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Consumers Credit Union Rates & Review November 2026

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

Current rates for Consumers Credit Union include: 12-Month CD: 0.30%, 24-Month CD: 0.45%, 60-Month CD: 1.01%, Savings: 0.50%, MMA: 0.50%

Q: What CD terms does Consumers Credit Union offer?

Consumers Credit Union CD rates are 0.15% APY for a 6 month CD, 0.35% APY for a 12 month CD, 0.50% APY for a 2 year CD, 0.74% APY for a 3 year CD and 1.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Consumers Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Consumers Credit Union's 60 Month CD rates are at 1.10%, 36 Month CD rates are at 0.74%, 24 Month CD rates are at 0.50%, 12 Month CD rates are at 0.35%, 6 Month CD rates are at 0.15%. Consumers Credit Union's savings rates are at 0.50%. Consumers Credit Union's money market rates are at 0.50%. Consumers Credit Union's checking rates are as high as 4.00%. Consumers Credit Union's Current Mortgage Purchase - 30-Yr VA Loan rates are at 7.12%, Mortgage Refinance - 30-Yr VA Loan rates are at 7.12%, 30-Yr JUMBO Fixed rates are at 7.38%, 30-Yr FHA Loan rates are at 6.99%, 30-Yr JUMBO Refi rates are at 7.75%. Consumers Credit Union's RV, Boat and Powersport Loan Rates are as low as 11.79%. Consumers Credit Union's Credit Card Rates are at 8.99%. Consumers Credit Union's CD rates are 80% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Consumers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.56%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Consumers Credit Union
Groves

7200 Elm Valley Dr
Kalamazoo, MI 49009

https://www.consumerscu.org

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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.

Consumers Credit Union CD Rates

Product	Rate	APY	Term
60 Month CD	1.095%	1.10%	60 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
60 Month CD	1.005%	1.01%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$24,999; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
36 Month CD	0.74%	0.74%	36 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.74% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
36 Month CD	0.69%	0.69%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$24,999; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.69% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
24 Month CD	0.50%	0.50%	24 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
24 Month CD	0.45%	0.45%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$24,999; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
12 Month CD	0.35%	0.35%	12 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
12 Month CD	0.30%	0.30%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$24,999; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
6 Month CD	0.15%	0.15%	6 Month
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
6 Month CD	0.10%	0.10%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$24,999; $1,000 minimum deposit required; early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Savings Rates

Product	Rate	APY
Liquid Savings Account	0.499%	0.50%
Min Balance $2,500 Details Promotional for first 12 months; Balance: $2,500.00 - $250,000.00; After 12 months, 0.10% APY; Offer available on personal accounts only; Funds currently on deposit at Consumers Credit Union are not eligible; Limit one promotional account per household Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Christmas Savings	0.25%	0.25%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Savings	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $50 Details Balance: $50+ Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Money Market Rates

Product	Rate	APY
Money Market IRA	0.50%	0.50%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.40% ▲ 0.05 pts · high 0.40% / low 0.35% Oct 26, 20260.40%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.35% ▲ 0.05 pts · high 0.35% / low 0.30% Oct 26, 20260.35%▲ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.30% ▲ 0.05 pts · high 0.30% / low 0.25% Oct 26, 20260.30%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 0.25% / low 0.20% Oct 26, 20260.25%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 26, 20260.20%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 26, 20260.15%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Checking Rates

