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CommunityAmerica Credit Union

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CommunityAmerica Credit Union Rates & Review November 2026

Q: What are the current interest rates at CommunityAmerica Credit Union?

Current rates for CommunityAmerica Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.50%, 24-Month CD: 4.10%, 60-Month CD: 3.95%, Savings: 5.00%, MMA: 3.45%

Q: What CD terms does CommunityAmerica Credit Union offer?

CommunityAmerica Credit Union CD rates are 4.00% APY for an 11 month CD, 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 4.10% APY for a 2 year CD, 3.85% APY for a 3 year CD, 3.95% APY for a 4 year CD and 3.95% 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 CommunityAmerica Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

CommunityAmerica Credit Union's 24 Month CD rates are at 4.10%, 11 Month CD rates are at 4.00%, 48 Month CD rates are at 3.95%, 60 Month CD rates are at 3.95%, 36 Month CD rates are at 3.85%. CommunityAmerica Credit Union's savings rates are at 5.00%. CommunityAmerica Credit Union's money market rates are at 3.45%. CommunityAmerica Credit Union's Personal Loan Rates are as low as 11.74%. CommunityAmerica Credit Union's Credit Card Rates are at 11.74%. CommunityAmerica Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of CommunityAmerica Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.47%. Rates last updated and verified on 10/30/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.47%

Excellent Lower than avg

Health Trend

Steady 10 quarters

Full history ›

CommunityAmerica Credit Union
Corporate Office

9777 Ridge Dr
Lenexa, KS 66219

https://www.cacu.com

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Financial health data as of Q3 2025 (NCUA 5300 call report for the quarter ended September 30, 2025). This is the most recent call report on file for this credit union.

CommunityAmerica Credit Union CD Rates

Product	Rate	APY	Term
24 Month Share Certificate	4.02%	4.10%	24 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
11 Month Share Certificate	3.92%	4.00%	11 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
48 Month Share Certificate	3.87%	3.95%	48 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
60 Month Share Certificate	3.87%	3.95%	60 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
36 Month Share Certificate	3.78%	3.85%	36 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
7 Month Share Certificate	3.78%	3.85%	7 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
12 Month Share Certificate	3.68%	3.75%	12 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
3 Month Share Certificate	3.54%	3.60%	3 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
6 Month Share Certificate	3.54%	3.60%	6 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
18 Month Share Certificate	3.44%	3.50%	18 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
9 Month Share Certificate	3.39%	3.45%	9 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
15 Month Share Certificate	3.34%	3.40%	15 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
30 Month Share Certificate	3.01%	3.05%	30 months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Business CD Rates

Product	Rate	APY	Term
24 Month Business Share Certificate	4.02%	4.10%	24 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
11 Month Business Share Certificate	3.92%	4.00%	11 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
48 Month Business Share Certificate	3.87%	3.95%	48 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
60 Month Business Share Certificate	3.87%	3.95%	60 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
36 Month Business Share Certificate	3.78%	3.85%	36 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
7 Month Business Share Certificate	3.78%	3.85%	7 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
12 Month Business Share Certificate	3.68%	3.75%	12 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
3 Month Business Share Certificate	3.54%	3.60%	3 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
6 Month Business Share Certificate	3.54%	3.60%	6 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
18 Month Business Share Certificate	3.44%	3.50%	18 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
9 Month Business Share Certificate	3.39%	3.45%	9 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
15 Month Business Share Certificate	3.34%	3.40%	15 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
30 Month Business Share Certificate	3.01%	3.05%	30 months
Min Deposit $500 Details Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Savings Rates

Product	Rate	APY
High Interest Savings	4.89%	5.00%
Min Balance $1 Details Qualifications Required; Balance: $1.00 - $2,500.00; Balances up to $2,500 earn first tier APY; Dividend Rate 4.89%; Consumer accounts only; Limit one High Interest Savings or Delta Savings account per member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
IRA Savings	0.05%	0.05%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000.00 - or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
IRA Savings	0.03%	0.03%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Junior Savings	0.03%	0.03%
Min Balance $1 Details Balance: $1.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Savings	0.03%	0.03%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Savings	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Savings	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Holiday Savings	0.01%	0.01%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 - $9,999.99; Entire account balance automatically transfers to designated account on or about November 1st annually Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Special Purpose Savings	0.01%	0.01%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000.00 - or more Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Savings	0.03%	0.03%
Min Balance $1 Details Balance: $1.00 - $9,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 0.02% → 0.03% ▲ 0.01 pts · high 0.03% / low 0.02% Oct 19, 20260.03%▲ from 0.02% Sep 18, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Savings	0.03%	0.03%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 0.02% → 0.03% ▲ 0.01 pts · high 0.03% / low 0.02% Oct 19, 20260.03%▲ from 0.02% Sep 18, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Savings	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 0.02% → 0.03% ▲ 0.01 pts · high 0.03% / low 0.02% Oct 19, 20260.03%▲ from 0.02% Sep 18, 20260.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	3.39%	3.45%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	3.34%	3.40%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	3.30%	3.35%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	3.25%	3.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	3.20%	3.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Advantage Money Market	3.15%	3.20%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - or more; $10 monthly fee if balance falls below $1,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	3.15%	3.20%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.60%	0.60%
Min Balance $500,000 Details Balance: $500,000.00 - or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.55%	0.55%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.50%	0.50%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Premier Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Business Money Market Rates

