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Collins Community Credit Union Rates & Review September 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: September 22, 2026
Collins Community Credit Union's 19 Month CD of Deposit rates are at 4.05%, 9 Month CD of Deposit rates are at 3.90%, 13 Month Liquid CD rates are at 3.50%, 12 Month CD of Deposit rates are at 1.00%, 18 Month CD of Deposit rates are at 0.75%. Collins Community Credit Union's savings rates are at 0.05%. Collins Community Credit Union's money market rates are at 0.01%. Collins Community Credit Union's Auto Loan Rates are as low as 4.14%. MonitorBankRates evaluates the financial stability of Collins Community Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.32%. Rates last updated and verified on 09/22/2026.
Collins Community 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 Collins Community Credit Union? Share your experience about Collins Community Credit Union by leaving a review below, or read customer reviews before you decide to use Collins Community Credit Union.
Overall Health & Safety Grade
?
B
Solid HealthScore: 85/100
Overall Health & Safety Grade
Collins Community Credit Union has earned an overall safety grade of B (Solid, Score: 85/100).
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
?
4.6
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Collins Community Credit Union has earned a Star Rating of 4.6 out of 5 stars (Excellent).
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
?
20.32%
GoodHigher than avg
Collins Community Credit Union Texas Ratio
Collins Community Credit Union's Texas Ratio is 20.32%, which is considered good and is higher than the national average of 6.13%.
While Collins Community Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.51% to 20.32% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.6, Health Grade A+ to B
The Texas Ratio for this credit union has weakened since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsBalance: $5.00-$999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$1,000
DetailsBalance: $1,000.00-$9,999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$10,000
DetailsBalance: $10,000.00-$49,999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$50,000
DetailsBalance: $50,000.00-$99,999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$100,000
DetailsBalance: $100,000.00-$249,999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$250,000
DetailsBalance: $250,000.00-$499,999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$500,000
DetailsBalance: $500,000.00-$999,999.99; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
3.02%
3.05%
Min Balance$1,000,000
DetailsBalance: $1,000,000 or more; With an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
2.83%
2.86%
Min Balance$1,000,000
DetailsBalance: $1,000,000 or more
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
2.63%
2.66%
Min Balance$500,000
DetailsBalance: $500,000.00-$999,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
2.43%
2.45%
Min Balance$250,000
DetailsBalance: $250,000.00-$499,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
2.33%
2.35%
Min Balance$1,000,000
DetailsBalance: $1,000,000 or more
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
2.14%
2.16%
Min Balance$100,000
DetailsBalance: $100,000.00-$249,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
2.13%
2.15%
Min Balance$500,000
DetailsBalance: $500,000.00-$999,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
1.93%
1.94%
Min Balance$250,000
DetailsBalance: $250,000.00-$499,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
1.74%
1.75%
Min Balance$50,000
DetailsBalance: $50,000.00-$99,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
1.64%
1.65%
Min Balance$100,000
DetailsBalance: $100,000.00-$249,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
1.34%
1.35%
Min Balance$50,000
DetailsBalance: $50,000.00-$99,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
1.25%
1.26%
Min Balance$10,000
DetailsBalance: $10,000.00-$49,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
0.75%
0.75%
Min Balance$10,000
DetailsBalance: $10,000.00-$49,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$5
DetailsBalance: $5.00-$999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$1,000
DetailsBalance: $1,000.00-$9,999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$10,000
DetailsBalance: $10,000.00-$49,999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$50,000
DetailsBalance: $50,000.00-$99,999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$100,000
DetailsBalance: $100,000.00-$249,999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$250,000
DetailsBalance: $250,000.00-$499,999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$500,000
DetailsBalance: $500,000.00-$999,999.99; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
0.75%
0.75%
Min Balance$1,000,000
DetailsBalance: $1,000,000 or more; Without an active checking account
