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Community Choice Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Community Choice Credit Union's 5-Year CD rates are at 0.50%, 4-Year CD rates are at 0.40%, 3-Year CD rates are at 0.35%, 2-Year CD rates are at 0.30%, 1-Year CD rates are at 0.25%. Community Choice Credit Union's savings rates are at 0.50%. Community Choice Credit Union's money market rates are at 4.10%. Community Choice Credit Union's checking rates are as high as 2.75%. Community Choice Credit Union's Personal Loan Rates are as low as 11.24%. Community Choice Credit Union's Credit Card Rates are at 12.24%. Community Choice Credit Union's CD rates are 90% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Community Choice Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.61%. Rates last updated and verified on 10/29/2026.
Community Choice 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 Community Choice Credit Union? Share your experience about Community Choice Credit Union by leaving a review below, or read customer reviews before you decide to use Community Choice Credit Union.
Community Choice Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Community Choice Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
5.61%
ExcellentLower than avg
Community Choice Credit Union Texas Ratio
Community Choice Credit Union's Texas Ratio is 5.61%, which is considered excellent and is lower than the national average of 6.13%.
Community Choice Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.13% to 5.61% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Community Choice Credit Union CD Rates
Product
Rate
APY
Term
View More
CD SPECIAL! 25-Month Certificate
-
4.30%
25 months
Min Deposit$500
Details$500 minimum-no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice. Not available for Public Units and Municipalities. Effective October 1, 2026.
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.30% ▲ 0.14 pts · high 4.30% / low 4.16%
Oct 9, 20264.30%▲ from 4.16%
Sep 14, 20264.16%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
SPECIAL! 25-Month IRA Certificate
-
4.30%
25 months
Min Deposit$500
DetailsEffective October 1, 2026; $500 minimum-no maximum; Penalty for early withdrawal applies; Special rate subject to change at any time without notice
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.30% ▲ 0.14 pts · high 4.30% / low 4.16%
Oct 13, 20264.30%▲ from 4.16%
Sep 14, 20264.16%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
CD SPECIAL! 15-Month Certificate
-
4.26%
15 months
Min Deposit$500
Details$500 minimum-no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice. Not available for Public Units and Municipalities. Effective October 1, 2026.
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.26% ▲ 0.15 pts · high 4.26% / low 4.11%
Oct 9, 20264.26%▲ from 4.11%
Sep 14, 20264.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
SPECIAL! 15-Month IRA Certificate
-
4.26%
15 months
Min Deposit$500
DetailsEffective October 1, 2026; $500 minimum-no maximum; Penalty for early withdrawal applies; Special rate subject to change at any time without notice
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.26% ▲ 0.15 pts · high 4.26% / low 4.11%
Oct 13, 20264.26%▲ from 4.11%
Sep 14, 20264.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
CD SPECIAL! 7-Month Certificate
-
4.15%
7 months
Min Deposit$500
Details$500 minimum-no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice. Not available for Public Units and Municipalities. Effective October 1, 2026.
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
Oct 9, 20264.15%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
SPECIAL! 7-Month IRA Certificate
-
4.15%
7 months
Min Deposit$500
DetailsEffective October 1, 2026; $500 minimum-no maximum; Penalty for early withdrawal applies; Special rate subject to change at any time without notice
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
Oct 13, 20264.15%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
5-Year Certificate
-
0.50%
5 years
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
4-Year Certificate
-
0.40%
4 years
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
3-Year Certificate
-
0.35%
3 years
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
2-Year Certificate
-
0.30%
2 years
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
1-Year Certificate
-
0.25%
1 year
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
1-Year IRA Certificate
-
0.25%
1 year
Min Deposit$100
DetailsEffective October 1, 2026; $100.00 minimum-no maximum; Penalty for early withdrawal applies; 1 year term subject to a 90 day dividend penalty
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
6-Month Certificate
-
0.15%
6 months
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
6-Month IRA Certificate
-
0.15%
6 months
Min Deposit$100
DetailsEffective October 1, 2026; $100.00 minimum-no maximum; Penalty for early withdrawal applies; 6 month term subject to a 60 day dividend penalty
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
3-Month Certificate
-
0.10%
3 months
DetailsEffective October 1, 2026.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Savings Rates
Product
Rate
APY
View More
Choice Savings
0.49%
0.50%
Min Deposit$5
Min Balance$500,000
DetailsBalance: $500,000 and above; Dividends paid monthly; Fees may reduce earnings
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.05%
0.05%
Min Balance$100
DetailsBalance: $100.00 and above
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
4.025%
4.10%
Min Balance$5,000,000