Product	Rate	APY
Serious Interest Checking	3.929%	4.00%
Min Balance $0 Details Qualifications Required; Balance: $0 - $15,000; Qualifying balance up to $15,000.00; Reward qualifications apply to the monthly high interest reward (4.00% APY); requirement list truncated in source Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Serious Interest Checking	-	4.00%
Min Balance $1,000 Details Qualifications Required; Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00; Open online or in-person (Michigan residents or workers); Limit one per Social Security number Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000 and over; $1,000 minimum daily balance required to avoid $10 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999; $1,000 minimum daily balance required to avoid $10 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999; $1,000 minimum daily balance required to avoid $10 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999; $1,000 minimum daily balance required to avoid $10 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999; $1,000 minimum daily balance required to avoid $10 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $9,999; $1,000 minimum daily balance required to avoid $10 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Current Mortgage Purchase - 30-Yr VA Loan	7.125%	0.000%	7.231%	30 years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.48% → 7.23% ▼ 0.25 pts · high 7.48% / low 7.23% Oct 29, 20267.23%▼ from 7.48% Oct 9, 20267.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Mortgage Refinance - 30-Yr VA Loan	7.125%	0.000%	7.231%	30-Yr
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 6.85% → 7.23% ▲ 0.38 pts · high 7.48% / low 6.85% Oct 26, 20267.23%▼ from 7.48% Sep 29, 20267.48%▲ from 7.23% Sep 26, 20267.23%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr JUMBO Fixed	7.375%	0.000%	7.391%	30 years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 7.52% → 7.39% ▼ 0.13 pts · high 7.52% / low 7.39% Oct 29, 20267.39%▼ from 7.52% Oct 9, 20267.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr FHA Loan	6.99%	0.000%	7.634%	30 years
No additional details. Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 7.39% → 7.63% ▲ 0.25 pts · high 7.90% / low 7.39% Oct 29, 20267.63%▼ from 7.90% Sep 29, 20267.90%▲ from 7.63% Sep 26, 20267.63%▲ from 7.39% Sep 14, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr JUMBO Refi	7.75%	0.000%	7.766%	30-Yr
No additional details. Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 7.52% → 7.77% ▲ 0.25 pts · high 7.89% / low 7.52% Oct 29, 20267.77%▼ from 7.89% Sep 29, 20267.89%▲ from 7.77% Sep 26, 20267.77%▲ from 7.64% Sep 22, 20267.64%▲ from 7.52% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit Promotion	-	-	7.00%	12 months
Details Intro/promo APR: 5.99%; Intro rate expires: 12 months; Regular APR: as low as 7.00% after the introductory period Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 7.00% ▲ 2.01 pts · high 7.00% / low 4.99% Oct 29, 20267.00%▲ from 5.99% Sep 26, 20265.99%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Automobile Loans	-	-	6.40%	up to 96 months
Details As Low As; APR* as low as; Loan rates effective September 30, 2026; Offer available only for applicants with a credit score of 690 or higher and vehicle collateral model year 2018 or newer; 90-day payment deferral available subject to credit approval Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.69% → 6.40% ▼ 0.29 pts · high 6.69% / low 6.40% Oct 13, 20266.40%▼ from 6.69% Oct 9, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Loan	-	6.99%	up to 180 months
Details As Low As; 90-day payment deferral available upon credit approval (credit score 690+ and 2018 or newer collateral); interest accrues from loan disbursement Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Motorcycles (650 CC & above) Loan	-	8.74%	up to 120 months
Details APR* as low as; Footnote 1: 90 days payment deferral option is available upon credit approval, some restrictions apply. Interest begins accruing upon loan disbursement. Deferred payment option only available to applicants with a credit score of 690+ AND 2018 or newer collateral. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Travel Trailers/Motorhomes (RV) Loan	-	8.74%	up to 180 months
Details As Low As; 90-day payment deferral available upon credit approval, some restrictions apply; deferred payment option only for credit score 690+ AND 2018 or newer collateral Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan	-	11.79%	up to 120 months
Details APR * as low as; 1 Indicates 90 days payment deferral option is available upon credit approval, some restrictions apply. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 11.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Low Rate	-	8.99%
Details Variable APR; credit line range $2,000 - $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 9, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Mastercard Cash Back	-	16.99%
Details Variable APR; credit line range $2,000 - $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 16.74% → 16.99% ▲ 0.25 pts · high 16.99% / low 16.74% Oct 9, 202616.99%▲ from 16.74% Sep 14, 202616.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Personal Loan Rates