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Signature Money Market
-
0.75%
Min Deposit$1,000
Min Balance$5
DetailsQualifications Required: 10 withdrawals and 1 deposit per month; Must meet membership eligibility requirements. To be eligible for the bonus dividend rate, a Collins Community CU checking account must be present, active, and meet certain monthly activity requirements. Each month, the checking account must have a minimum of ten (10) withdrawals and one (1) deposit. If the activity requirements are not met, the account will not be eligible for the bonus rate during that month and the base dividend rate will be paid. Dividends are paid quarterly and vary by tier. This account is subject to an early closure fee and monthly minimum balance fee.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
0.55%
0.55%
Min Balance$1,000
DetailsBalance: $1,000.00-$9,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Money Market
0.51%
0.51%
Min Balance$5
DetailsBalance: $5.00-$999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000.00-$9,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Money Market Plus
0.01%
0.01%
Min Balance$5
DetailsBalance: $5.00-$999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Collins Community Credit Union Checking Rates
Product
Rate
APY
View More
Advantage Checking
4.75%
4.85%
Min Balance$25,000
DetailsBalance: $25,000 or less
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Advantage Protect Checking
4.75%
4.85%
Min Balance$25,000
DetailsBalance: $25,000 or less
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Community Checking
0.25%
0.25%
No additional details.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Business Plus Checking
0.10%
0.10%
No additional details.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Small Business Checking
0.10%
0.10%
No additional details.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Advantage Checking
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000.01-$30,000
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Advantage Protect Checking
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000.01-$30,000
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Advantage Checking
0.01%
0.01%
Min Balance$30,000
DetailsBalance: $30,000.01-account balance
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Advantage Protect Checking
0.01%
0.01%
Min Balance$30,000
DetailsBalance: $30,000.01-account balance
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Collins Community Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Closed-End Home Equity Loan - Loyalty
-
-
6.25%
120 months
DetailsAdvance Amount: 80% of AVM or Appraised Value; Loyalty APR as low as*
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Closed-End Home Equity Loan
-
-
6.50%
120 months
DetailsAdvance Amount: 80% of AVM or Appraised Value; As Low As APR*
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Closed-End Home Equity Loan - Loyalty
-
-
6.75%
120 months
DetailsAdvance Amount: 90% of AVM or Appraised Value; Loyalty APR as low as*
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Home Equity 60 Month Fully Amortized - Loyalty
-
-
6.90%
60 months
DetailsAdvance Amount: 80% of AVM or Appraised Value
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Closed-End Home Equity Loan
-
-
7.00%
120 months
DetailsAdvance Amount: 90% of AVM or Appraised Value; As Low As APR*
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Closed-End Home Equity Loan
-
-
7.15%
5 year fixed rate
DetailsRate includes Loyalty Discount of 0.25%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Home Equity 60 Month Fully Amortized
-
-
7.15%
60 months
DetailsAdvance Amount: 80% of AVM or Appraised Value
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Home Equity 120 Month Fully Amortized - Loyalty
-
-
7.50%
120 months
DetailsAdvance Amount: 80% of AVM or Appraised Value
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Closed-End Home Equity Loan
-
-
7.75%
10 year fixed rate
DetailsRate includes Loyalty Discount of 0.25%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Home Equity 120 Month Fully Amortized
-
-
7.75%
120 months
DetailsAdvance Amount: 80% of AVM or Appraised Value
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Home Equity 121-180 Month Fully Amortized - Loyalty
-
-
7.75%
180 months
DetailsAdvance Amount: 80% of AVM or Appraised Value
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Home Equity 121-180 Month Fully Amortized
-
-
8.00%
180 months
DetailsAdvance Amount: 80% of AVM or Appraised Value
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Collins Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
2024 to 2026 Auto Loan
-
-
4.14%
Up to 60 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
4.49%
Up to 60 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
4.64%
Up to 60 Months
DetailsAs Low As; Loyalty APR: 4.14%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
4.74%
