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Community Resource 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 30, 2026
Community Resource Credit Union's 18 Month CD rates are at 4.50%, 12 Month CD rates are at 4.25%, 24 Month CD rates are at 4.25%, 36 Month CD rates are at 4.25%, 48 Month CD rates are at 4.25%. Community Resource Credit Union's savings rates are at 0.75%. Community Resource Credit Union's money market rates are at 2.25%. Community Resource Credit Union's checking rates are as high as 3.00%. Community Resource Credit Union's Mortgage - 15 Year rates are at 6.50%, Mortgage - 30 Year rates are at 7.25%. Community Resource Credit Union's Personal Loan Rates are as low as 9.74%. Community Resource Credit Union's Credit Card Rates are at 13.99%. Community Resource Credit Union's top CD rate of 4.50% APY on an 18 month CD is 54% higher than the MonitorBankRates national average of 2.91% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Community Resource Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.13%. Rates last updated and verified on 10/30/2026.
Community Resource 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 Resource Credit Union? Share your experience about Community Resource Credit Union by leaving a review below, or read customer reviews before you decide to use Community Resource Credit Union.
Community Resource Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
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 Resource 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
?
3.13%
ExcellentLower than avg
Community Resource Credit Union Texas Ratio
Community Resource Credit Union's Texas Ratio is 3.13%, which is considered excellent and is lower than the national average of 6.13%.
Community Resource 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.
2.89% to 3.13% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong 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 Resource Credit Union CD Rates
Product
Rate
APY
Term
View More
18-Month CD
4.40%
4.50%
18 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
Oct 1, 20264.50%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
18-Month Traditional/Roth IRA
4.40%
4.50%
18 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.50% ▲ 0.65 pts · high 4.50% / low 3.85%
Oct 1, 20264.50%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
12-Month CD
4.16%
4.25%
12 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 1, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
12-Month Traditional/Roth IRA
4.16%
4.25%
12 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 1, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
24-Month CD
4.16%
4.25%
24 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
Oct 1, 20264.25%▲ from 3.80%
Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
24-Month Traditional/Roth IRA
4.16%
4.25%
24 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
Oct 1, 20264.25%▲ from 3.80%
Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
36-Month CD
4.16%
4.25%
36 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
Oct 1, 20264.25%▲ from 3.70%
Sep 14, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
36-Month Traditional/Roth IRA
4.16%
4.25%
36 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
Oct 1, 20264.25%▲ from 3.70%
Sep 14, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
48-Month CD
4.16%
4.25%
48 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
Oct 1, 20264.25%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
60-Month CD
4.16%
4.25%
60 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
Oct 1, 20264.25%▲ from 3.60%
Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
60-Month Traditional/Roth IRA
4.16%
4.25%
60 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.60%
Oct 1, 20264.25%▲ from 3.60%
Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
6-Month CD
4.01%
4.10%
6 months
Min Balance$100
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
Oct 1, 20264.10%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
6-Month Traditional/Roth IRA
4.01%
4.10%
6 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
Oct 1, 20264.10%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
3-Month CD
2.96%
3.00%
3 months
Min Balance$100
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
3-Month Traditional/Roth IRA
2.96%
3.00%
3 months
Min Balance$100
DetailsIRA certificate; add-on not permitted
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Savings Rates
Product
Rate
APY
View More
Traditional/Roth IRA Savings
0.75%
0.75%
Min Deposit$100
Min Balance$250,000
DetailsBalance: $250,000 & over
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Traditional/Roth IRA Savings
0.70%
0.70%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Traditional/Roth IRA Savings
0.65%
0.65%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Traditional/Roth IRA Savings
0.60%
0.60%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $49,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Christmas Club Savings
0.10%
0.10%
Min Balance$100
DetailsNo minimum to open with an open share product; $100 average daily to obtain disclosed APY
Last Updated10/30/2026
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: 3.13%
HSA Family Savings
0.10%
0.10%
Min Deposit$5
Details$100 average daily to obtain disclosed APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
HSA Single Savings
0.10%
0.10%
Min Deposit$5
