MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. CO-OP Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

CO-OP Credit Union Rates & Review October 2026

CO-OP Credit Union's top rates as of October 9, 2026 are 6.00% APY on its 12 Month Youth Saver CD, 1.70% APY on savings, 2.25% APY on money market accounts, 2.25% APY on checking, 6.49% on its 3/1 ARM mortgage, personal loans from 9.90% APR, and credit cards from 11.88% APR, according to rates verified by MonitorBankRates. Other CO-OP Credit Union CD rates include 18 Month IRA CD at 4.75%, 18 Month Business CD at 4.70%, and 18 Month CD at 4.70%. Other CO-OP Credit Union mortgage rates include 10 Year Fixed Rate at 6.55%, 15 Year Fixed Rate at 6.90%, and Mortgage - 10/1 ARM at 7.05%. MonitorBankRates evaluates the financial stability of CO-OP Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.54%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.54%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
CO-OP Credit Union
Main Office
100 E Main St
Black River Falls, WI 54615
https://www.coopcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

CO-OP Credit Union CD Rates

Product Rate APY Term View More
12 Month Youth Saver Certificate 5.87% 6.00% 12 month
Min Deposit $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
12 Month Youth Saver Certificate - 6.00% 12 months
Min Deposit $100
Details Youth under the age of 18 can open a 12-month Youth Saver Certificate with up to $3,000 at 6.00% APY*. Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
18 Month IRA Certificate 4.67% 4.75% 18 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 3.95% → 4.75% ▲ 0.80 pts · high 4.75% / low 3.95%
3.15%4.35%5.55%Oct 5, 2026: 3.95% APYOct 9, 2026: 4.75% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.75%▲ from 3.95%
  • Oct 5, 20263.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
18 Month Certificate 4.62% 4.70% 18 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 3.90% → 4.70% ▲ 0.80 pts · high 4.70% / low 3.90%
3.10%4.30%5.50%Oct 5, 2026: 3.90% APYOct 9, 2026: 4.70% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.70%▲ from 3.90%
  • Oct 5, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
14 Month IRA Certificate 4.57% 4.65% 14 month special
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.65% APY
4.15%4.65%5.15%Oct 9, 2026: 4.65% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
14 Month Certificate Special 4.52% 4.60% 14 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYOct 9, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
12 Month Health Savings Account Certificate 4.28% 4.35% 12 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.85%
3.35%4.10%4.85%Oct 5, 2026: 3.85% APYOct 9, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 3.85%
  • Oct 5, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
12 Month IRA Certificate 4.28% 4.35% 12 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.85%
3.35%4.10%4.85%Oct 5, 2026: 3.85% APYOct 9, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.35%▲ from 3.85%
  • Oct 5, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
12 Month Certificate 4.23% 4.30% 12 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 9, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
60 Month Health Savings Account Certificate 3.41% 3.45% 60 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.90% → 3.45% ▲ 0.55 pts · high 3.45% / low 2.90%
2.35%3.18%4.00%Oct 5, 2026: 2.90% APYOct 9, 2026: 3.45% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 2.90%
  • Oct 5, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
60 Month IRA Certificate 3.41% 3.45% 60 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.90% → 3.45% ▲ 0.55 pts · high 3.45% / low 2.90%
2.35%3.18%4.00%Oct 5, 2026: 2.90% APYOct 9, 2026: 3.45% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 2.90%
  • Oct 5, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
60 Month Certificate 3.36% 3.40% 60 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.85% → 3.40% ▲ 0.55 pts · high 3.40% / low 2.85%
2.30%3.13%3.95%Oct 5, 2026: 2.85% APYOct 9, 2026: 3.40% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.40%▲ from 2.85%
  • Oct 5, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
48 Month IRA Certificate 3.31% 3.35% 48 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.90% → 3.35% ▲ 0.45 pts · high 3.35% / low 2.90%
2.40%3.13%3.85%Oct 5, 2026: 2.90% APYOct 9, 2026: 3.35% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.35%▲ from 2.90%
  • Oct 5, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
48 Month Certificate 3.26% 3.30% 48 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.85% → 3.30% ▲ 0.45 pts · high 3.30% / low 2.85%
2.35%3.08%3.80%Oct 5, 2026: 2.85% APYOct 9, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.30%▲ from 2.85%
  • Oct 5, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
36 Month Health Savings Account Certificate 3.21% 3.25% 36 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Oct 5, 2026: 2.90% APYOct 9, 2026: 3.25% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.25%▲ from 2.90%
  • Oct 5, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
36 Month IRA Certificate 3.21% 3.25% 36 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Oct 5, 2026: 2.90% APYOct 9, 2026: 3.25% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.25%▲ from 2.90%
  • Oct 5, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
24 Month IRA Certificate 3.16% 3.20% 24 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Oct 5, 2026: 2.90% APYOct 9, 2026: 3.20% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.20%▲ from 2.90%
  • Oct 5, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
36 Month Certificate 3.16% 3.20% 36 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.85% → 3.20% ▲ 0.35 pts · high 3.20% / low 2.85%
2.35%3.03%3.70%Oct 5, 2026: 2.85% APYOct 9, 2026: 3.20% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.20%▲ from 2.85%
  • Oct 5, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
24 Month Certificate 3.11% 3.15% 24 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.85% → 3.15% ▲ 0.30 pts · high 3.15% / low 2.85%
2.35%3.00%3.65%Oct 5, 2026: 2.85% APYOct 9, 2026: 3.15% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.15%▲ from 2.85%
  • Oct 5, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
6 Month IRA Certificate 3.03% 3.05% 6 month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.05% → 3.05% ▲ 1.00 pts · high 3.05% / low 2.05%
1.05%2.55%4.05%Oct 5, 2026: 2.05% APYOct 9, 2026: 3.05% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.05%▲ from 2.05%
  • Oct 5, 20262.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
6 Month Certificate 2.98% 3.00% 6 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Oct 5, 2026 · 2.00% → 3.00% ▲ 1.00 pts · high 3.00% / low 2.00%
1.00%2.50%4.00%Oct 5, 2026: 2.00% APYOct 9, 2026: 3.00% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.00%▲ from 2.00%
  • Oct 5, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Business CD Rates