Up to 72 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
4.89%
Up to 72 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
4.94%
Up to 78 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
4.99%
Up to 60 Months
DetailsAs Low As; Loyalty APR: 4.49%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
5.09%
Up to 78 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
5.14%
Up to 84 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
5.24%
Up to 72 Months
DetailsAs Low As; Loyalty APR: 4.74%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
5.34%
Up to 84 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
5.39%
Up to 72 Months
DetailsAs Low As; Loyalty APR: 4.89%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
5.44%
Up to 78 Months
DetailsAs Low As; Loyalty APR: 4.94%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
5.59%
Up to 78 Months
DetailsAs Low As; Loyalty APR: 5.09%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2024 to 2026 Auto Loan
-
-
5.64%
Up to 84 Months
DetailsAs Low As; Loyalty APR: 5.14%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2021 to 2023 Auto Loan
-
-
5.84%
Up to 84 Months
DetailsAs Low As; Loyalty APR: 5.34%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2017 to 2020 Auto Loan
-
-
6.24%
Up to 60 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2017 to 2020 Auto Loan
-
-
6.34%
Up to 66 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2017 to 2020 Auto Loan
-
-
6.44%
Up to 72 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2017 to 2020 Auto Loan
-
-
6.74%
Up to 60 Months
DetailsAs Low As; Loyalty APR: 6.24%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2017 to 2020 Auto Loan
-
-
6.84%
Up to 66 Months
DetailsAs Low As; Loyalty APR: 6.34%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2017 to 2020 Auto Loan
-
-
6.94%
Up to 72 Months
DetailsAs Low As; Loyalty APR: 6.44%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2016 and Older Auto Loan
-
-
8.94%
Up to 60 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2016 and Older Auto Loan
-
-
9.14%
Up to 66 Months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2016 and Older Auto Loan
-
-
9.44%
Up to 60 Months
DetailsAs Low As; Loyalty APR: 8.94%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
2016 and Older Auto Loan
-
-
9.64%
Up to 66 Months
DetailsAs Low As; Loyalty APR: 9.14%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Collins Community Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles - 2024 to 2026 Loan
-
5.74%
Up to 60 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
5.84%
Up to 72 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
5.94%
Up to 60 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
5.99%
Up to 60 months
DetailsAs Low As; Loyalty APR: 5.74%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.04%
Up to 72 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
6.04%
Up to 78 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
6.09%
Up to 72 months
DetailsAs Low As; Loyalty APR: 5.84%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.19%
Up to 60 months
DetailsAs Low As; Loyalty APR: 5.94%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.24%
Up to 78 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
6.24%
Up to 84 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.29%
Up to 72 months
DetailsAs Low As; Loyalty APR: 6.04%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
6.29%
Up to 78 months
DetailsAs Low As; Loyalty APR: 6.04%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.44%
Up to 84 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.49%
Up to 78 months
DetailsAs Low As; Loyalty APR: 6.24%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2024 to 2026 Loan
-
6.49%
Up to 84 months
DetailsAs Low As; Loyalty APR: 6.24%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2021 to 2023 Loan
-
6.69%
Up to 84 months
DetailsAs Low As; Loyalty APR: 6.44%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2017 to 2020 Loan
-
6.84%
Up to 60 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2024 to 2027 Loan
-
6.85%
Up to 60 months
Detailsup to $7,500; As Low As; Loyalty APR: 6.60%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2017 to 2020 Loan
-
6.94%
Up to 72 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2017 to 2020 Loan
-
7.04%
Up to 78 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2017 to 2020 Loan
-
7.09%
Up to 60 months
DetailsAs Low As; Loyalty APR: 6.84%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2024 to 2027 Loan
-
7.15%
61-84 months
Details$7,501 - $12,999; As Low As; Loyalty APR: 6.90%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2017 to 2020 Loan
-
7.19%
Up to 72 months
DetailsAs Low As; Loyalty APR: 6.94%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2017 to 2020 Loan
-
7.29%
Up to 78 months
DetailsAs Low As; Loyalty APR: 7.04%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2020 to 2023 Loan
-
7.45%
Up to 60 months