Product	Rate	APY
Business Premier Money Market	3.40%	3.45%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 or more; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	3.35%	3.40%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	3.30%	3.35%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	3.25%	3.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	3.20%	3.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	3.15%	3.20%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.60%	0.60%
Min Balance $500,000 Details Balance: $500,000.00 - or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.55%	0.55%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.50%	0.50%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.45%	0.45%
Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Premier Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $9,999.99; monthly fee $20 if balance falls below $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Variable (70% LTV)	-	-	5.49%
Details As Low As; Loan Amount: $10,000.00 - $350,000.00; Intro APR as low as 5.24% for first year for well-qualified borrowers at 70% LTV; thereafter variable, maximum APR 18%; Hybrid HELOC APR would have been 6.24% as of 10/19/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 6.24% / low 5.24% Oct 14, 20265.49%▼ from 6.24% Oct 10, 20266.24%▲ from 5.49% Sep 30, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Variable (80% LTV)	-	-	5.99%
Details As Low As; Loan Amount: $10,000.00 - $350,000.00; Intro APR as low as 5.49% for first year at 70% LTV; thereafter variable, maximum APR 18%; Hybrid HELOC APR would have been 6.49% as of 10/29/2026 Last Updated 10/30/2026 Rate History 2 changes since Sep 22, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 6.74% / low 5.74% Oct 14, 20265.99%▼ from 6.74% Oct 10, 20266.74%▲ from 5.74% Sep 22, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Fixed (70% LTV)	-	-	6.99%
Details As Low As; Balance/Loan Amount: $5,000.00 or more; 70% Hybrid Locked segment; rate lock minimum $5,000; body text states fixed rate as low as 6.74% Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Sep 30, 20266.99%▲ from 6.74% Sep 27, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Variable (90% LTV)	-	-	6.99%
Details As Low As; Variable APR; Loan Amount: $10,000.00 - $350,000.00; 80% LTV; Introductory APR as low as 5.99% for the first year; would have been 6.99% APR as of 10/29/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 7.74% / low 6.74% Oct 14, 20266.99%▼ from 7.74% Oct 10, 20267.74%▲ from 6.99% Sep 30, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Fixed (80% LTV)	-	-	7.49%
Details As Low As; Balance: $5,000.00 - or more; Loan Amount: $5,000.00 - or more; Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan; minimum fixed loan amount for a Rate Lock is $5,000; as of 10/19/2026 the fixed rate for an 80% Hybrid Locked segment is as low as 7.24%; rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 14, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Fixed (90% LTV)	-	-	8.49%
Details As Low As; Balance Amount: $5,000.00 - or more; Loan Amount: $5,000.00 - or more; Rate Lock: fixed rate for 90% Hybrid Locked segment as low as 8.24% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 14, 20268.49%▲ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Variable (100% LTV)	-	-	8.99%
Details As Low As; Loan Amount: $10,000.00 - $250,000.00; Introductory APR as low as 6.99% for the first year, then varies with a maximum APR of 18%; would have been 7.99% APR as of 10/29/2026 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Home Equity Fixed (100% LTV)	-	-	9.49%
Details As Low As; Balance: $5,000.00 - or more; Loan Amount: $5,000.00 - or more; Minimum fixed loan amount for a Rate Lock is $5,000; 100% LTV Home Equity products available in Kansas and Missouri only Last Updated 10/30/2026 Rate History 1 change since Sep 27, 2026 · 9.24% → 9.49% ▲ 0.25 pts · high 9.49% / low 9.24% Oct 14, 20269.49%▲ from 9.24% Sep 27, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan	-	-	5.74%
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Auto Loan	-	-	5.99%
Details As Low As; Model Year: 2022 - 2026; APR = Annual Percentage Rate. Rates and terms subject to change and are dependent on creditworthiness and collateral. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Auto Loan	-	-	6.24%
Details As Low As; Model Year: 2018 - 2021 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Business Auto Loan	-	-	6.49%
Details As Low As; Model Year: 2018 - 2021; APR = Annual Percentage Rate. Rates and terms subject to change and are dependent on creditworthiness and collateral. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
First-Time Auto Loan	-	-	10.49%
Details As Low As; Year: 2022 - 2026; Minimum Loan Amount: $2,500.00 - $20,000.00; Borrower must have 6 months of membership with the credit union Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
First-Time Auto Loan	-	-	10.99%
Details As Low As; Year: 2018 - 2021; Minimum Loan Amount: $2,500.00 - $20,000.00; Borrower must have 6 months of membership with the credit union Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
RV Loan	-	7.24%
Details As Low As; Model Year: 2024 - 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Boat Loan	-	7.74%
Details As Low As; Year: 2024 - 2026; Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Harley-Davidson Motorcycle Loan	-	7.74%
Details As Low As; Model Year: 2022 - 2026 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
RV Loan	-	7.99%
Details As Low As; Model Year: 2012 - 2023 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Boat Loan	-	8.49%
Details As Low As; Year: 2012 - 2023; Rates effective as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Harley-Davidson Motorcycle Loan	-	8.49%
Details As Low As; Model Year: 2018 - 2021 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Credit Card Rates