Product Rate APY Term View More
18 Month Business Certificate 4.62% 4.70% 18 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.70% ▲ 0.80 pts · high 4.70% / low 3.90%
3.10%4.30%5.50%Sep 22, 2026: 3.90% APYOct 9, 2026: 4.70% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.70%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
14 Month Business Certificate 4.52% 4.60% 14 month special
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 9, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
12 Month Business Certificate 4.23% 4.30% 12 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 22, 2026: 3.80% APYOct 9, 2026: 4.30% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.80%
  • Sep 22, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
60 Month Business Certificate 3.36% 3.40% 60 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.40% ▲ 0.55 pts · high 3.40% / low 2.85%
2.30%3.13%3.95%Sep 22, 2026: 2.85% APYOct 9, 2026: 3.40% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.40%▲ from 2.85%
  • Sep 22, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
48 Month Business Certificate 3.26% 3.30% 48 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.30% ▲ 0.45 pts · high 3.30% / low 2.85%
2.35%3.08%3.80%Sep 22, 2026: 2.85% APYOct 9, 2026: 3.30% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.30%▲ from 2.85%
  • Sep 22, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
36 Month Business Certificate 3.16% 3.20% 36 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.20% ▲ 0.35 pts · high 3.20% / low 2.85%
2.35%3.03%3.70%Sep 22, 2026: 2.85% APYOct 9, 2026: 3.20% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.20%▲ from 2.85%
  • Sep 22, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
24 Month Business Certificate 3.11% 3.15% 24 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 2.85% → 3.15% ▲ 0.30 pts · high 3.15% / low 2.85%
2.35%3.00%3.65%Sep 22, 2026: 2.85% APYOct 9, 2026: 3.15% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.15%▲ from 2.85%
  • Sep 22, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
6 Month Business Certificate 2.98% 3.00% 6 month
Min Balance $100
Last Updated 10/09/2026
Rate History
1 change since Sep 22, 2026 · 2.00% → 3.00% ▲ 1.00 pts · high 3.00% / low 2.00%
1.00%2.50%4.00%Sep 22, 2026: 2.00% APYOct 9, 2026: 3.00% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.00%▲ from 2.00%
  • Sep 22, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Savings Rates