Detailsup to $7,500; As Low As; Loyalty APR: 7.20%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2024 to 2027 Loan
-
7.45%
85-120 months
Details$13,000 - $17,999; As Low As; Loyalty APR: 7.20%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational - 2024 to 2026 Loan
-
7.60%
Up to 72 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2024 to 2027 Loan
-
7.75%
121-144 months
Details$18,000 - $24,999; As Low As; Loyalty APR: 7.50%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2019 and Older Loan
-
7.85%
Up to 60 months
Detailsup to $7,500; As Low As; Loyalty APR: 7.60%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational - 2024 to 2026 Loan
-
7.85%
Up to 72 months
DetailsAs Low As; Loyalty APR: 7.60%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational - 2020 to 2023 Loan
-
7.90%
Up to 60 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2024 to 2027 and up Loan
-
7.95%
145-180 months
Details$25,000; As Low As; Loyalty APR: 7.70%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2020 to 2023 Loan
-
8.05%
61-84 months
Details$7,501 - $12,999; As Low As; Loyalty APR: 7.80%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2019 and Older Loan
-
8.15%
61-84 months
Details$7,501 - $12,999; As Low As; Loyalty APR: 7.90%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational - 2020 to 2023 Loan
-
8.15%
Up to 60 months
DetailsAs Low As; Loyalty APR: 7.90%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational - 2019 and Older Loan
-
8.20%
Up to 36 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2024 to 2027 and up Loan
-
8.35%
181-240 months
Details$25,000; As Low As; Loyalty APR: 8.10%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2020 to 2023 Loan
-
8.45%
85-120 months
Details$13,000 - $17,999; As Low As; Loyalty APR: 8.20%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational - 2019 and Older Loan
-
8.45%
Up to 36 months
DetailsAs Low As; Loyalty APR: 8.20%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2019 and Older Loan
-
8.65%
85-120 months
Details$13,000 - $17,999; As Low As; Loyalty APR: 8.40%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2020 to 2023 Loan
-
8.75%
121-144 months
Details$18,000 - $24,999; As Low As; Loyalty APR: 8.50%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles Loan
-
8.85%
60 months
DetailsRate includes Loyalty Discount of 0.25%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account. Checking account must have at least 5 transactions including a direct deposit.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers Loan
-
8.85%
60 months
DetailsRate includes Loyalty Discount of 0.25%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account. Checking account must have at least 5 transactions including a direct deposit.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Snowmobiles, Jet Skis, and Other Non-Recreational Loan
-
8.85%
60 months
DetailsRate includes Loyalty Discount of 0.25%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account. Checking account must have at least 5 transactions including a direct deposit.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2019 and Older Loan
-
9.05%
121-144 months
Details$18,000 - $24,999; As Low As; Loyalty APR: 8.80%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2020 to 2023 and up Loan
-
9.05%
145-180 months
Details$25,000; As Low As; Loyalty APR: 8.80%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2016 and older Loan
-
9.54%
Up to 60 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2016 and older Loan
-
9.74%
Up to 66 months
DetailsLoyalty APR
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2016 and older Loan
-
9.79%
Up to 60 months
DetailsAs Low As; Loyalty APR: 9.54%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2019 and Older and up Loan
-
9.85%
145-180 months
Details$25,000; As Low As; Loyalty APR: 9.60%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Motorcycles - 2016 and older Loan
-
9.99%
Up to 66 months
DetailsAs Low As; Loyalty APR: 9.74%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
RV's, Boats, and Travel Trailers - Model Years 2020 to 2023 and up Loan
-
10.45%
181-240 months
Details$25,000; As Low As; Loyalty APR: 10.20%
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Collins Community Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Gold Equity Access Line Loan
-
-
7.50%
10 year
DetailsTerm: 10 year variable rate; APR is variable. Rate may vary based on credit score, type of loan and term, and is subject to change. Certain restrictions apply. Loyalty Discount of 0.25%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account. Checking account must have at least 5 transactions including a direct deposit. Closing costs may range from $236.00 to $500.00 in Iowa. There are no application, annual, maintenance or transaction fees associated with this account. The Gold Equity Access Line variable rate is based on the Prime Rate with a variable-rate minimum APR of 4.00% and a maximum APR of 11%.
