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 Commodore Perry Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Commodore Perry Federal Credit Union's CDs - 60 month rates are at 3.03%, CDs - 48 month rates are at 2.27%, CDs - 36 month rates are at 2.02%, CDs - 24 month rates are at 1.51%, CDs - 18 month rates are at 1.36%. Commodore Perry Federal Credit Union's money market rates are at 4.00%. Commodore Perry Federal Credit Union's checking rates are as high as 4.00%. Commodore Perry Federal Credit Union's Personal Loan Rates are as low as 11.70%. Commodore Perry Federal Credit Union's CD rates are 38% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Commodore Perry Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.28%. Rates last updated and verified on 10/29/2026. Commodore Perry Federal 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 Commodore Perry Federal Credit Union? Share your experience about Commodore Perry Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Commodore Perry Federal Credit Union. Commodore Perry Federal Credit Union
COMMODORE PERRY FEDERAL CREDIT UNION 1016 S STATE ROUTE 19
https://www.cpfcu.coop/ OAK HARBOR, OH 43449  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Commodore Perry Federal Credit Union CD Rates
Commodore Perry Federal Credit Union Savings Rates
Commodore Perry Federal Credit Union Money Market Rates
Commodore Perry Federal Credit Union Checking Rates
Commodore Perry Federal Credit Union Home Equity & HELOC
Commodore Perry Federal Credit Union Auto Loan Rates
Commodore Perry Federal Credit Union RV, Boat and Powersport Loan Rates
Commodore Perry Federal Credit Union Personal Loan Rates
Commodore Perry Federal Credit Union Other Rates
Financial Health HistoryCommodore Perry Federal Credit Union’s Texas Ratio rose from 9.05% in Q3 2023 to 11.28% 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; 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Commodore Perry Federal 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 Commodore Perry Federal 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 Commodore Perry Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Commodore Perry Federal Credit Union
Website
https://www.cpfcu.coop/
Address
1016 S STATE ROUTE 19,
OAK HARBOR, OH 43449
Phone
419-898-3366
Fax
419-898-0065
President
CHARLEEN HAYES
CEO
ANGELA FINN
Full-Time Employees
33
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.28%
Return on Assets (ROA)
0.1400%
Return on Equity (ROE)
1.3716%
Non-Performing Loans Ratio (NPL)
1.82%
Total Assets
102,343,639
Total Amount of Shares and Deposits
87,041,509
Total Shares and Deposits < 1 Year
78,719,510
Total Shares and Deposits 1 3 Years
6,367,461
Total Shares and Deposits > 3 Years
1,954,538
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,977,317
Total Uninsured Shares and Deposits > $250K (F+J)
3,977,317
Total Insured Shares and Deposits > $250K (item 17 less item K)
83,064,192
Total Interest Expense (Sum of items 6 8)
784,318
Share Certificates
288
Number of Accounts for Share Drafts
4,700
IRA KEOGH Accounts
62
Number of Accounts for Regular Shares
8,332
All other shares
469
Non Member Deposits
30
Money Market Shares
553
Net Income (unless the amount is already included in Undivided Earnings)
143,300
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)
6,727,571
Total Liabilities
93,155,596
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Commodore Perry Federal Credit UnionDoes Commodore Perry Federal Credit Union offer CDs?Yes. Commodore Perry Federal Credit Union current CD rates include its CDs - 60 month at 3.03% APY, its CDs - 48 month at 2.27% APY and its CDs - 36 month at 2.02% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Commodore Perry Federal Credit Union NCUA insured?Yes. Commodore Perry Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Commodore Perry Federal Credit Union?The highest Commodore Perry Federal Credit Union CD rate is its CDs - 60 month at 3.03% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Commodore Perry Federal Credit Union offer?Commodore Perry Federal Credit Union CD rates are 1.26% APY for a 12 month CD, 1.36% APY for an 18 month CD, 1.51% APY for a 2 year CD, 2.02% APY for a 3 year CD, 2.27% APY for a 4 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Commodore Perry Federal Credit Union for its full lineup. What is the highest money market rate at Commodore Perry Federal Credit Union?The highest Commodore Perry Federal Credit Union money market rate is its Flagship Money Market Account at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Commodore Perry Federal Credit Union?The highest Commodore Perry Federal Credit Union checking rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Commodore Perry Federal Credit Union?The lowest Commodore Perry Federal Credit Union auto loan rate is its New and Used Vehicle Loans at 5.25% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Commodore Perry Federal Credit Union?The lowest Commodore Perry Federal Credit Union personal loan rate is its Personal Loans at 11.70% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Commodore Perry Federal Credit Union operate?Commodore Perry Federal 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 Commodore Perry Federal Credit Union?Yes, to access services at Commodore Perry Federal 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, Commodore Perry Federal 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, Commodore Perry Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Commodore Perry Federal Credit Union offer online and mobile banking?Most modern institutions like Commodore Perry Federal 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.cpfcu.coop/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Commodore Perry Federal Credit Union rates compare?Commodore Perry Federal Credit Union's CD rates are 38% lower than the MonitorBankRates national average, and it has an A health rating. Commodore Perry Federal Credit Union's top rates are its CDs - 60 month at 3.03% APY, its Flagship Money Market Account at 4.00% APY, its Kasasa Cash Checking at 4.00% APY and its Personal Loans at 11.70% APR, verified by MonitorBankRates on October 29, 2026. Current Commodore Perry Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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