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Cloverbelt Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 29, 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.
Cloverbelt Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Cloverbelt Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.52%
ExcellentLower than avg
Cloverbelt Credit Union Texas Ratio
Cloverbelt Credit Union's Texas Ratio is 1.52%, which is considered excellent and is lower than the national average of 6.13%.
Cloverbelt Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.66% to 1.52% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.50% ▲ 2.25 pts · high 3.50% / low 1.25%
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 10 times
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 Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.75% → 2.00% ▲ 1.25 pts · high 2.00% / low 0.75%
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 10 times
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
DetailsBalance: $75,000+
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
2.03%
2.05%
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
1.20%
1.20%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
0.75%
0.75%
Min Balance$2,000
DetailsBalance: Up to $9,999.99
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 3 times
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
DetailsDividend rate and APY as printed; $25 minimum for dividends; prize-linked savings account with monthly, quarterly and annual cash prize drawings
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
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
DetailsBalance: $75,000+
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
2.03%
2.05%
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
1.20%
1.20%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
0.75%
0.75%
Min Balance$2,000
DetailsBalance: Up to $9,999.99
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 3 times
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
DetailsBalance: $10,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Checking
0.75%
0.75%
Min Balance$2,000
DetailsBalance: $0.00 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.75% APY · checked 4 times
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
DetailsSingle-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.65% APR · checked 10 times
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
DetailsSingle-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.11% APR · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.41% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 5/1 ARM
6.125%
-
6.568%
360 months
DetailsARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27%
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
DetailsARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 6.65% ▲ 0.15 pts · high 6.65% / low 6.50%
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
DetailsARM rate/APR effective 09/28/2026 for initial term; adjusts to then-current fully indexed rate afterward
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.28% → 6.66% ▲ 0.37 pts · high 6.66% / low 6.28%
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
DetailsSingle-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.27% APR · checked 10 times
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
DetailsSingle-family primary residence, max 80% LTV; fixed rate for life of loan
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.76% APR · checked 10 times
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
DetailsModel Year: 2020-2026; Payment per $1000 borrowed: $29.92 (not a rate)
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
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
DetailsModel Year: 2020-2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2020 - 2026; Payment per $1000 is not a rate
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2020 - 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
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
DetailsModel Year: 2020-2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2020 - 2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 8 times
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
DetailsModel Year: 2020-2026; ** Minimum of $12,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2020 - 2026; Minimum of $12,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 8 times
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
DetailsModel Year: 2020-2026; *** Minimum of $18,000 to finance; new vehicles only
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2020 - 2026; Minimum of $18,000 to finance; new vehicles only
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2013 - 2019
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 8 times
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
DetailsModel Year: 2013-2019
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 8 times
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
DetailsModel Year: 2020-2026; * Minimum of $18,000 to finance, untitled collateral only (UTV, tractors, snowmobile)
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 8 times
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
DetailsModel Year: 2020-2026; ^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.29% APR · checked 8 times
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
DetailsModel Year: 2020-2026; ^^ Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 8 times
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
DetailsCar & Truck Loan; Model Year: 2012 and older
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 8 times
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
DetailsModel Year: 2012 and older
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 8 times
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
DetailsModel Year: 2020-2026; Payment per $1000 borrowed: $29.92 (not a rate)
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
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
DetailsModel Year: 2020-2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
4.89%
4.89%
36 months
DetailsModel 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 Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
4.89%
4.89%
60 months
DetailsModel Year: 2020-2026; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.89% APR · checked 2 times
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
DetailsModel Year: 2020-2026
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
5.09%
5.09%
66 months
DetailsModel Year: 2020-2026; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.09% APR · checked 2 times
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
DetailsModel Year: 2020-2026; ** Minimum of $12,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
5.29%
5.29%
72 months
DetailsModel Year: 2020-2026; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.29% APR · checked 2 times
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
DetailsModel Year: 2020-2026; *** Minimum of $18,000 to finance; new vehicles only
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 8 times
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
DetailsModel Year: 2013-2019
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Recreational Vehicle Loan
6.29%
6.29%
66 months
DetailsModel Year: 2013-2019; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.29% APR · checked 2 times
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
DetailsModel Year: 2020-2026; * Minimum of $18,000 to finance, untitled collateral only (UTV, tractors, snowmobile)
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
7.09%
7.09%
84 months
DetailsModel 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 Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.09% APR · checked 2 times
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
DetailsModel Year: 2020-2026; ^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.29% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
7.29%
7.29%
120 months
DetailsModel 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 Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.29% APR · checked 2 times
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
DetailsModel Year: 2020-2026; ^^ Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicle Loan
7.79%
7.79%
180 months
DetailsModel 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 Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.79% APR · checked 2 times
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
DetailsModel Year: 2012 and older
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Recreational Vehicle Loan
7.99%
7.99%
60 months
DetailsModel Year: 2012 and older; Rates quoted are lowest available and may vary by credit; Minimum of $15,000 to finance
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Signature Line of Credit
12.20%
DetailsVariable rate loan
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 12.20% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Personal Loans
12.99%
48 months
Details$1500 - $9999
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 12.99% APR · checked 9 times
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
DetailsVariable interest-only payments during construction
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 9 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.29% APR · checked 9 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.79% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Kwik Cash Line of Credit
12.80%
-
12.80%
DetailsVariable rate loan
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 12.80% APR · checked 6 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.87% APR · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.11% APR · checked 10 times
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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.35% APR · checked 10 times
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.
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
$354M
1.52%
5.0
A+
March 31, 2026
$350M
1.18%
5.0
A+
December 31, 2025
$342M
0.82%
5.0
A+
September 30, 2025
$334M
0.70%
5.0
A+
June 30, 2025
$332M
0.15%
5.0
A+
March 31, 2025
$325M
0.84%
5.0
A+
December 31, 2024
$318M
0.40%
5.0
A+
September 30, 2024
$310M
0.53%
5.0
A+
June 30, 2024
$311M
0.29%
5.0
A+
March 31, 2024
$314M
0.96%
5.0
A+
December 31, 2023
$315M
1.26%
5.0
A+
September 30, 2023
$313M
0.66%
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 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.
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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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.