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Coverdell Education Savings Accounts
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0.01 to $999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Coverdell Education Savings Accounts
0.05%
-
0.05%
Min Balance$1,000
DetailsBalance: $1,000.00 to $4,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Coverdell Education Savings Accounts
0.05%
-
0.05%
Min Balance$5,000
DetailsBalance: $5,000.00 to $14,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Coverdell Education Savings Accounts
0.15%
-
0.15%
Min Balance$15,000
DetailsBalance: $15,000.00 to $49,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Coverdell Education Savings Accounts
0.15%
-
0.15%
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Coverdell Education Savings Accounts
0.30%
-
0.30%
Min Balance$100,000
DetailsBalance: $100,000.00 or more
Last Updated09/22/2026
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 20.32%
Financial Health History
Collins Community Credit Union’s Texas Ratio rose from 5.51% in Q2 2023 to 20.32% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A+ to B. 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
$1.5B
20.32%
4.6
B
December 31, 2025
$1.5B
21.62%
4.5
B
September 30, 2025
$1.5B
21.19%
4.5
B
June 30, 2025
$1.6B
19.60%
4.6
B
March 31, 2025
$1.6B
9.72%
5.0
A
December 31, 2024
$1.6B
16.22%
4.9
A-
September 30, 2024
$1.7B
9.70%
5.0
A
June 30, 2024
$1.7B
16.16%
4.9
A-
March 31, 2024
$1.6B
15.42%
5.0
A-
December 31, 2023
$1.6B
11.08%
5.0
A
September 30, 2023
$1.6B
6.62%
5.0
A
June 30, 2023
$1.7B
5.51%
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 Collins Community 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 Collins Community 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 Collins Community Credit Union's official website for the most current offers and terms.
Address
1005 Blairs Ferry Rd NE,
Cedar Rapids, IA 52402-1292
Phone319-393-9000
Fax319-378-3399
PresidentJon Buse
CEOJason MacDonald
Full-Time Employees200
Part-Time Employees9
Branch Locations9
ATM Locations1
NCUA Insured✓ Yes — Up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (85/100)
Texas Ratio
20.32%
Return on Assets (ROA)
0.0227%
Return on Equity (ROE)
0.2902%
Non-Performing Loans Ratio (NPL)
2.51%
Total Assets
1,544,390,473
Total Amount of Shares and Deposits
1,389,746,858
Total Shares and Deposits < 1 Year
1,315,881,568
Total Shares and Deposits 1 3 Years
71,496,651
Total Shares and Deposits > 3 Years
2,368,639
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
229,716,311
Total Uninsured Shares and Deposits > $250K (F+J)
229,716,311
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,160,030,547
Total Interest Expense (Sum of items 6 8)
7,567,047
Share Certificates
7,084
Number of Accounts for Share Drafts
42,838
IRA KEOGH Accounts
1,931
Number of Accounts for Regular Shares
128,123
All other shares
864
Non Member Deposits
50
Money Market Shares
4,565
Net Income (unless the amount is already included in Undivided Earnings)
244,627
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)
99,110,717
Total Liabilities
1,440,101,513
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Collins Community Credit Union
How many branches does Collins Community Credit Union operate?
Collins Community 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 Collins Community Credit Union?
Yes, to access services at Collins Community 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, Collins Community 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, Collins Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Collins Community Credit Union offer online and mobile banking?
Most modern institutions like Collins Community 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.collinscu.org.
Current Collins Community Credit Union Rates
12-Month CD1.00%
18-Month CD0.75%
24-Month CD0.50%
Savings0.05%
MMA0.01%
Retrieved from our database of financial products. Rates subject to change.