DetailsBalance: $5,000,000.00 and above
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market
2.472%
2.50%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market
2.472%
2.50%
Min Balance$500,000
DetailsBalance: $500,000.00 - $1,999,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market
2.472%
2.50%
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 - $4,999,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market
2.227%
2.25%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market
1.982%
2.00%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market
0.25%
0.25%
Min Balance$10,000
DetailsBalance: $10,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Checking Rates
Product
Rate
APY
View More
Choice Checking
2.716%
2.75%
Min Deposit$0
Min Balance$500,000
DetailsBalance: $500,000.00 and above; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
2.227%
2.25%
Min Deposit$0
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
2.031%
2.05%
Min Deposit$0
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
1.785%
1.80%
Min Deposit$0
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
0.399%
0.40%
Min Deposit$0
Min Balance$25,000
DetailsBalance: $25,000.00 - $49.999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
0.15%
0.15%
Min Deposit$0
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
0.10%
0.10%
Min Deposit$0
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Checking
0.00%
0.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $0.00 - $2,499.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
FlexChoice HELOC
-
-
6.75%
DetailsAs Low As; Up to 70% Loan to Value; Rate Type: Variable; Variable rate subject to change monthly based on prime rate and margin; Maximum APR 18.00%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan
-
-
6.99%
Up to 5 years
DetailsAs Low As; Up to 80% Loan to Value; Rate Type: Fixed
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.59% → 6.99% ▼ 0.60 pts · high 7.59% / low 6.99%
Oct 13, 20266.99%▼ from 7.59%
Oct 9, 20267.59%▲ from 6.99%
Sep 18, 20266.99%▼ from 7.59%
Sep 14, 20267.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
FlexChoice HELOC
-
-
7.00%
DetailsAs Low As; Up to 80% Loan to Value; Rate Type: Variable; Variable rate subject to change monthly based on prime rate and margin; Maximum APR 18.00%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.00% ▲ 0.01 pts · high 7.00% / low 6.99%
Oct 2, 20267.00%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
FlexChoice HELOC
-
-
7.24%
DetailsAs Low As; Up to 90% Loan to Value; Rate Type: Variable; Variable rate subject to change monthly based on prime rate and margin; Maximum APR 18.00%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99%
Oct 2, 20267.24%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan
-
-
7.24%
Up to 10 years
DetailsAs Low As; Up to 80% Loan to Value; Rate Type: Fixed
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 8.09% → 7.24% ▼ 0.85 pts · high 8.09% / low 7.24%
Oct 13, 20267.24%▼ from 8.09%
Oct 9, 20268.09%▲ from 7.24%
Sep 18, 20267.24%▼ from 8.09%
Sep 14, 20268.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan
-
-
7.49%
Up to 15 years
DetailsAs Low As; Up to 80% Loan to Value; Rate Type: Fixed
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.94% → 7.49% ▼ 0.45 pts · high 7.94% / low 7.49%
Oct 13, 20267.49%▼ from 7.94%
Oct 9, 20267.94%▲ from 7.49%
Sep 18, 20267.49%▼ from 7.94%
Sep 14, 20267.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan
-
-
7.59%
Up to 5 years
DetailsAs Low As; Fixed rates up to 90% Loan to Value; Rate Type: Fixed
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.59% → 7.59% ▼ 0.00 pts · high 7.59% / low 6.99%
Oct 9, 20267.59%▲ from 6.99%
Sep 18, 20266.99%▼ from 7.59%
Sep 14, 20267.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan
-
-
7.94%
Up to 15 years
DetailsAs Low As; Fixed rates up to 90% Loan to Value; Rate Type: Fixed
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.94% → 7.94% ▼ 0.00 pts · high 7.94% / low 7.49%
Oct 9, 20267.94%▲ from 7.49%
Sep 18, 20267.49%▼ from 7.94%
Sep 14, 20267.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan
-
-
8.09%
Up to 10 years
DetailsAs Low As; Fixed rates up to 90% Loan to Value; Rate Type: Fixed
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 8.09% → 8.09% ▼ 0.00 pts · high 8.09% / low 7.24%
Oct 9, 20268.09%▲ from 7.24%
Sep 18, 20267.24%▼ from 8.09%
Sep 14, 20268.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Investment FlexChoice HELOC
-
-
8.75%
DetailsAs Low As; Up to 70% Loan to Value; Rate Type: Variable; Variable rates up to 90% Loan to Value; Variable rate subject to change monthly based on prime rate and margin; Maximum APR is 18.00%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50%
Oct 2, 20268.75%▲ from 8.50%
Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans
-
-
5.74%
Up to 48 months
DetailsAs Low As; For new and used cars; Effective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Auto Loans
-
-
5.74%
49 to 60 months
DetailsAs Low As; For new and used cars; Minimum loan amount $10,000+; Effective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Auto Loans
-
-
5.74%
61 to 72 months
DetailsAs Low As; For new and used cars; Minimum loan amount $18,000+; Effective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Auto Loans
-
-
6.24%
73 to 84 months
DetailsAs Low As; For new and used cars; Minimum loan amount $25,000+; Effective September 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Motorcycles and Power Sport Vehicles Loan
-
-
8.49%
Up to 60 months
DetailsAs Low As; New and Used; Minimum loan amount $5,000; 50 basis points added to APR for refinance of existing Community Choice loans
