What are the current interest rates at Collegedale Credit Union?

Current rates for Collegedale Credit Union include: 12-Month CD: 0.25%

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Collegedale Credit Union

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Collegedale Credit Union Rates & Review September 2026

Q: How many branches does Collegedale Credit Union operate?

Collegedale 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.

Q: Is a member application needed to join Collegedale Credit Union?

Yes, to access services at Collegedale 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Collegedale Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Collegedale Credit Union's 6 Month IRA CD rates are at 4.33%, 12 Month IRA CD rates are at 4.28%, 3 Month IRA CD rates are at 1.06%, ESA-12 Month CD rates are at 0.25%, Roth IRA-12 Month CD rates are at 0.25%. Collegedale Credit Union's Personal Loan Rates are as low as 9.44%. MonitorBankRates evaluates the financial stability of Collegedale Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.21%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Collegedale Credit Union
Corporate Office

5046 University Drive
Collegedale, TN 37315

https://www.collegedale.org

Collegedale Credit Union CD Rates

Product	Rate	APY	Term
6 Month IRA Certificate	4.25%	4.33%	6 Months
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
12 Month IRA Certificate	4.20%	4.28%	12 Months
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
3 Month IRA Certificate	1.05%	1.06%	3 Months
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
ESA-12 Month Certificate	0.25%	0.25%	12 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Roth IRA-12 Month Certificate	0.25%	0.25%	12 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Traditional IRA-12 Month Certificate	0.25%	0.25%	12 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

Collegedale Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto (Current year, <5,000 miles)	-	-	3.89%
Details As low as; Grace Period for Repayment: 10 Days Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Used Auto <=99,999 miles	-	-	4.89%
Details As low as; Grace Period for Repayment: 10 Days Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Used Auto >=100,000 miles	-	-	6.89%
Details As low as; Grace Period for Repayment: 10 Days Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

Collegedale Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boats/RV/Motorcycle/Other Loan	-	8.14%
Details As low as; Grace Period for Repayment: 10 Days Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

Collegedale Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.44%
Details As low as; Rates are based on credit history, terms of loan, payment type, and other potential conditions. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

Collegedale Credit Union Other Rates

Product	Rate	Points	APY/APR
ESA-Share	0.20%	-	0.20%
Min Deposit $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Roth IRA-Share	0.20%	-	0.20%
Min Deposit $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%
Traditional IRA-Share	0.20%	-	0.20%
Min Deposit $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Collegedale Credit Union’s Texas Ratio fell from 1.52% in Q2 2023 to 0.21% in Q1 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$45M	0.21%	5.0	A+
December 31, 2025	$43M	2.51%	5.0	A+
September 30, 2025	$43M	9.17%	5.0	A
June 30, 2025	$42M	0.62%	5.0	A+
March 31, 2025	$43M	0.69%	5.0	A+
December 31, 2024	$42M	1.84%	5.0	A+
September 30, 2024	$45M	1.33%	5.0	A+
June 30, 2024	$41M	0.43%	5.0	A+
March 31, 2024	$44M	1.40%	5.0	A+
December 31, 2023	$45M	3.63%	5.0	A+
September 30, 2023	$45M	3.09%	5.0	A+
June 30, 2023	$47M	1.52%	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 Collegedale 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 Collegedale 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 Collegedale Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Collegedale Credit Union

Website https://www.collegedale.org

Address 5046 University Drive, Collegedale, TN 37315

Phone 423-396-2101

Fax 423-396-2702

President David Ruhling

CEO Joy Traxler

Full-Time Employees 9

Part-Time Employees 3

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.21%

Return on Assets (ROA)

0.1770%

Return on Equity (ROE)

1.9285%

Non-Performing Loans Ratio (NPL)

0.03%

Total Assets

44,663,588

Total Amount of Shares and Deposits

40,382,885

Total Shares and Deposits < 1 Year

40,382,885

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

1,576,378

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

1,576,378

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

38,806,507

Total Interest Expense (Sum of items 6 8)

77,887

Share Certificates

Number of Accounts for Share Drafts

2,062

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,311

All other shares

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

79,049

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)

3,361,063

Total Liabilities

40,564,611

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Collegedale 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 — no need to download or upload anything.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Collegedale Credit Union

How many branches does Collegedale Credit Union operate?

Collegedale 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 Collegedale Credit Union?

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

Does Collegedale Credit Union offer online and mobile banking?

Most modern institutions like Collegedale 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.collegedale.org.