Product	Rate	APR
Visa Low Rate	-	11.74%
Details As Low As; Regular APR: Prime plus margin of 4.99% to 16.99% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Visa Rewards	-	13.74%
Details As Low As; Regular APR: Prime plus margin of 6.99% to 13.99% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Visa Signature	-	15.74%
Details As Low As; Regular APR: Prime plus margin of 8.99% to 10.99% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 15.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Visa Business Rewards	-	16.99%
Details As Low As; Business credit card; rates subject to applicant credit Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 16.98% → 16.99% ▲ 0.01 pts · high 16.99% / low 16.98% Oct 19, 202616.99%▲ from 16.98% Sep 14, 202616.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.74%
Details As Low As; Loan Amount: $500.00 - $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Personal Line of Credit	13.24%
Details As Low As; Loan Amount: $500.00 - $25,000.00; APR may vary, determined by adding a margin of 6.49% - 14.49% to the U.S. Prime rate Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Visa Signature	15.74%
Details As Low As; Regular APR: Prime plus margin of 8.99% to 10.99% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 15.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

CommunityAmerica Credit Union Other Rates

Product	Rate	Points	APY/APR
Sport & Leisure Loan	-	-	9.49%
Details As Low As; Year: 2019 - 2023 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Sport & Leisure Loan	-	-	9.24%
Details As Low As; Year: 2024 - 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

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

CommunityAmerica Credit Union’s Texas Ratio rose from 3.52% in Q2 2023 to 5.47% in Q3 2025, so its financial health has held steady at a healthy level over the past 10 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
September 30, 2025	$5.4B	5.47%	5.0	A+
June 30, 2025	$5.4B	4.02%	5.0	A+
March 31, 2025	$5.3B	4.43%	5.0	A+
December 31, 2024	$5.1B	3.89%	5.0	A+
September 30, 2024	$5.4B	3.53%	5.0	A+
June 30, 2024	$5.4B	5.63%	5.0	A+
March 31, 2024	$5.3B	6.39%	5.0	A
December 31, 2023	$4.8B	6.24%	5.0	A
September 30, 2023	$4.7B	5.51%	5.0	A+
June 30, 2023	$4.7B	3.52%	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 CommunityAmerica 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 CommunityAmerica 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 CommunityAmerica Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CommunityAmerica Credit Union

Website https://www.cacu.com

Address 9777 Ridge Dr, Lenexa, KS 66219

Phone 913-905-7000

Fax 913-905-7070

President David Shepard

CEO Lisa Ginter

Full-Time Employees 1,028

Part-Time Employees 23

Branch Locations 41

ATM Locations 12

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

5.47%

Return on Assets (ROA)

0.6823%

Return on Equity (ROE)

6.5980%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

5,443,738,279

Total Amount of Shares and Deposits

4,774,966,536

Total Shares and Deposits < 1 Year

4,718,838,114

Total Shares and Deposits 1 3 Years

44,573,289

Total Shares and Deposits > 3 Years

11,555,133

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

466,507,926

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

468,257,926

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

4,306,708,610

Total Interest Expense (Sum of items 6 8)

87,415,381

Share Certificates

42,848

Number of Accounts for Share Drafts

299,464

IRA KEOGH Accounts

3,478

Number of Accounts for Regular Shares

498,571

Non Member Deposits

Money Market Shares

26,273

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)

292,167,341

Total Liabilities

4,892,811,099

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for CommunityAmerica Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About CommunityAmerica Credit Union

Does CommunityAmerica Credit Union offer CDs?