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Regular Savings
0.10%
0.10%
Min Deposit$5
Min Balance$100
Details$100 average daily to obtain disclosed APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Sprout Savings
0.10%
0.10%
Min Deposit$5
Min Balance$100
Details$100 average daily to obtain disclosed APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Money Market Rates
Product
Rate
APY
View More
Freedom Money Market
2.22%
2.25%
Min Deposit$500
Min Balance$250,000
DetailsBalance: $250,000 & Over; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 1.75% → 2.25% ▲ 0.50 pts · high 2.25% / low 1.75%
Oct 10, 20262.25%▲ from 1.75%
Sep 14, 20261.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Freedom Money Market
1.98%
2.00%
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 1.65% → 2.00% ▲ 0.35 pts · high 2.00% / low 1.65%
Oct 10, 20262.00%▲ from 1.65%
Sep 14, 20261.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Freedom Money Market
1.58%
1.60%
Min Deposit$500
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 1.50% → 1.60% ▲ 0.10 pts · high 1.60% / low 1.50%
Oct 10, 20261.60%▲ from 1.50%
Sep 18, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Freedom Money Market
1.29%
1.30%
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 1.10% → 1.30% ▲ 0.20 pts · high 1.30% / low 1.10%
Oct 10, 20261.30%▲ from 1.10%
Sep 18, 20261.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Freedom Money Market
1.00%
1.00%
Min Deposit$500
Min Balance$1,000
DetailsBalance: $1,000 - $4,999.99; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Freedom Money Market
1.00%
1.00%
Min Deposit$500
Min Balance$5,000
DetailsBalance: $5,000 - $14,999.99; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Freedom Money Market
1.00%
1.00%
Min Deposit$500
Min Balance$15,000
DetailsBalance: $15,000 - $24,999.99; $500 average daily to avoid $10 monthly service charge; Fees could reduce earnings
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Checking Rates
Product
Rate
APY
View More
Reward Checking
-
3.00%
Min Deposit$5
DetailsQualifications Required; Qualifying balance up to and including $20,000.00; Personal accounts only; Nationwide ATM Fee Refunds up to $10 per statement cycle; NO monthly maintenance fee
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage - 15 Year
6.50%
-
6.74%
15 Year
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 22, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.99% / low 6.24%
Oct 26, 20266.74%▼ from 6.99%
Oct 1, 20266.99%▲ from 6.24%
Sep 22, 20266.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Mortgage - 30 Year
7.25%
-
7.37%
30 Year
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 22, 2026 · 6.87% → 7.37% ▲ 0.50 pts · high 7.50% / low 6.87%
Oct 26, 20267.37%▼ from 7.50%
Oct 1, 20267.50%▲ from 6.87%
Sep 22, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
7.00%
-
7.20%
15 years
DetailsAs Low As; 1st lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 7.58% → 7.20% ▼ 0.38 pts · high 7.58% / low 7.20%
Oct 26, 20267.20%▼ from 7.58%
Sep 18, 20267.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
7.00%
-
7.30%
10 years
DetailsAs Low As; 1st lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 6.68% → 7.30% ▲ 0.62 pts · high 7.68% / low 6.68%
Oct 26, 20267.30%▼ from 7.68%
Sep 18, 20267.68%▲ from 6.68%
Sep 14, 20266.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
7.25%
-
7.40%
20 years
DetailsAs Low As; 1st lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 6.90% → 7.40% ▲ 0.50 pts · high 7.53% / low 6.90%
Oct 26, 20267.40%▼ from 7.53%
Oct 1, 20267.53%▲ from 6.90%
Sep 18, 20266.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
7.00%
-
7.60%
5 years
DetailsAs Low As; 1st lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 6.98% → 7.60% ▲ 0.62 pts · high 7.98% / low 6.98%
Oct 26, 20267.60%▼ from 7.98%
Sep 18, 20267.98%▲ from 6.98%
Sep 14, 20266.98%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
7.50%
-
7.60%
30 years
DetailsAs Low As; 1st lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 6.98% → 7.60% ▲ 0.62 pts · high 7.60% / low 6.98%
Oct 1, 20267.60%▲ from 6.98%
Sep 18, 20266.98%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
8.00%
-
8.20%
15 years
DetailsAs Low As; 2nd lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 7.58% → 8.20% ▲ 0.62 pts · high 8.58% / low 7.58%
Oct 26, 20268.20%▼ from 8.58%
Oct 1, 20268.58%▲ from 7.58%
Sep 18, 20267.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
8.00%
-
8.30%
10 years
DetailsAs Low As; 2nd lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
3 changes since Sep 14, 2026 · 6.68% → 8.30% ▲ 1.62 pts · high 8.68% / low 6.68%
Oct 26, 20268.30%▼ from 8.68%
Oct 1, 20268.68%▲ from 7.68%
Sep 18, 20267.68%▲ from 6.68%
Sep 14, 20266.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Home Equity Loan
8.00%
-
8.60%
5 years
DetailsAs Low As; 2nd lien; Max loan amount: 80% of the value of the property less any mortgages
Last Updated10/30/2026
Rate History
3 changes since Sep 14, 2026 · 6.98% → 8.60% ▲ 1.62 pts · high 8.98% / low 6.98%
Oct 26, 20268.60%▼ from 8.98%
Oct 1, 20268.98%▲ from 7.98%
Sep 18, 20267.98%▲ from 6.98%
Sep 14, 20266.98%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
3.74%
Up to 36 months
DetailsAs Low As; New vehicles fewer than 7,500 miles; Plus 90 days no payment available
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 3.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Autos