Product	APR	Term	View More
Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan	11.79%	up to 120 months
Details APR * as low as; 1 Indicates 90 days payment deferral option is available upon credit approval, some restrictions apply. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 11.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15-Yr Fixed Purchase	6.50%	0.500%	6.679%	15 years
Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.93% → 6.68% ▼ 0.25 pts · high 6.93% / low 6.68% Oct 29, 20266.68%▼ from 6.93% Oct 9, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
15-Yr Fixed Purchase	6.625%	0.250%	6.764%	15 years
Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 6.93% → 6.76% ▼ 0.17 pts · high 6.93% / low 6.76% Oct 29, 20266.76%▼ from 6.93% Oct 9, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
15-Yr Refinance	6.625%	0.625%	6.824%	15-Yr
Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.72% → 6.82% ▲ 0.10 pts · high 7.18% / low 6.72% Oct 29, 20266.82%▼ from 6.97% Oct 13, 20266.97%▼ from 7.08% Oct 9, 20267.08%▼ from 7.18% Sep 29, 20267.18%▲ from 7.02% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
15-Yr Refinance	6.75%	0.250%	6.889%	15-Yr
Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.72% → 6.89% ▲ 0.17 pts · high 7.18% / low 6.72% Oct 29, 20266.89%▼ from 6.97% Oct 13, 20266.97%▼ from 7.08% Oct 9, 20267.08%▼ from 7.18% Sep 29, 20267.18%▲ from 7.02% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Fixed Purchase	7.125%	0.125%	7.20%	30 years
Last Updated 10/29/2026 Rate History 4 changes since Oct 2, 2026 · 7.25% → 7.20% ▼ 0.05 pts · high 7.36% / low 7.13% Oct 29, 20267.20%▲ from 7.13% Oct 19, 20267.13%▼ from 7.25% Oct 13, 20267.25%▼ from 7.36% Oct 9, 20267.36%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Fixed Purchase	7.25%	0.000%	7.312%	30 years
Last Updated 10/29/2026 Rate History 4 changes since Oct 2, 2026 · 7.25% → 7.31% ▲ 0.06 pts · high 7.36% / low 7.13% Oct 29, 20267.31%▲ from 7.13% Oct 19, 20267.13%▼ from 7.25% Oct 13, 20267.25%▼ from 7.36% Oct 9, 20267.36%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Fixed Purchase	-	-	7.125%	30-Yr
Details As Low As; Mortgage, 30-Yr Fixed Purchase; APR as shown in Today's Rates Last Updated 10/29/2026 Rate History 1 change since Oct 2, 2026 · 7.25% → 7.13% ▼ 0.13 pts · high 7.25% / low 7.13% Oct 19, 20267.13%▼ from 7.25% Oct 2, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr MSHDA No DPA Fixed	6.50%	0.000%	6.619%	30 years
Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr MSHDA with DPA Fixed	7.125%	0.000%	7.248%	30 years
Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Refinance	7.25%	0.250%	7.338%	30-Yr
Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 7.31% → 7.34% ▲ 0.03 pts · high 7.70% / low 7.31% Oct 29, 20267.34%▼ from 7.58% Oct 13, 20267.58%▼ from 7.59% Oct 9, 20267.59%▼ from 7.70% Sep 29, 20267.70%▲ from 7.44% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Refinance	7.375%	0.000%	7.438%	30-Yr
Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 7.31% → 7.44% ▲ 0.13 pts · high 7.70% / low 7.31% Oct 29, 20267.44%▼ from 7.58% Oct 13, 20267.58%▼ from 7.59% Oct 9, 20267.59%▼ from 7.70% Sep 29, 20267.70%▲ from 7.44% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Zero Down Loan	8.00%	0.000%	8.086%	30 years
Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 8.21% → 8.09% ▼ 0.13 pts · high 8.21% / low 8.09% Oct 29, 20268.09%▼ from 8.21% Oct 9, 20268.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Yearly Strides	1.736%	-	1.75%
Min Balance $100 Details Balance: $100 - $250,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

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

Consumers Credit Union’s Texas Ratio rose from 2.31% in Q3 2023 to 3.56% 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	$2.9B	3.56%	5.0	A+
March 31, 2026	$2.9B	1.88%	5.0	A+
December 31, 2025	$2.7B	3.61%	5.0	A+
September 30, 2025	$2.6B	2.97%	5.0	A+
June 30, 2025	$2.5B	2.54%	5.0	A+
March 31, 2025	$2.5B	0.98%	5.0	A+
December 31, 2024	$2.4B	3.10%	5.0	A+
September 30, 2024	$2.4B	3.46%	5.0	A+
June 30, 2024	$2.3B	1.99%	5.0	A+
March 31, 2024	$2.3B	1.50%	5.0	A+
December 31, 2023	$2.2B	2.92%	5.0	A+
September 30, 2023	$2.1B	2.31%	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 Consumers 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 Consumers 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 Consumers Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Consumers Credit Union

Website https://www.consumerscu.org

Address 7200 Elm Valley Dr, Kalamazoo, MI 49009

Phone 269-345-7804

Fax

President Nick Zafer

CEO Scott Sylvester

Full-Time Employees 473

Part-Time Employees 30

Branch Locations 34

ATM Locations 46

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.56%

Return on Assets (ROA)