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 8.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Motorcycles and Power Sport Vehicles Loan
-
-
8.74%
61 to 72 months
DetailsAs Low As; New and Used; Minimum loan amount $10,000; 50 basis points added to APR for refinance of existing Community Choice loans
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 8.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Motorcycles and Power Sport Vehicles Loan
-
-
9.24%
73 to 84 months
DetailsAs Low As; New and Used; Minimum loan amount $15,000; 50 basis points added to APR for refinance of existing Community Choice loans
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 9.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat & RV Loans - New and Used
-
7.49%
61 to 120 months
DetailsAs Low As; Minimum loan amount $10,000+; New and Used; Effective May 1, 2025
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Boat & RV Loans - New and Used
-
7.49%
121 to 144 months
DetailsAs Low As; Minimum loan amount $15,000+; New and Used; Effective May 1, 2025
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Boat & RV Loans - New and Used
-
7.49%
145 to 180 months
DetailsAs Low As; Minimum loan amount $25,000+; New and Used; Effective May 1, 2025
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Boat & RV Loans - New and Used
-
7.74%
Up to 60 months
DetailsAs Low As; Minimum loan amount $5,000+; New and Used; Effective May 1, 2025
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Boat & RV Loans - New and Used
-
7.99%
181 to 240 months
DetailsAs Low As; Minimum loan amount $75,000+; New and Used; Effective May 1, 2025
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Mastercard
-
12.24%
DetailsAs Low As; Community Choice Mastercard Credit Card; Rates effective October 1, 2026; variable APR
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99%
Oct 9, 202612.24%▲ from 11.99%
Sep 14, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Platinum Mastercard
-
12.90%
DetailsAs Low As; Community Choice Mastercard Credit Card
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65%
Oct 9, 202612.90%▲ from 12.65%
Sep 18, 202612.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
World Mastercard
-
17.24%
DetailsAs Low As; Community Choice Mastercard Credit Card; Rates effective October 1, 2026; variable APR
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 16.99% → 17.24% ▲ 0.25 pts · high 17.24% / low 16.99%
Oct 9, 202617.24%▲ from 16.99%
Sep 14, 202616.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
11.24%
DetailsAs Low As; Unsecured Loans; Personal Loan; APR*
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Community Choice Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
-
-
14.65%
DetailsAs Low As; Unsecured Loans; Personal Loan; APR*
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 14.40% → 14.65% ▲ 0.25 pts · high 14.65% / low 14.40%
Oct 9, 202614.65%▲ from 14.40%
Sep 14, 202614.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
1.00%
-
1.00%
Min Deposit$5
Min Balance$5
DetailsAges: 0-17; Balance: $5.00 - $500.00; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.01%
-
0.01%
Min Deposit$5
Min Balance$500
DetailsAges: 0-17; Balance: $500.01 - $9,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.05%
-
0.05%
Min Deposit$5
Min Balance$10,000
DetailsAges: 0-17; Balance: $10,000 - $24,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.10%
-
0.10%
Min Deposit$5
Min Balance$25,000
DetailsAges: 0-17; Balance: $25,000 - $49,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.15%
-
0.15%
Min Deposit$5
Min Balance$50,000
DetailsAges: 0-17; Balance: $50,000 - $99,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.25%
-
0.25%
Min Deposit$5
Min Balance$100,000
DetailsAges: 0-17; Balance: $100,000 - $249,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.40%
-
0.40%
Min Deposit$5
Min Balance$250,000
DetailsAges: 0-17; Balance: $250,000 - $499,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Captain Choice/My Choice
0.50%
-
0.50%
Min Deposit$5
Min Balance$500,000
DetailsAges: 0-17; Balance: $500,000 and above; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Daily IRA
0.05%
-
0.05%
Min Balance$100
DetailsBalance: $100.00 and over; Traditional, Roth, Coverdell, or Roth Conversion
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
No change since Oct 9, 2026 · 2.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Extended Insurance Accounts
-
-
2.648%
Min Deposit$250,000
Min Balance$500,000
DetailsBalance: $500,000.00 and up; Dividends paid monthly; Fees may reduce earnings
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Financial Health History
Community Choice Credit Union’s Texas Ratio rose from 4.13% in Q3 2023 to 5.61% 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)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$2.1B
5.61%
5.0
A+
March 31, 2026
$2.1B
6.16%
5.0
A
December 31, 2025
$2.0B
5.61%
5.0
A+
September 30, 2025
$2.0B
6.60%
5.0
A
June 30, 2025
$1.9B
4.72%
5.0
A+
March 31, 2025
$1.9B
3.81%
5.0
A+
December 31, 2024
$1.8B
6.48%
5.0
A
September 30, 2024
$1.8B
5.20%
5.0
A+
June 30, 2024
$1.8B
3.64%
5.0
A+
March 31, 2024
$1.8B
3.02%
5.0
A+
December 31, 2023
$1.8B
4.28%
5.0
A+
September 30, 2023
$1.8B
4.13%
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 Community Choice 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 Community Choice 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 Community Choice Credit Union's official website for the most current offers and terms.
