 times
6.79%7.29%7.79%Sep 18, 2026: 7.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 7.79% - 7.79% 180 months
Details Model Year: 2020-2026; ^^ Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 8 times
7.29%7.79%8.29%Sep 18, 2026: 7.79% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks (2012 and older) Loan 7.99% - 7.99% 60 months
Details Car & Truck Loan; Model Year: 2012 and older
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 18, 2026: 7.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2012 and older) Loan 7.99% - 7.99% 60 months
Details Model Year: 2012 and older
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 18, 2026: 7.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 4.89% 4.89% 36 months
Details Model Year: 2020-2026; Payment per $1000 borrowed: $29.92 (not a rate)
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 4.89% 4.89% 60 months
Details Model Year: 2020-2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 4.89% 4.89% 36 months
Details Model Year: 2020-2026; Payment per $1000 borrowed not extracted; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Oct 26, 2026: 4.89% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 4.89% 4.89% 60 months
Details Model Year: 2020-2026; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Oct 26, 2026: 4.89% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 5.09% 5.09% 66 months
Details Model Year: 2020-2026
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 8 times
4.59%5.09%5.59%Sep 18, 2026: 5.09% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 5.09% 5.09% 66 months
Details Model Year: 2020-2026; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 5.09% APR · checked 2 times
4.59%5.09%5.59%Oct 26, 2026: 5.09% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 5.29% 5.29% 72 months
Details Model Year: 2020-2026; ** Minimum of $12,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 18, 2026: 5.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 5.29% 5.29% 72 months
Details Model Year: 2020-2026; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 5.29% APR · checked 2 times
4.79%5.29%5.79%Oct 26, 2026: 5.29% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 5.99% 5.99% 84 months
Details Model Year: 2020-2026; *** Minimum of $18,000 to finance; new vehicles only
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2013-2019) Loan 6.29% 6.29% 66 months
Details Model Year: 2013-2019
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 8 times
5.79%6.29%6.79%Sep 18, 2026: 6.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Recreational Vehicle Loan 6.29% 6.29% 66 months
Details Model Year: 2013-2019; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 6.29% APR · checked 2 times
5.79%6.29%6.79%Oct 26, 2026: 6.29% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 7.09% 7.09% 84 months
Details Model Year: 2020-2026; * Minimum of $18,000 to finance, untitled collateral only (UTV, tractors, snowmobile)
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 8 times
6.59%7.09%7.59%Sep 18, 2026: 7.09% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 7.09% 7.09% 84 months
Details Model Year: 2020-2026; Term footnote *: available for untitled collateral (UTVs, tractors, snowmobiles), minimum $18,000 to finance; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.09% APR · checked 2 times
6.59%7.09%7.59%Oct 26, 2026: 7.09% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 7.29% 7.29% 120 months
Details Model Year: 2020-2026; ^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.29% APR · checked 8 times
6.79%7.29%7.79%Sep 18, 2026: 7.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 7.29% 7.29% 120 months
Details Model Year: 2020-2026; Term footnote ^: available for boats, RVs, campers and compact tractors only, minimum $18,000 to finance; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.29% APR · checked 2 times
6.79%7.29%7.79%Oct 26, 2026: 7.29% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan 7.79% 7.79% 180 months
Details Model Year: 2020-2026; ^^ Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 8 times
7.29%7.79%8.29%Sep 18, 2026: 7.79% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan 7.79% 7.79% 180 months
Details Model Year: 2020-2026; Term footnote ^^: available for boats, RVs, campers and compact tractors only, minimum $25,000 to finance; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.79% APR · checked 2 times
7.29%7.79%8.29%Oct 26, 2026: 7.79% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2012 and older) Loan 7.99% 7.99% 60 months
Details Model Year: 2012 and older
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 18, 2026: 7.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Recreational Vehicle Loan 7.99% 7.99% 60 months
Details Model Year: 2012 and older; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 26, 2026: 7.99% APROct 26, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 10.99% 60 months
Details $10000- $25000
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 18, 2026: 10.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Signature Line of Credit 12.20%
Details Variable rate loan
Last Updated 10/29/2026
Rate History
No change since Oct 5, 2026 · 12.20% APR · checked 6 times
11.70%12.20%12.70%Oct 5, 2026: 12.20% APROct 5, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Personal Loans 12.99% 48 months
Details $1500 - $9999
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 12.99% APR · checked 9 times
12.49%12.99%13.49%Sep 18, 2026: 12.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Cloverbelt Credit Union Other Rates

Product Rate Points APY/APR Term View More
Construction Loan 5.50% - 6.987% 12 months
Details Variable interest-only payments during construction
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 10 times
6.49%6.99%7.49%Sep 18, 2026: 6.99% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Home Freedom Loan 7.79% - 7.79% 60 months
Details $5000-$25,000
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 9 times
7.29%7.79%8.29%Sep 18, 2026: 7.79% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Home Freedom Loan 8.29% - 8.29% 120 months
Details $5000-$25,000
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 8.29% APR · checked 9 times
7.79%8.29%8.79%Sep 18, 2026: 8.29% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Home Freedom Loan 8.79% - 8.79% 180 months
Details $5000-$25,000
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 8.79% APR · checked 9 times
8.29%8.79%9.29%Sep 18, 2026: 8.79% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Kwik Cash Line of Credit 12.80% - 12.80%
Details Variable rate loan
Last Updated 10/29/2026
Rate History
No change since Oct 5, 2026 · 12.80% APR · checked 6 times
12.30%12.80%13.30%Oct 5, 2026: 12.80% APROct 5, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Balloon/15 Year Term Loan 6.75% - 6.872% 180 months
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 6.87% APR · checked 10 times
6.37%6.87%7.37%Sep 18, 2026: 6.87% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Balloon/20 Year Term Loan 7.00% - 7.111% 240 months
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.11% APR · checked 10 times
6.61%7.11%7.61%Sep 18, 2026: 7.11% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Balloon/30 Year Term Loan 7.25% - 7.354% 360 months
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 7.35% APR · checked 10 times
6.85%7.35%7.85%Sep 18, 2026: 7.35% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%

Financial Health History

Cloverbelt Credit Union’s Texas Ratio rose from 0.66% in Q3 2023 to 1.52% 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.