-
-
3.74%
Up to 36 Months
DetailsAs Low As; Fewer than 7,500 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Auto Loan
-
-
3.74%
Up to 36 months
DetailsAs Low As; Used vehicles fewer than 100,000 miles; Plus 90 days no payment available
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 3.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Autos
-
-
3.74%
Up to 36 Months
DetailsAs Low As; Fewer than 100,000 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Autos
-
-
4.54%
48 Months
DetailsAs Low As; Fewer than 7,500 miles
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 4.54% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Autos
-
-
4.54%
48 Months
DetailsAs Low As; Fewer than 100,000 miles
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 4.54% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Autos
-
-
4.79%
71 Months
DetailsAs Low As; Fewer than 7,500 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Autos
-
-
4.79%
71 Months
DetailsAs Low As; Fewer than 100,000 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.79% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Autos
-
-
5.29%
78 Months
DetailsAs Low As; Fewer than 7,500 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Autos
-
-
5.29%
78 Months
DetailsAs Low As; Fewer than 100,000 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Autos
-
-
5.54%
84 Months
DetailsAs Low As; Fewer than 7,500 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Autos
-
-
5.54%
84 Months
DetailsAs Low As; Fewer than 100,000 miles
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycles & ATVs Loan
-
6.99%
Up to 48 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New RVs & Boats Loan
-
6.99%
Up to 48 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Motorcycles & ATVs Loan
-
7.54%
49 - 72 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.54% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New RVs & Boats Loan
-
7.54%
49-72 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.54% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New Motorcycles & ATVs Loan
-
7.74%
73 - 84 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New RVs & Boats Loan
-
7.74%
73-84 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Motorcycles & ATVs Loan
-
7.74%
Up to 48 Months
DetailsAs Low As; Used ATV maximum term is 48 months
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used RVs & Boats Loan
-
7.74%
Up to 48 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used Motorcycles & ATVs Loan
-
8.29%
49 - 72 Months
DetailsAs Low As; Used ATV maximum term is 48 months
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.29% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used RVs & Boats Loan
-
8.29%
49 - 72 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.29% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used RVs & Boats Loan
-
8.49%
73 - 84 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New RVs & Boats Loan
-
9.04%
85 - 144 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.04% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
New RVs & Boats Loan
-
9.64%
145 - 180 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.64% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Used RVs & Boats Loan
-
9.79%
85- 144 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.79% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Credit Card Rates
Product
Rate
APR
View More
MyPath Premier MasterCard
-
13.99%
DetailsAs Low As; APR range 13.99% - 17.99%
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74%
Oct 10, 202613.99%▲ from 13.74%
Sep 14, 202613.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
MemberSelect Rewards MasterCard
-
15.49%
DetailsAs Low As; APR range 15.49% - 17.99%
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24%
Oct 10, 202615.49%▲ from 15.24%
Sep 14, 202615.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Secured MasterCard
-
17.95%
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 17.95% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal or Signature Loan
9.74%
Up to 36 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Personal or Signature Loan
10.24%
37 - 54 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Personal or Signature Loan
10.74%
55 - 60 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Debt Consolidation Loan
10.99%
Up to 72 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Personal or Signature Loan
10.99%
61 - 72 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Community Resource Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Land Loan - 15 Year Term
7.86%
-
8.28%
15 Year
DetailsAPR based on a Land Loan amount of $50,000; Financing available for properties in Texas
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.28% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
CoRe Ownership
7.70%
-
8.00%
Min Deposit$5
DetailsInitial Deposit: $5 minimum to open; Ownership Savings limited to dividends, promotional credits, swipe and save and other share dividends; $3,000 annual dividend transfer limit; $500 per month and $1,000 per year swipe and save limit
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Coverdell IRA Savings
0.60%
-
0.60%
Min Deposit$100
Min Balance$0
DetailsBalance: $0 - $49,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Coverdell IRA Savings
0.65%
-
0.65%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Coverdell IRA Savings
0.70%
-