Address
31155 Northwestern Hwy,
Farmington Hills, MI 48334-2502
Phone877-243-2528
Fax248-785-5110
PresidentBrian Wilson
CEORobert Bava
Full-Time Employees369
Part-Time Employees73
Branch Locations23
ATM Locations23
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
5.61%
Return on Assets (ROA)
0.6770%
Return on Equity (ROE)
7.1146%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
2,115,854,254
Total Amount of Shares and Deposits
1,822,985,056
Total Shares and Deposits < 1 Year
1,772,246,982
Total Shares and Deposits 1 3 Years
50,027,887
Total Shares and Deposits > 3 Years
710,187
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
278,649,879
Total Uninsured Shares and Deposits > $250K (F+J)
279,660,116
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,543,324,940
Total Interest Expense (Sum of items 6 8)
12,169,713
Share Certificates
11,882
Number of Accounts for Share Drafts
76,654
IRA KEOGH Accounts
2,138
Number of Accounts for Regular Shares
153,542
Non Member Deposits
10
Money Market Shares
205
Net Income (unless the amount is already included in Undivided Earnings)
14,324,383
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)
118,790,257
Total Liabilities
1,922,644,688
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Community Choice Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Community Choice Credit Union
Frequently Asked Questions About Community Choice Credit Union
Does Community Choice Credit Union offer CDs?
Yes. Community Choice Credit Union current CD rates include its 5-Year CD at 0.50% APY, its 4-Year CD at 0.40% APY and its 3-Year CD at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Community Choice Credit Union NCUA insured?
Yes. Community Choice 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 Community Choice Credit Union?
The highest Community Choice Credit Union CD rate is its CD SPECIAL! 25-Month CD at 4.30% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Community Choice Credit Union offer?
Community Choice Credit Union CD rates are 0.25% APY for a 12 month CD, 0.30% APY for a 2 year CD, 0.35% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.50% 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 Community Choice Credit Union for its full lineup.
What is the highest savings rate at Community Choice Credit Union?
The highest Community Choice Credit Union savings rate is its Choice Savings at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Community Choice Credit Union?
The highest Community Choice Credit Union money market rate is its Business Money Market at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Community Choice Credit Union?
The highest Community Choice Credit Union checking rate is its Choice Checking at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Community Choice Credit Union?
The lowest Community Choice Credit Union auto loan rate is its Auto Loans at 5.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Community Choice Credit Union?
The lowest Community Choice Credit Union personal loan rate is its Signature Loan at 11.24% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Community Choice Credit Union?
The lowest Community Choice Credit Union credit card APR is its Platinum Mastercard Credit Card at 12.24% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Community Choice Credit Union operate?
Community Choice 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 Community Choice Credit Union?
Yes, to access services at Community Choice 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, Community Choice 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, Community Choice Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Community Choice Credit Union offer online and mobile banking?
Most modern institutions like Community Choice 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.communitychoicecu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Community Choice Credit Union rates compare?
Community Choice Credit Union's CD rates are 90% lower than the MonitorBankRates national average, and it has an A+ health rating. Community Choice Credit Union's top rates are its CD SPECIAL! 25-Month CD at 4.30% APY, its Choice Savings at 0.50% APY, its Business Money Market at 4.10% APY, its Choice Checking at 2.75% APY, its Signature Loan at 11.24% APR and its Platinum Mastercard Credit Card at 12.24% APR, verified by MonitorBankRates on October 29, 2026.
Current Community Choice Credit Union Rates
12-Month CD0.25%
24-Month CD0.30%
60-Month CD0.50%
Savings0.50%
MMA4.10%
Retrieved from our database of financial products. Rates subject to change.