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Community Choice Credit Union Rates & Review November 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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.61%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Community Choice Credit Union
Community Choice Credit Union
31155 Northwestern Hwy
Farmington Hills, MI 48334-2502
https://www.communitychoicecu.com
Member NCUA
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.

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 Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.30% ▲ 0.14 pts · high 4.30% / low 4.16%
3.66%4.23%4.80%Sep 14, 2026: 4.16% APYOct 9, 2026: 4.30% APYSep 14, 2026Nov 2, 2026
  • 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
Details Effective October 1, 2026; $500 minimum-no maximum; Penalty for early withdrawal applies; Special rate subject to change at any time without notice
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.16% → 4.30% ▲ 0.14 pts · high 4.30% / low 4.16%
3.66%4.23%4.80%Sep 14, 2026: 4.16% APYOct 13, 2026: 4.30% APYSep 14, 2026Nov 2, 2026
  • 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 Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.26% ▲ 0.15 pts · high 4.26% / low 4.11%
3.61%4.19%4.76%Sep 14, 2026: 4.11% APYOct 9, 2026: 4.26% APYSep 14, 2026Nov 2, 2026
  • 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
Details Effective October 1, 2026; $500 minimum-no maximum; Penalty for early withdrawal applies; Special rate subject to change at any time without notice
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.11% → 4.26% ▲ 0.15 pts · high 4.26% / low 4.11%
3.61%4.19%4.76%Sep 14, 2026: 4.11% APYOct 13, 2026: 4.26% APYSep 14, 2026Nov 2, 2026
  • 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 Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 14, 2026Nov 2, 2026
  • 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
Details Effective October 1, 2026; $500 minimum-no maximum; Penalty for early withdrawal applies; Special rate subject to change at any time without notice
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 13, 2026: 4.15% APYSep 14, 2026Nov 2, 2026
  • 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
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
4-Year Certificate - 0.40% 4 years
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
3-Year Certificate - 0.35% 3 years
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
2-Year Certificate - 0.30% 2 years
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
1-Year Certificate - 0.25% 1 year
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
1-Year IRA Certificate - 0.25% 1 year
Min Deposit $100
Details Effective October 1, 2026; $100.00 minimum-no maximum; Penalty for early withdrawal applies; 1 year term subject to a 90 day dividend penalty
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
6-Month Certificate - 0.15% 6 months
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
6-Month IRA Certificate - 0.15% 6 months
Min Deposit $100
Details Effective October 1, 2026; $100.00 minimum-no maximum; Penalty for early withdrawal applies; 6 month term subject to a 60 day dividend penalty
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
3-Month Certificate - 0.10% 3 months
Details Effective October 1, 2026.
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $500,000 and above; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Savings 0.39% 0.40%
Min Deposit $5
Min Balance $250,000
Details Balance: $250,000 - $499,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Savings 0.25% 0.25%
Min Deposit $5
Min Balance $100,000
Details Balance: $100,000 - $249,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Savings 0.15% 0.15%
Min Deposit $5
Min Balance $50,000
Details Balance: $50,000 - $99,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Savings 0.10% 0.10%
Min Deposit $5
Min Balance $25,000
Details Balance: $25,000 - $49,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Savings 0.05% 0.05%
Min Deposit $5
Min Balance $10,000
Details Balance: $10,000 - $24,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Choice Savings 0.01% 0.01%
Min Deposit $5
Min Balance $100
Details Balance: $100.00 - $9,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $100.00 and above
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $5,000,000.00 and above
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market 2.472% 2.50%
Min Balance $250,000
Details Balance: $250,000.00 - $499,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market 2.472% 2.50%
Min Balance $500,000
Details Balance: $500,000.00 - $1,999,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Nov 2, 2026
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
Details Balance: $2,000,000.00 - $4,999,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market 2.227% 2.25%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market 1.982% 2.00%
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Business Money Market 0.25% 0.25%
Min Balance $10,000
Details Balance: $10,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $500,000.00 and above; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $250,000.00 - $499,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $100,000.00 - $249,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 9 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $50,000.00 - $99,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 9 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $25,000.00 - $49.999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $10,000.00 - $24,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $2,500.00 - $9,999.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 2, 2026
