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Community Link Federal Credit Union

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Community Link Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Community Link Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 4.60%. MonitorBankRates evaluates the financial stability of Community Link Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.67%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.67%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Community Link Federal Credit Union
Community Link FCU

325 Etna Ave
Huntington, IN 46750

https://www.communitylinkfcu.com

Community Link Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycles	4.50%	-	4.60%	60 month
Details As low as 4.50% Rate/ 4.623% APR. Your rate/APR may be higher based on your individual factors. APR is based on a 700+ credit score for 60 month term with loan amount of $25,075 and includes $75 doc fee. Scores 650-699 as low as 5.50% rate/5.624% APR. Add 0.25% for 72 months and 0.50% for 84 months. 2019 and newer models; purchase or refinance. CLFCU membership required for all borrowers. Must have active CLFCU checking account and set-up automatic payment from CLFCU checking account. Otherwise add 0.50% without automatic payment from CLFCU checking account. Loans must be new to CLFCU; for internal refinances, must add $5,000+ new funds to qualify. Relationship pricing does not apply. Subject to CLFCU lending policy. Subject to change or withdrawal without notice. Some restrictions apply. As of 9/14/26. Limited time only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.67%
Auto & Motorcycles	-	-	5.62%	60 month
Details As low as 4.50% Rate/ 4.623% APR. Your rate/APR may be higher based on your individual factors. APR is based on a 700+ credit score for 60 month term with loan amount of $25,075 and includes $75 doc fee. Scores 650-699 as low as 5.50% rate/5.624% APR. Add 0.25% for 72 months and 0.50% for 84 months. 2019 and newer models; purchase or refinance. CLFCU membership required for all borrowers. Must have active CLFCU checking account and set-up automatic payment from CLFCU checking account. Otherwise add 0.50% without automatic payment from CLFCU checking account. Loans must be new to CLFCU; for internal refinances, must add $5,000+ new funds to qualify. Relationship pricing does not apply. Subject to CLFCU lending policy. Subject to change or withdrawal without notice. Some restrictions apply. As of 9/14/26. Limited time only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.67%

Community Link Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loan	5.99%	6.12%	60 month
Details As low as 5.99% Rate/ 6.115% APR. Your rate/ APR may be higher based on your individual factors. APR is based on a 700+ credit score for 60 month term with loan amount of $25,075 and includes $75 doc fee. Scores 650-699 as low as 6.99% rate/7.615% APR. Add 0.25% for 72 months and 0.50% for 84 months. New or used models; purchase or refinance. Loans must be new to CLFCU; for internal refinances, must add $5,000+ new funds to qualify. CLFCU membership required for all borrowers. Must have active CLFCU checking account and set-up automatic payment from CLFCU checking account. Otherwise add 0.50% without automatic payment from CLFCU checking account. Relationship pricing does not apply. Subject to CLFCU lending policy. Some restrictions apply. Subject to change or withdrawal without notice. As of 7/14/26. Limited time only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.67%
Recreational Loan	-	7.62%	60 month
Details As low as 5.99% Rate/ 6.115% APR. Your rate/ APR may be higher based on your individual factors. APR is based on a 700+ credit score for 60 month term with loan amount of $25,075 and includes $75 doc fee. Scores 650-699 as low as 6.99% rate/7.615% APR. Add 0.25% for 72 months and 0.50% for 84 months. New or used models; purchase or refinance. Loans must be new to CLFCU; for internal refinances, must add $5,000+ new funds to qualify. CLFCU membership required for all borrowers. Must have active CLFCU checking account and set-up automatic payment from CLFCU checking account. Otherwise add 0.50% without automatic payment from CLFCU checking account. Relationship pricing does not apply. Subject to CLFCU lending policy. Some restrictions apply. Subject to change or withdrawal without notice. As of 7/14/26. Limited time only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Community Link Federal Credit Union’s Texas Ratio rose from 0.87% in Q2 2023 to 14.67% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$38M	14.67%	5.0	A-
December 31, 2025	$37M	4.03%	5.0	A+
September 30, 2025	$36M	5.69%	5.0	A+
June 30, 2025	$36M	4.50%	5.0	A+
March 31, 2025	$36M	2.84%	5.0	A+
December 31, 2024	$35M	3.25%	5.0	A+
September 30, 2024	$35M	3.77%	5.0	A+
June 30, 2024	$33M	3.43%	5.0	A+
March 31, 2024	$33M	2.57%	5.0	A+
December 31, 2023	$29M	2.64%	5.0	A+
September 30, 2023	$28M	3.93%	5.0	A+
June 30, 2023	$27M	0.87%	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 Link 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 Community Link 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 Community Link Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Link Federal Credit Union

Website https://www.communitylinkfcu.com

Address 325 Etna Ave, Huntington, IN 46750

Phone 260-356-6220

Fax 260-356-6337

President Justin Wall

CEO Misty Harrison

Full-Time Employees 10

Part-Time Employees 2

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.67%

Return on Assets (ROA)

0.1549%

Return on Equity (ROE)

1.3225%

Non-Performing Loans Ratio (NPL)

3.09%

Total Assets

37,680,537

Total Amount of Shares and Deposits

32,960,454

Total Shares and Deposits < 1 Year

29,900,529

Total Shares and Deposits 1 3 Years

3,045,335

Total Shares and Deposits > 3 Years

14,590

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

968,980

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

968,980

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

31,991,474

Total Interest Expense (Sum of items 6 8)

194,373

Share Certificates

359

Number of Accounts for Share Drafts

1,433

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,337

All other shares

122

Money Market Shares

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

58,350

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)

1,680,082

Total Liabilities

33,001,107

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Community Link Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <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">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Community Link Federal Credit Union

How many branches does Community Link Federal Credit Union operate?

Community Link 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 Community Link Federal Credit Union?

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

Does Community Link Federal Credit Union offer online and mobile banking?

Most modern institutions like Community Link 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.communitylinkfcu.com.