Yes. CommunityAmerica Credit Union current CD rates include its 24 Month CD at 4.10% APY, its 11 Month CD at 4.00% APY and its 48 Month CD at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from CommunityAmerica Credit Union NCUA insured?

Yes. CommunityAmerica 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 CommunityAmerica Credit Union?

The highest CommunityAmerica Credit Union CD rate is its 24 Month Business CD at 4.10% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does CommunityAmerica Credit Union offer?

CommunityAmerica Credit Union CD rates are 4.00% APY for an 11 month CD, 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 4.10% APY for a 2 year CD, 3.85% APY for a 3 year CD, 3.95% APY for a 4 year CD and 3.95% 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 CommunityAmerica Credit Union for its full lineup.

What is the highest savings rate at CommunityAmerica Credit Union?

The highest CommunityAmerica Credit Union savings rate is its High Interest Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at CommunityAmerica Credit Union?

The highest CommunityAmerica Credit Union money market rate is its Business Premier Money Market at 3.45% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at CommunityAmerica Credit Union?

The lowest CommunityAmerica Credit Union auto loan rate is its Auto Loan at 5.74% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at CommunityAmerica Credit Union?

The lowest CommunityAmerica Credit Union personal loan rate is its Personal Loan at 11.74% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at CommunityAmerica Credit Union?

The lowest CommunityAmerica Credit Union credit card APR is its Visa Low Rate Credit Card at 11.74% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does CommunityAmerica Credit Union operate?

CommunityAmerica 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 CommunityAmerica Credit Union?

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

Does CommunityAmerica Credit Union offer online and mobile banking?

Most modern institutions like CommunityAmerica 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.cacu.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 CommunityAmerica Credit Union rates compare?

CommunityAmerica Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. CommunityAmerica Credit Union's top rates are its 24 Month Business CD at 4.10% APY, its High Interest Savings at 5.00% APY, its Business Premier Money Market at 3.45% APY, its Personal Loan at 11.74% APR and its Visa Low Rate Credit Card at 11.74% APR, verified by MonitorBankRates on October 30, 2026.

Current CommunityAmerica Credit Union Rates

12-Month CD3.75%
18-Month CD3.50%
24-Month CD4.10%
60-Month CD3.95%
Savings5.00%
MMA3.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

CommunityAmerica Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CommunityAmerica Credit Union Texas Ratio

CommunityAmerica Credit Union Health Trend

CommunityAmerica Credit Union CD Rates

CommunityAmerica Credit Union Business CD Rates

CommunityAmerica Credit Union Savings Rates

CommunityAmerica Credit Union Business Savings Rates

CommunityAmerica Credit Union Money Market Rates

CommunityAmerica Credit Union Business Money Market Rates

CommunityAmerica Credit Union Home Equity & HELOC

CommunityAmerica Credit Union Auto Loan Rates

CommunityAmerica Credit Union RV, Boat and Powersport Loan Rates

CommunityAmerica Credit Union Credit Card Rates

CommunityAmerica Credit Union Personal Loan Rates

CommunityAmerica Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About CommunityAmerica Credit Union

Does CommunityAmerica Credit Union offer CDs?

Are CDs from CommunityAmerica Credit Union NCUA insured?

What is the highest CD rate at CommunityAmerica Credit Union?

What CD terms does CommunityAmerica Credit Union offer?

What is the highest savings rate at CommunityAmerica Credit Union?

What is the highest money market rate at CommunityAmerica Credit Union?

What is the lowest auto loan rate at CommunityAmerica Credit Union?

What is the lowest personal loan rate at CommunityAmerica Credit Union?

What is the lowest credit card APR at CommunityAmerica Credit Union?

How many branches does CommunityAmerica Credit Union operate?

Is a member application needed to join CommunityAmerica Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CommunityAmerica Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do CommunityAmerica Credit Union rates compare?

Current CommunityAmerica Credit Union Rates

Compare to Other Credit Unions