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
Details Balance: $0.00 - $2,499.99; No minimum to open. Fees may reduce earnings. Interest not available on Basic Checking accounts
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 2, 2026
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%
Details As 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 Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 10 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Home Equity Loan - - 6.99% Up to 5 years
Details As Low As; Up to 80% Loan to Value; Rate Type: Fixed
Last Updated 10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.59% → 6.99% ▼ 0.60 pts · high 7.59% / low 6.99%
6.39%7.29%8.19%Sep 14, 2026: 7.59% APRSep 18, 2026: 6.99% APROct 9, 2026: 7.59% APROct 13, 2026: 6.99% APRSep 14, 2026Nov 2, 2026
  • 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%
Details As 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 Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.00% ▲ 0.01 pts · high 7.00% / low 6.99%
6.49%7.00%7.50%Sep 14, 2026: 6.99% APROct 2, 2026: 7.00% APRSep 14, 2026Nov 2, 2026
  • 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%
Details As 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 Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99%
6.49%7.12%7.74%Sep 14, 2026: 6.99% APROct 2, 2026: 7.24% APRSep 14, 2026Nov 2, 2026
  • 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
Details As Low As; Up to 80% Loan to Value; Rate Type: Fixed
Last Updated 10/29/2026
Rate History
3 changes since Sep 14, 2026 · 8.09% → 7.24% ▼ 0.85 pts · high 8.09% / low 7.24%
6.39%7.67%8.94%Sep 14, 2026: 8.09% APRSep 18, 2026: 7.24% APROct 9, 2026: 8.09% APROct 13, 2026: 7.24% APRSep 14, 2026Nov 2, 2026
  • 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
Details As Low As; Up to 80% Loan to Value; Rate Type: Fixed
Last Updated 10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.94% → 7.49% ▼ 0.45 pts · high 7.94% / low 7.49%
6.99%7.72%8.44%Sep 14, 2026: 7.94% APRSep 18, 2026: 7.49% APROct 9, 2026: 7.94% APROct 13, 2026: 7.49% APRSep 14, 2026Nov 2, 2026
  • 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
Details As Low As; Fixed rates up to 90% Loan to Value; Rate Type: Fixed
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.59% → 7.59% ▼ 0.00 pts · high 7.59% / low 6.99%
6.39%7.29%8.19%Sep 14, 2026: 7.59% APRSep 18, 2026: 6.99% APROct 9, 2026: 7.59% APRSep 14, 2026Nov 2, 2026
  • 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
Details As Low As; Fixed rates up to 90% Loan to Value; Rate Type: Fixed
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.94% → 7.94% ▼ 0.00 pts · high 7.94% / low 7.49%
6.99%7.72%8.44%Sep 14, 2026: 7.94% APRSep 18, 2026: 7.49% APROct 9, 2026: 7.94% APRSep 14, 2026Nov 2, 2026
  • 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
Details As Low As; Fixed rates up to 90% Loan to Value; Rate Type: Fixed
Last Updated 10/29/2026
Rate History
2 changes since Sep 14, 2026 · 8.09% → 8.09% ▼ 0.00 pts · high 8.09% / low 7.24%
6.39%7.67%8.94%Sep 14, 2026: 8.09% APRSep 18, 2026: 7.24% APROct 9, 2026: 8.09% APRSep 14, 2026Nov 2, 2026
  • 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%
Details As 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 Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50%
8.00%8.63%9.25%Sep 14, 2026: 8.50% APROct 2, 2026: 8.75% APRSep 14, 2026Nov 2, 2026
  • 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
Details As Low As; For new and used cars; Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 22, 2026: 5.74% APRSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Auto Loans - - 5.74% 49 to 60 months
Details As Low As; For new and used cars; Minimum loan amount $10,000+; Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 22, 2026: 5.74% APRSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Auto Loans - - 5.74% 61 to 72 months
Details As Low As; For new and used cars; Minimum loan amount $18,000+; Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 22, 2026: 5.74% APRSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Auto Loans - - 6.24% 73 to 84 months
Details As Low As; For new and used cars; Minimum loan amount $25,000+; Effective September 1, 2026
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Nov 2, 2026
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
Details As Low As; New and Used; Minimum loan amount $5,000; 50 basis points added to APR for refinance of existing Community Choice loans
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 22, 2026: 8.49% APRSep 22, 2026Nov 2, 2026
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
Details As Low As; New and Used; Minimum loan amount $10,000; 50 basis points added to APR for refinance of existing Community Choice loans
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 8.74% APR · checked 5 times
8.24%8.74%9.24%Sep 22, 2026: 8.74% APRSep 22, 2026Nov 2, 2026
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
Details As Low As; New and Used; Minimum loan amount $15,000; 50 basis points added to APR for refinance of existing Community Choice loans
Last Updated 10/29/2026
Rate History
No change since Sep 22, 2026 · 9.24% APR · checked 5 times
8.74%9.24%9.74%Sep 22, 2026: 9.24% APRSep 22, 2026Nov 2, 2026
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