Product Rate APY View More
Super Share Savings 1.69% 1.70%
Min Balance $50,000
Details Balance: $50,000 & over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Super Share Savings 1.49% 1.50%
Min Balance $40,000
Details Balance: $40,000 < $50,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
GoalSetter Savings 1.39% 1.40%
Details balances up to $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Super Share Savings 1.39% 1.40%
Min Balance $30,000
Details Balance: $30,000 < $40,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Super Share Savings 1.34% 1.35%
Min Balance $20,000
Details Balance: $20,000 < $30,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 7 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Super Share Savings 1.19% 1.20%
Min Balance $10,000
Details Balance: $10,000 < $20,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Super Share Savings 0.85% 0.85%
Min Balance $5,000
Details Balance: $5,000 < $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Super Share Savings 0.80% 0.80%
Min Balance $1,000
Details Balance: $1,000 < $5,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 7 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Health Savings Account 0.60% 0.60%
Min Balance $10,000
Details Balance: $10,000 & over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Health Savings Account 0.45% 0.45%
Min Balance $0
Details Balance: 0 < $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Escrow Savings 0.17% 0.17%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.17% APY · checked 7 times
0.00%0.34%0.67%Sep 14, 2026: 0.17% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Share Savings 0.15% 0.15%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Business Savings Rates

Product Rate APY View More
Business Super Share Savings 1.69% 1.70%
Min Balance $50,000
Details Balance: $50,000 & over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Super Share Savings 1.49% 1.50%
Min Balance $40,000
Details Balance: $40,000 < $50,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business GoalSetter Savings 1.39% 1.40%
Details balances up to $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Super Share Savings 1.39% 1.40%
Min Balance $30,000
Details Balance: $30,000 < $40,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Super Share Savings 1.34% 1.35%
Min Balance $20,000
Details Balance: $20,000 < $30,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 6 times
0.85%1.35%1.85%Sep 14, 2026: 1.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Super Share Savings 1.19% 1.20%
Min Balance $10,000
Details Balance: $10,000 < $20,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 6 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Super Share Savings 0.85% 0.85%
Min Balance $5,000
Details Balance: $5,000 < $10,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Super Share Savings 0.80% 0.80%
Min Balance $1,000
Details Balance: $1,000 < $5,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Share Savings 0.15% 0.15%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 2.23% 2.25%
Min Balance $250,000
Details Balance: $250,000 & over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Money Market Account 2.13% 2.15%
Min Balance $100,000
Details Balance: $100,000 < $250,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Money Market Account 1.84% 1.85%
Min Balance $50,000
Details Balance: $50,000 < $100,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 7 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Money Market Account 1.74% 1.75%
Min Balance $25,000
Details Balance: $25,000 < $50,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Money Market Account 1.39% 1.40%
Min Balance $10,000
Details Balance: $10,000 < $25,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market Account 2.23% 2.25%
Min Balance $250,000
Details Balance: $250,000 & over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Money Market Account 2.13% 2.15%
Min Balance $100,000
Details Balance: $100,000 < $250,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 6 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Money Market Account 1.84% 1.85%
Min Balance $50,000
Details Balance: $50,000 < $100,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Money Market Account 1.74% 1.75%
Min Balance $25,000
Details Balance: $25,000 < $50,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Business Money Market Account 1.39% 1.40%
Min Balance $10,000
Details Balance: $10,000 < $25,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Checking Rates