0.6025%

Return on Equity (ROE)

6.4372%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

2,892,576,166

Total Amount of Shares and Deposits

2,365,305,907

Total Shares and Deposits < 1 Year

2,157,483,841

Total Shares and Deposits 1 3 Years

172,389,020

Total Shares and Deposits > 3 Years

35,433,045

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

418,230,346

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

418,230,346

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

1,947,075,561

Total Interest Expense (Sum of items 6 8)

31,755,869

Share Certificates

11,762

Number of Accounts for Share Drafts

113,774

IRA KEOGH Accounts

1,858

Number of Accounts for Regular Shares

188,383

Non Member Deposits

Money Market Shares

18,812

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)

100,729,511

Total Liabilities

2,621,840,716

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Consumers 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.

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

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

Customer Reviews

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Frequently Asked Questions About Consumers Credit Union

Does Consumers Credit Union offer CDs?

Yes. Consumers Credit Union current CD rates include its 60 Month CD at 1.10% APY, its 36 Month CD at 0.74% APY and its 24 Month CD at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Consumers Credit Union NCUA insured?

Yes. Consumers 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 Consumers Credit Union?

The highest Consumers Credit Union CD rate is its 60 Month CD at 1.10% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Consumers Credit Union offer?

Consumers Credit Union CD rates are 0.15% APY for a 6 month CD, 0.35% APY for a 12 month CD, 0.50% APY for a 2 year CD, 0.74% APY for a 3 year CD and 1.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Consumers Credit Union for its full lineup.

What is the highest savings rate at Consumers Credit Union?

The highest Consumers Credit Union savings rate is its Liquid Savings Account at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest Consumers Credit Union money market rate is its Money Market IRA at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Consumers Credit Union?

The highest Consumers Credit Union checking rate is its Serious Interest Checking at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Consumers Credit Union?

The lowest Consumers Credit Union 30 year fixed mortgage rate is its 30-Yr JUMBO Fixed at 7.375%, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Consumers Credit Union auto loan rate is its Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan at 11.79% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Consumers Credit Union personal loan rate is its Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan at 11.79% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Consumers Credit Union credit card APR is its Mastercard Low Rate Credit Card at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Consumers Credit Union operate?

Consumers 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 Consumers Credit Union?

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

Does Consumers Credit Union offer online and mobile banking?

Most modern institutions like Consumers 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.consumerscu.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 Consumers Credit Union rates compare?

Consumers Credit Union's CD rates are 80% lower than the MonitorBankRates national average, and it has an A+ health rating. Consumers Credit Union's top rates are its 60 Month CD at 1.10% APY, its Liquid Savings Account at 0.50% APY, its Money Market IRA at 0.50% APY, its Serious Interest Checking at 4.00% APY, its 30-Yr FHA Loan at 6.99%, its Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan at 11.79% APR and its Mastercard Low Rate Credit Card at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Consumers Credit Union Rates

12-Month CD0.30%
24-Month CD0.45%
60-Month CD1.01%
Savings0.50%
MMA0.50%

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

Compare to Other Credit Unions

Consumers Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Consumers Credit Union Texas Ratio

Consumers Credit Union Health Trend

Consumers Credit Union CD Rates

Consumers Credit Union Savings Rates

Consumers Credit Union Business Savings Rates

Consumers Credit Union Money Market Rates

Consumers Credit Union Checking Rates

Consumers Credit Union Business Checking Rates

Consumers Credit Union Mortgage Rates

Consumers Credit Union Home Equity & HELOC

Consumers Credit Union Auto Loan Rates

Consumers Credit Union RV, Boat and Powersport Loan Rates

Consumers Credit Union Credit Card Rates

Consumers Credit Union Personal Loan Rates

Consumers Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Consumers Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Consumers Credit Union

Does Consumers Credit Union offer CDs?

Are CDs from Consumers Credit Union NCUA insured?

What is the highest CD rate at Consumers Credit Union?

What CD terms does Consumers Credit Union offer?

What is the highest savings rate at Consumers Credit Union?

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

What is the highest checking rate at Consumers Credit Union?

What is the lowest 30 year fixed mortgage rate at Consumers Credit Union?

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

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

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

How many branches does Consumers Credit Union operate?

Is a member application needed to join Consumers Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Consumers 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 Consumers Credit Union rates compare?

Current Consumers Credit Union Rates

Compare to Other Credit Unions