0.70%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Coverdell IRA Savings
0.75%
-
0.75%
Min Deposit$100
Min Balance$250,000
DetailsBalance: $250,000 & over
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.13%
Financial Health History
Community Resource Credit Union’s Texas Ratio stayed near 2.89% in Q3 2023 to 3.13% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
$930M
3.13%
5.0
A+
March 31, 2026
$934M
4.13%
5.0
A+
December 31, 2025
$947M
3.72%
5.0
A+
September 30, 2025
$906M
4.26%
5.0
A+
June 30, 2025
$893M
2.77%
5.0
A+
March 31, 2025
$904M
2.29%
5.0
A+
December 31, 2024
$895M
4.37%
5.0
A+
September 30, 2024
$883M
4.58%
5.0
A+
June 30, 2024
$886M
4.74%
5.0
A+
March 31, 2024
$888M
4.46%
5.0
A+
December 31, 2023
$849M
5.06%
5.0
A+
September 30, 2023
$827M
2.89%
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 Resource 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 Resource 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 Resource Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
76,629,701
Total Uninsured Shares and Deposits > $250K (F+J)
103,265,701
Total Insured Shares and Deposits > $250K (item 17 less item K)
715,256,435
Total Interest Expense (Sum of items 6 8)
6,480,580
Share Certificates
5,579
Number of Accounts for Share Drafts
46,006
IRA KEOGH Accounts
1,234
Number of Accounts for Regular Shares
68,439
Non Member Deposits
4
Money Market Shares
1,011
Net Income (unless the amount is already included in Undivided Earnings)
6,694,220
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)
49,017,200
Total Liabilities
828,683,367
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Community Resource 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 Resource Credit Union
Frequently Asked Questions About Community Resource Credit Union
Does Community Resource Credit Union offer CDs?
Yes. Community Resource Credit Union current CD rates include its 18 Month CD at 4.50% APY, its 12 Month CD at 4.25% APY and its 24 Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Community Resource Credit Union NCUA insured?
Yes. Community Resource 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 Resource Credit Union?
The highest Community Resource Credit Union CD rate is its 18 Month CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Community Resource Credit Union offer?
Community Resource Credit Union CD rates are 4.25% APY for a 12 month CD, 4.50% APY for an 18 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Community Resource Credit Union for its full lineup.
What is the highest savings rate at Community Resource Credit Union?
The highest Community Resource Credit Union savings rate is its Traditional/Roth IRA Savings at 0.75% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Community Resource Credit Union?
The highest Community Resource Credit Union money market rate is its Freedom Money Market at 2.25% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Community Resource Credit Union?
The highest Community Resource Credit Union checking rate is its Reward Checking at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest mortgage rate at Community Resource Credit Union?
The lowest Community Resource Credit Union mortgage rate is its Mortgage - 15 Year at 6.50%, verified by MonitorBankRates as of October 30, 2026. Community Resource Credit Union mortgage rates are 7.25% for a 30 year mortgage and 6.50% for a 15 year mortgage.
What is the lowest auto loan rate at Community Resource Credit Union?
The lowest Community Resource Credit Union auto loan rate is its New Auto Loan at 3.74% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Community Resource Credit Union?
The lowest Community Resource Credit Union personal loan rate is its Personal or Signature Loan at 9.74% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at Community Resource Credit Union?
The lowest Community Resource Credit Union credit card APR is its MyPath Premier MasterCard Credit Card at 13.99% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Community Resource Credit Union operate?
Community Resource 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 Resource Credit Union?
Yes, to access services at Community Resource 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 Resource 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 Resource Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Community Resource Credit Union offer online and mobile banking?
Most modern institutions like Community Resource 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.crcu.org.
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 Resource Credit Union rates compare?
Community Resource Credit Union's top CD rate of 4.50% APY on an 18 month CD is 54% higher than the MonitorBankRates national average of 2.91% APY for that term, and it has an A+ health rating. Community Resource Credit Union's top rates are its 18 Month CD at 4.50% APY, its Traditional/Roth IRA Savings at 0.75% APY, its Freedom Money Market at 2.25% APY, its Reward Checking at 3.00% APY, its Mortgage - 15 Year at 6.50%, its Personal or Signature Loan at 9.74% APR and its MyPath Premier MasterCard Credit Card at 13.99% APR, verified by MonitorBankRates on October 30, 2026.
Current Community Resource Credit Union Rates
12-Month CD4.25%
18-Month CD4.50%
24-Month CD4.25%
60-Month CD4.25%
Savings0.75%
MMA2.25%
Retrieved from our database of financial products. Rates subject to change.