0% 1.0★ 0.5% 2.0★ 1% 3.0★ 1.5% 4.0★ 2.1% 5.0★ Healthy zone – entire history below the 15% limit 0.66% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.52% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$354M1.52%5.0A+
March 31, 2026$350M1.18%5.0A+
December 31, 2025$342M0.82%5.0A+
September 30, 2025$334M0.70%5.0A+
June 30, 2025$332M0.15%5.0A+
March 31, 2025$325M0.84%5.0A+
December 31, 2024$318M0.40%5.0A+
September 30, 2024$310M0.53%5.0A+
June 30, 2024$311M0.29%5.0A+
March 31, 2024$314M0.96%5.0A+
December 31, 2023$315M1.26%5.0A+
September 30, 2023$313M0.66%5.0A+
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 Cloverbelt 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 Cloverbelt 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 Cloverbelt Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cloverbelt Credit Union
Address 110 McIndoe St, Wausau, WI 54403-4742
Phone 715-842-5693
Fax 715-842-0946
President Joel Breitzman
CEO Lisa Hieronimus
Full-Time Employees 61
Part-Time Employees 4
Branch Locations 4
ATM Locations 4
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
1.52%
Return on Assets (ROA)
0.4155%
Return on Equity (ROE)
3.3585%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
354,206,484
Total Amount of Shares and Deposits
308,044,218
Total Shares and Deposits < 1 Year
285,748,281
Total Shares and Deposits 1 3 Years
13,748,477
Total Shares and Deposits > 3 Years
8,547,460
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
20,689,952
Total Uninsured Shares and Deposits > $250K (F+J)
20,689,952
Total Insured Shares and Deposits > $250K (item 17 less item K)
287,354,266
Total Interest Expense (Sum of items 6 8)
2,867,755
Share Certificates
2,296
Number of Accounts for Share Drafts
8,028
IRA KEOGH Accounts
432
Number of Accounts for Regular Shares
16,463
All other shares
538
Non Member Deposits
3
Money Market Shares
988
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)
7,001,257
Total Liabilities
310,387,487
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Cloverbelt 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/cloverbelt-credit-union-rates-review-66844">
  <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

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Frequently Asked Questions About Cloverbelt Credit Union

Does Cloverbelt Credit Union offer CDs?

Yes. Cloverbelt Credit Union current CD rates include its 15-Month CD at 4.40% APY, its 18-Month CD at 4.25% APY and its 24-Month CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Cloverbelt Credit Union NCUA insured?

Yes. Cloverbelt 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 Cloverbelt Credit Union?

The highest Cloverbelt Credit Union CD rate is its 15-Month CD at 4.40% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Cloverbelt Credit Union offer?

Cloverbelt Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 13 month CD, 4.40% APY for a 15 month CD, 4.25% APY for an 18 month CD, 4.25% APY for a 2 year CD and 2.25% 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 Cloverbelt Credit Union for its full lineup.

What is the highest savings rate at Cloverbelt Credit Union?

The highest Cloverbelt Credit Union savings rate is its Saver's Sweepstakes Savings at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Cloverbelt Credit Union?

The highest Cloverbelt Credit Union money market rate is its Money Market Savings at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Cloverbelt Credit Union?

The highest Cloverbelt Credit Union checking rate is its Money Market Checking at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at Cloverbelt Credit Union?

The lowest Cloverbelt Credit Union mortgage rate is its 1st Mortgage - 10 Year Fixed Rate at 5.50%, verified by MonitorBankRates as of October 29, 2026. Cloverbelt Credit Union mortgage rates are 6.00% for a 15 year mortgage, 5.50% for a 10 year mortgage, 6.125% for a 3/1 ARM, 6.125% for a 5/1 ARM and 6.50% for a 10/1 ARM.

What is the lowest auto loan rate at Cloverbelt Credit Union?

The lowest Cloverbelt Credit Union auto loan rate is its New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan at 4.89%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Cloverbelt Credit Union?

The lowest Cloverbelt Credit Union personal loan rate is its Personal Loans at 10.99%, verified by MonitorBankRates as of October 29, 2026.

How many branches does Cloverbelt Credit Union operate?

Cloverbelt 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 Cloverbelt Credit Union?

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

Does Cloverbelt Credit Union offer online and mobile banking?

Most modern institutions like Cloverbelt 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.ccuwausau.com.

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 Cloverbelt Credit Union rates compare?

Cloverbelt Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Cloverbelt Credit Union's top rates are its 15-Month CD at 4.40% APY, its Money Market Savings at 2.75% APY, its Money Market Checking at 1.00% APY, its 1st Mortgage - 10 Year Fixed Rate at 5.50% and its Personal Loans at 10.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Cloverbelt Credit Union Rates

  • 12-Month CD3.50%
  • 18-Month CD1.35%
  • 24-Month CD1.50%
  • 60-Month CD2.25%
  • Savings2.75%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.