What are the current interest rates at Community Resource Federal Credit Union?

Current rates for Community Resource Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 4.05%, 60-Month CD: 4.20%, MMA: 1.50%

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Community Resource Federal Credit Union

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Community Resource Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Resource 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: October 12, 2026

Community Resource Federal Credit Union's top rates as of October 12, 2026 are 4.30% APY on its 60 Month Super Share & IRA CD, 1.50% APY on money market accounts, and personal loans from 8.74% APR, according to rates verified by MonitorBankRates. Other Community Resource Federal Credit Union CD rates include 48 Month Super Share & IRA CD at 4.25%, 36 Month Super Share & IRA CD at 4.20%, and 60 Month Share & IRA CD at 4.20%. MonitorBankRates evaluates the financial stability of Community Resource Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.45%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

5.45%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Community Resource Federal Credit Union
Latham Office

20 Wade Rd
Latham, NY 12110-3520

https://www.communityresourcefcu.com

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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 Resource Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Super Share & IRA Certificate	4.22%	4.30%	60 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
48 Month Super Share & IRA Certificate	4.17%	4.25%	48 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
36 Month Super Share & IRA Certificate	4.12%	4.20%	36 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
60 Month Share & IRA Share Certificate	4.12%	4.20%	60 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.55% → 4.20% ▲ 0.65 pts · high 4.20% / low 3.55% Oct 12, 20264.20%▲ from 3.55% Oct 8, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
24 Month Super Share & IRA Certificate	4.07%	4.15%	24 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30 Month Super Share & IRA Certificate	4.07%	4.15%	30 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
48 Month Share & IRA Share Certificate	4.07%	4.15%	48 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55% Oct 12, 20264.15%▲ from 3.55% Oct 8, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
36 Month Share & IRA Share Certificate	4.02%	4.10%	36 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50% Oct 12, 20264.10%▲ from 3.50% Oct 8, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
24 Month Share & IRA Share Certificate	3.98%	4.05%	24 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50% Oct 12, 20264.05%▲ from 3.50% Oct 8, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30 Month Share & IRA Share Certificate	3.98%	4.05%	30 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50% Oct 12, 20264.05%▲ from 3.50% Oct 8, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
12 Month Share & IRA Share Certificate	3.93%	4.00%	12 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 12, 20264.00%▲ from 3.75% Oct 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
12 Month Super Share & IRA Certificate	3.93%	4.00%	12 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
18 Month Share & IRA Share Certificate	3.93%	4.00%	18 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 12, 20264.00%▲ from 3.75% Oct 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
18 Month Super Share & IRA Certificate	3.93%	4.00%	18 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
6 Month Share & IRA Share Certificate	3.93%	4.00%	6 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 12, 20264.00%▲ from 3.60% Oct 8, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
6 Month Super Share & IRA Certificate	3.93%	4.00%	6 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
9 Month Share & IRA Share Certificate	3.93%	4.00%	9 Month
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 12, 20264.00%▲ from 3.75% Oct 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
9 Month Super Share & IRA Certificate	3.93%	4.00%	9 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Community Resource Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 AND OVER Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market Account	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market Account	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market Account	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Community Resource Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	5.00%	-	5.00%
Details As low as; Fixed loans up to $350,000 (first lien position) / $200,000 (second lien position); Line of credit loans up to $250,000 (first lien position) / $100,000 (second lien position); Maximum CLTV is 85%; Minimum Loan/Line of Credit amount is $10,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Home Equity Fixed Rate HELOC	-	-	5.50%	3 year
Details Term: 3 year draw/ up to 20 year repayment; Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position; Up to CLTV = 100% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Home Equity Fixed Rate HELOC	-	-	5.50%	up to 20 year
Details Term: up to 20 year repayment; 3 year draw; Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position; Up to CLTV = 100% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Home Equity Interest Only HELOC	-	-	5.75%	5 years
Details Term: Interest Only payments first 5 years / 5 Year Draw Period / 25 Year Repayment; Then Prime + Margin; Maximum Amt: $250,000 in 1st lien position / $100,000 in 2nd lien position; Up to CLTV = 80% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Community Resource Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Home Improvement Loan	8.74%	10 or 15 years
Details Term: 10-year or 15-year loan term; Maximum Amount: up to $30,000: Home Improvement Only / Bid/material list must be included; n/a Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.74%	72 Months
Details As Low As; * Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Unsecured Line of Credit	13.25%	Revolving
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Community Resource Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
3 Year Adjustable Loan	-	-	5.25%	10 year
Details Term: 10 year draw / 25 year repayment; Then Prime + Margin; Maximum HELOC: $250,000 in 1st lien position / $100,000 in 2nd lien position; Up to CLTV = 100% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
HE Fixed Installment	-	-	5.00%	Terms up to 20 years
Details Maximum Amt: $350,000 in 1st and $200,000 in 2nd lien position; Up to CLTV = 100% Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
HE Fixed Installment	-	-	5.00%	Up to 20 years
Details Maximum Amt: $350,000 in 1st and $200,000 in 2nd lien position; Up to CLTV = 100% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Residential Investment Property Loan	-	-	8.00%	Up to 120 months
Details Loan to Value Up To: 70%; Maximum Loan = $350,000 1st Lien Position Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Residential Investment Property Loan	-	-	8.50%	Up to 180 months
Details Loan to Value Up To: 70%; Maximum Loan = $350,000 1st Lien Position Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Community Resource Federal Credit Union’s Texas Ratio rose from 2.38% in Q3 2023 to 5.45% 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 — 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	$120M	5.45%	5.0	A+
March 31, 2026	$120M	6.02%	5.0	A
December 31, 2025	$119M	5.72%	5.0	A+
September 30, 2025	$115M	3.50%	5.0	A+
June 30, 2025	$116M	3.25%	5.0	A+
March 31, 2025	$115M	3.36%	5.0	A+
December 31, 2024	$114M	2.73%	5.0	A+
September 30, 2024	$114M	2.81%	5.0	A+
June 30, 2024	$116M	2.80%	5.0	A+
March 31, 2024	$114M	2.07%	5.0	A+
December 31, 2023	$114M	2.70%	5.0	A+
September 30, 2023	$114M	2.38%	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 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 Resource 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 Resource Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Resource Federal Credit Union

Website https://www.communityresourcefcu.com

Address 20 Wade Rd, Latham, NY 12110-3520

Phone 518-783-2211

Fax 518-783-2266

President Thomas Ellis

CEO Terry Langlois

Full-Time Employees 29

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

5.45%

Return on Assets (ROA)

0.1847%

Return on Equity (ROE)

1.5310%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

120,328,886

Total Amount of Shares and Deposits

105,816,275

Total Shares and Deposits < 1 Year

95,816,709

Total Shares and Deposits 1 3 Years

9,331,049

Total Shares and Deposits > 3 Years

668,517

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

7,416,973

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

7,416,973

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

98,399,302

Total Interest Expense (Sum of items 6 8)

1,126,558

Share Certificates

1,105

Number of Accounts for Share Drafts

3,253

IRA KEOGH Accounts

272

Number of Accounts for Regular Shares

8,466

All other shares

Non Member Deposits

Money Market Shares

349

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)

5,917,240

Total Liabilities

105,834,722

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Community Resource Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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

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Frequently Asked Questions About Community Resource Federal Credit Union

How many branches does Community Resource Federal Credit Union operate?

Community Resource 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 Resource Federal Credit Union?

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

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

Most modern institutions like Community Resource 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.communityresourcefcu.com.