Product Rate APY View More
Reward Checking 2.23% 2.25%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Share Draft Checking 0.05% 0.05%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Business Checking Rates

Product Rate APY View More
Business Share Draft Checking 0.05% 0.05%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Mortgage Rates

Product Rate Points APR Term View More
10 Year Fixed Rate 6.55% - 6.699% 10 Year
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.95% → 6.70% ▲ 0.75 pts · high 6.70% / low 5.95%
5.20%6.32%7.45%Sep 14, 2026: 5.95% APROct 2, 2026: 6.20% APROct 9, 2026: 6.70% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.70%▲ from 6.20%
  • Oct 2, 20266.20%▲ from 5.95%
  • Sep 14, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
15 Year Fixed Rate 6.90% - 7.007% 15 Year
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.26% → 7.01% ▲ 0.75 pts · high 7.01% / low 6.26%
5.50%6.63%7.76%Sep 14, 2026: 6.26% APROct 2, 2026: 6.51% APROct 9, 2026: 7.01% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.01%▲ from 6.51%
  • Oct 2, 20266.51%▲ from 6.26%
  • Sep 14, 20266.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Mortgage - 10/1 ARM 7.05% - 7.493% 10/1 ARM
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 26, 2026 · 7.02% → 7.49% ▲ 0.47 pts · high 7.49% / low 7.02%
6.52%7.26%7.99%Sep 26, 2026: 7.02% APROct 9, 2026: 7.49% APRSep 26, 2026Oct 13, 2026
  • Oct 9, 20267.49%▲ from 7.02%
  • Sep 26, 20267.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Mortgage - 7/1 ARM 6.80% - 7.528% 7/1 ARM
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 26, 2026 · 7.07% → 7.53% ▲ 0.46 pts · high 7.53% / low 7.07%
6.57%7.30%8.03%Sep 26, 2026: 7.07% APROct 9, 2026: 7.53% APRSep 26, 2026Oct 13, 2026
  • Oct 9, 20267.53%▲ from 7.07%
  • Sep 26, 20267.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Mortgage - 5/1 ARM 6.70% - 7.656% 5/1 ARM
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 26, 2026 · 7.20% → 7.66% ▲ 0.46 pts · high 7.66% / low 7.20%
6.70%7.43%8.16%Sep 26, 2026: 7.20% APROct 9, 2026: 7.66% APRSep 26, 2026Oct 13, 2026
  • Oct 9, 20267.66%▲ from 7.20%
  • Sep 26, 20267.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Mortgage - 3/1 ARM 6.49% - 7.816% 3/1 ARM
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 26, 2026 · 7.37% → 7.82% ▲ 0.45 pts · high 7.82% / low 7.37%
6.87%7.59%8.32%Sep 26, 2026: 7.37% APROct 9, 2026: 7.82% APRSep 26, 2026Oct 13, 2026
  • Oct 9, 20267.82%▲ from 7.37%
  • Sep 26, 20267.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.49%
Details 3-year Lock at 6.49%
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99%
5.49%6.24%6.99%Sep 14, 2026: 5.99% APROct 9, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.49%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto & Recreational Vehicle Loans - - 4.44% 24 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.44% APR · checked 6 times
3.94%4.44%4.94%Sep 18, 2026: 4.44% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - - 4.44% 36 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.44% APR · checked 6 times
3.94%4.44%4.94%Sep 18, 2026: 4.44% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - - 4.54% 48 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 7 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New Auto/Truck/Motorcycle only - - 4.64% 24 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 5, 2026: 4.64% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New Auto/Truck/Motorcycle only - - 4.64% 36 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 5, 2026: 4.64% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - - 4.74% 60 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New Auto/Truck/Motorcycle only - - 4.84% 48 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.84% APR · checked 2 times
4.34%4.84%5.34%Oct 5, 2026: 4.84% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New Auto/Truck/Motorcycle only - - 4.99% 60 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 5, 2026: 4.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - - 5.14% 72 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 7 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
New Auto/Truck/Motorcycle only - - 5.44% 72 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.44% APR · checked 2 times
4.94%5.44%5.94%Oct 5, 2026: 5.44% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - New Auto/Truck/Motorcycle only - - 6.19% 84 Month
Details New Auto/Truck/Motorcycle only
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.19% APR · checked 2 times
5.69%6.19%6.69%Oct 5, 2026: 6.19% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Auto & Recreational Vehicle Loans - 4.44% 24 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.44% APR · checked 6 times
3.94%4.44%4.94%Sep 18, 2026: 4.44% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - 4.44% 36 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.44% APR · checked 6 times
3.94%4.44%4.94%Sep 18, 2026: 4.44% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - 4.54% 48 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 7 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - 4.74% 60 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - 5.14% 72 Month
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 7 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Auto & Recreational Vehicle Loans - New Auto/Truck/Motorcycle only - 6.19% 84 Month
Details New Auto/Truck/Motorcycle only
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.19% APR · checked 2 times
5.69%6.19%6.69%Oct 5, 2026: 6.19% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 11.88%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.88% APR · checked 7 times
11.38%11.88%12.38%Sep 14, 2026: 11.88% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 9.90%
Details As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 7 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