Details As Low As; Minimum loan amount $10,000+; New and Used; Effective May 1, 2025
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 26, 2026: 7.49% APROct 26, 2026Nov 2, 2026
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
Details As Low As; Minimum loan amount $15,000+; New and Used; Effective May 1, 2025
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 26, 2026: 7.49% APROct 26, 2026Nov 2, 2026
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
Details As Low As; Minimum loan amount $25,000+; New and Used; Effective May 1, 2025
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 26, 2026: 7.49% APROct 26, 2026Nov 2, 2026
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
Details As Low As; Minimum loan amount $5,000+; New and Used; Effective May 1, 2025
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Oct 26, 2026: 7.74% APROct 26, 2026Nov 2, 2026
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
Details As Low As; Minimum loan amount $75,000+; New and Used; Effective May 1, 2025
Last Updated 10/29/2026
Rate History
No change since Oct 26, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 26, 2026: 7.99% APROct 26, 2026Nov 2, 2026
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%
Details As Low As; Community Choice Mastercard Credit Card; Rates effective October 1, 2026; variable APR
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99%
11.49%12.12%12.74%Sep 14, 2026: 11.99% APROct 9, 2026: 12.24% APRSep 14, 2026Nov 2, 2026
  • 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%
Details As Low As; Community Choice Mastercard Credit Card
Last Updated 10/29/2026
Rate History
1 change since Sep 18, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65%
12.15%12.78%13.40%Sep 18, 2026: 12.65% APROct 9, 2026: 12.90% APRSep 18, 2026Nov 2, 2026
  • 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%
Details As Low As; Community Choice Mastercard Credit Card; Rates effective October 1, 2026; variable APR
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 16.99% → 17.24% ▲ 0.25 pts · high 17.24% / low 16.99%
16.49%17.12%17.74%Sep 14, 2026: 16.99% APROct 9, 2026: 17.24% APRSep 14, 2026Nov 2, 2026
  • 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%
Details As Low As; Unsecured Loans; Personal Loan; APR*
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 9 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Nov 2, 2026
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%
Details As Low As; Unsecured Loans; Personal Loan; APR*
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 14.40% → 14.65% ▲ 0.25 pts · high 14.65% / low 14.40%
13.90%14.53%15.15%Sep 14, 2026: 14.40% APROct 9, 2026: 14.65% APRSep 14, 2026Nov 2, 2026
  • 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
Details Ages: 0-17; Balance: $5.00 - $500.00; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $500.01 - $9,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $10,000 - $24,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $25,000 - $49,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $50,000 - $99,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $100,000 - $249,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $250,000 - $499,999.99; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Nov 2, 2026
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
Details Ages: 0-17; Balance: $500,000 and above; Dividends paid monthly on aggregate balance with Choice Goals
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Daily IRA 0.05% - 0.05%
Min Balance $100
Details Balance: $100.00 and over; Traditional, Roth, Coverdell, or Roth Conversion
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.61%
Extended Insurance Accounts - - 2.398%
Min Deposit $250,000
Min Balance $250,000
Details Balance: $250,000.01 - $499,999.99; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Oct 9, 2026: 2.40% APYOct 9, 2026Nov 2, 2026
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
Details Balance: $500,000.00 and up; Dividends paid monthly; Fees may reduce earnings
Last Updated 10/29/2026
Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Oct 9, 2026: 2.65% APYOct 9, 2026Nov 2, 2026
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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.13% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 A Q1 2026 5.61% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.1B5.61%5.0A+
March 31, 2026$2.1B6.16%5.0A
December 31, 2025$2.0B5.61%5.0A+
September 30, 2025$2.0B6.60%5.0A
June 30, 2025$1.9B4.72%5.0A+
March 31, 2025$1.9B3.81%5.0A+
December 31, 2024$1.8B6.48%5.0A
September 30, 2024$1.8B5.20%5.0A+
June 30, 2024$1.8B3.64%5.0A+
March 31, 2024$1.8B3.02%5.0A+
December 31, 2023$1.8B4.28%5.0A+
September 30, 2023$1.8B4.13%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for 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.

Credit Union Profile & Overview

Credit Union Name Community Choice Credit Union
Address 31155 Northwestern Hwy, Farmington Hills, MI 48334-2502
Phone 877-243-2528
Fax 248-785-5110
President Brian Wilson
CEO Robert Bava
Full-Time Employees 369
Part-Time Employees 73
Branch Locations 23
ATM Locations 23
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
MonitorBankRates Verified Healthy Badge 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.

<a href="https://www.monitorbankrates.com/credit-unions/community-choice-credit-union-rates-review-64880">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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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.