CO-OP Credit Union Other Rates

Product Rate Points APY/APR Term View More
15 Year Fixed Rate (Secondary Market) 7.00% - 7.107% 15 Year
Last Updated 10/09/2026
Rate History
4 changes since Sep 14, 2026 · 6.36% → 7.11% ▲ 0.75 pts · high 7.11% / low 6.36%
5.60%6.73%7.86%Sep 14, 2026: 6.36% APRSep 18, 2026: 6.61% APRSep 26, 2026: 6.73% APROct 1, 2026: 6.98% APROct 9, 2026: 7.11% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.11%▲ from 6.98%
  • Oct 1, 20266.98%▲ from 6.73%
  • Sep 26, 20266.73%▲ from 6.61%
  • Sep 18, 20266.61%▲ from 6.36%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
20 Year Fixed Rate (Secondary Market) 7.50% - 7.588% 20 Year
Last Updated 10/09/2026
Rate History
4 changes since Sep 14, 2026 · 6.84% → 7.59% ▲ 0.75 pts · high 7.59% / low 6.84%
6.08%7.21%8.34%Sep 14, 2026: 6.84% APRSep 18, 2026: 7.09% APRSep 26, 2026: 7.21% APROct 1, 2026: 7.46% APROct 9, 2026: 7.59% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.59%▲ from 7.46%
  • Oct 1, 20267.46%▲ from 7.21%
  • Sep 26, 20267.21%▲ from 7.09%
  • Sep 18, 20267.09%▲ from 6.84%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
30 Year Fixed Rate (Secondary Market) 7.375% - 7.443% 30 Year
Last Updated 10/09/2026
Rate History
4 changes since Sep 14, 2026 · 6.69% → 7.44% ▲ 0.75 pts · high 7.44% / low 6.69%
5.94%7.07%8.20%Sep 14, 2026: 6.69% APRSep 18, 2026: 6.94% APRSep 26, 2026: 7.07% APROct 1, 2026: 7.32% APROct 9, 2026: 7.44% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.44%▲ from 7.32%
  • Oct 1, 20267.32%▲ from 7.07%
  • Sep 26, 20267.07%▲ from 6.94%
  • Sep 18, 20266.94%▲ from 6.69%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Home Construction Loan 5.95% - 6.639%
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.94% → 6.64% ▲ 0.70 pts · high 6.64% / low 5.94%
5.24%6.29%7.34%Sep 14, 2026: 5.94% APROct 9, 2026: 6.64% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.64%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Used 2019 & Older Loan - - 4.89% 24 Month
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Used 2019 & Older Loan - - 4.89% 36 Month
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Used 2019 & Older Loan - - 5.09% 48 Month
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.09% APR · checked 7 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Used 2019 & Older Loan - - 5.29% 60 Month
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 7 times
4.79%5.29%5.79%Sep 14, 2026: 5.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Used 2019 & Older Loan - - 6.19% 72 Month
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.19% APR · checked 7 times
5.69%6.19%6.69%Sep 14, 2026: 6.19% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Funeral Trust 0.15% - 0.15%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Individual Retirement Account 0.45% - 0.45%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%
Youth Saver Certificate - - 6.00% 12 months
Min Deposit $100
Details Limit one Youth Saver Certificate per member under the age of 18. Maximum deposit of $3,000. Once the member turns 18, the certificate will automatically renew into a 12-month share certificate at the current rate on the date of maturity.
Last Updated 10/09/2026
Rate History
No change since Sep 22, 2026 · 6.00% APY · checked 5 times
5.50%6.00%6.50%Sep 22, 2026: 6.00% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.54%

Financial Health History

CO-OP Credit Union’s Texas Ratio rose from 2.02% in Q3 2023 to 5.54% in Q2 2026, so its financial health has held steady at a healthy level 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★ 1.9% 2.0★ 3.7% 3.0★ 5.6% 4.0★ 7.5% 5.0★ Healthy zone – entire history below the 15% limit 2.02% 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 5.54% 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$627M5.54%5.0A+
March 31, 2026$615M3.23%5.0A+
December 31, 2025$601M5.11%5.0A+
September 30, 2025$573M3.65%5.0A+
June 30, 2025$571M3.75%5.0A+
March 31, 2025$567M3.46%5.0A+
December 31, 2024$572M3.28%5.0A+
September 30, 2024$543M2.74%5.0A+
June 30, 2024$540M2.87%5.0A+
March 31, 2024$537M2.11%5.0A+
December 31, 2023$534M2.56%5.0A+
September 30, 2023$522M2.02%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 CO-OP 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 CO-OP 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 CO-OP Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CO-OP Credit Union
Address 100 E Main St, Black River Falls, WI 54615
Phone 800-258-0023
Fax 715-284-5112
President Timothy Torkelson
CEO Timothy Tranberg
Full-Time Employees 91
Part-Time Employees 19
Branch Locations 10
ATM Locations 9
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.54%
Return on Assets (ROA)
0.5602%
Return on Equity (ROE)
4.8516%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
626,753,158
Total Amount of Shares and Deposits
548,203,492
Total Shares and Deposits < 1 Year
508,756,814
Total Shares and Deposits 1 3 Years
38,395,069
Total Shares and Deposits > 3 Years
1,051,609
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
68,922,924
Total Uninsured Shares and Deposits > $250K (F+J)
68,922,924
Total Insured Shares and Deposits > $250K (item 17 less item K)
479,280,568
Total Interest Expense (Sum of items 6 8)
5,883,054
Share Certificates
6,442
Number of Accounts for Share Drafts
17,114
IRA KEOGH Accounts
2,485
Number of Accounts for Regular Shares
33,583
All other shares
767
Money Market Shares
482
Net Income (unless the amount is already included in Undivided Earnings)
3,510,759
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)
27,787,579
Total Liabilities
554,440,891
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

CO-OP Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/co-op-credit-union-rates-review-66983">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for CO-OP Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for CO-OP Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About CO-OP Credit Union

How many branches does CO-OP Credit Union operate?

CO-OP 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 CO-OP Credit Union?

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

Does CO-OP Credit Union offer online and mobile banking?

Most modern institutions like CO-OP 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.coopcu.com.

Current CO-OP Credit Union Rates

  • 12-Month CD4.30%
  • 18-Month CD4.70%
  • 24-Month CD3.15%
  • 60-Month CD3.40%
  • Savings1.70%
  • MMA2.25%
Retrieved from our database of financial products. Rates subject to change.