What are the current interest rates at Consumers Credit Union?

Current rates for Consumers Credit Union include: 12-Month CD: 0.90%, 18-Month CD: 0.99%, 24-Month CD: 1.00%, 60-Month CD: 1.50%, Savings: 1.16%, MMA: 3.82%

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Consumers Credit Union

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Consumers Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Consumers Credit Union's top rates as of October 7, 2026 are 4.35% APY on its 13 Month CD Account, 1.16% APY on savings, 3.82% APY on money market accounts, 5.00% APY on checking, and personal loans from 8.99% APR, according to rates verified by MonitorBankRates. Other Consumers Credit Union CD rates include 13 Month IRA CD Options at 4.35%, 7 Month CD Account at 4.35%, and 7 Month IRA CD Options at 4.35%. 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 6.15%. Rates last updated and verified on 10/07/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.15%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Consumers Credit Union
Lake Forest Admin Building

300 N Field Dr
lake Forest, IL 60045-2513

https://www.myconsumers.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
13 Month Certificate Account	4.26%	4.35%	13 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
13 Month IRA Certificate Options	4.26%	4.35%	13 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
7 Month Certificate Account	4.26%	4.35%	7 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
7 Month IRA Certificate Options	4.26%	4.35%	7 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Super-Jumbo 13-Month Certificate	-	4.35%	13-Month
Min Deposit $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Super-Jumbo 7-Month Certificate	-	4.35%	7-Month
Min Deposit $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
13 Month Certificate Account	4.22%	4.30%	13 Months
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
13 Month IRA Certificate Options	4.22%	4.30%	13 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
7 Month Certificate Account	4.22%	4.30%	7 Months
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
7 Month IRA Certificate Options	4.22%	4.30%	7 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Jumbo 13-Month Certificate	-	4.30%	13-Month
Min Deposit $100,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Jumbo 7-Month Certificate	-	4.30%	7-Month
Min Deposit $100,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
13 Month Certificate Account	4.17%	4.25%	13 Months
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
13 Month IRA Certificate Options	4.17%	4.25%	13 Months
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
7 Month Certificate Account	4.17%	4.25%	7 Months
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
7 Month IRA Certificate Options	4.17%	4.25%	7 Months
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
20 Month Certificate Account	3.54%	3.60%	20 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
20 Month IRA Certificate Options	3.54%	3.60%	20 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
20 Month Certificate Account	3.49%	3.55%	20 Months
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
20 Month IRA Certificate Options	3.49%	3.55%	20 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
20 Month Certificate Account	3.45%	3.50%	20 Months
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
20 Month IRA Certificate Options	3.45%	3.50%	20 Months
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
5 Year Certificate Account	1.69%	1.70%	5 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
5 Year IRA Certificate Options	1.69%	1.70%	5 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
5 Year Certificate Account	1.59%	1.60%	5 Years
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
5 Year IRA Certificate Options	1.59%	1.60%	5 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
4 Year Certificate Account	1.54%	1.55%	4 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
4 Year IRA Certificate Options	1.54%	1.55%	4 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Year Certificate Account	1.49%	1.50%	3 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Year IRA Certificate Options	1.49%	1.50%	3 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
5 Year Certificate Account	1.49%	1.50%	5 Years
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
5 Year IRA Certificate Options	1.49%	1.50%	5 Years
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
4 Year Certificate Account	1.44%	1.45%	4 Years
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
4 Year IRA Certificate Options	1.44%	1.45%	4 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Year Certificate Account	1.39%	1.40%	3 Years
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Year IRA Certificate Options	1.39%	1.40%	3 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
30 Month Certificate Account	1.38%	1.39%	30 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
30 Month IRA Certificate Options	1.38%	1.39%	30 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
4 Year Certificate Account	1.34%	1.35%	4 Years
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
4 Year IRA Certificate Options	1.34%	1.35%	4 Years
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Year Certificate Account	1.29%	1.30%	3 Years
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
3 Year IRA Certificate Options	1.29%	1.30%	3 Years
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
30 Month Certificate Account	1.29%	1.29%	30 Months
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
30 Month IRA Certificate Options	1.29%	1.29%	30 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
2 Year Certificate Account	1.20%	1.20%	2 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
2 Year IRA Certificate Options	1.20%	1.20%	2 Years
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
18 Month Certificate Account	1.19%	1.19%	18 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
18 Month IRA Certificate Options	1.19%	1.19%	18 Months
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
30 Month Certificate Account	1.19%	1.19%	30 Months
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
30 Month IRA Certificate Options	1.19%	1.19%	30 Months
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
1 Year Certificate Account	1.10%	1.10%	1 year
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
1 Year IRA Certificate Options	1.10%	1.10%	1 year
Min Deposit $250,000 Min Balance $250,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
2 Year IRA Certificate Options	1.10%	1.10%	2 Years
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
18 Month IRA Certificate Options	1.09%	1.09%	18 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
1 Year Certificate Account	1.00%	1.00%	1 Year
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
1 Year IRA Certificate Options	1.00%	1.00%	1 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
2 Year Certificate Account	1.00%	1.00%	2 Years
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
2 Year IRA Certificate Options	1.00%	1.00%	2 Years
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
18 Month Certificate Account	0.99%	0.99%	18 Months
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
18 Month IRA Certificate Options	0.99%	0.99%	18 Months
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
1 Year Certificate Account	0.90%	0.90%	1 Year
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
1 Year IRA Certificate Options	0.90%	0.90%	1 Year
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
6 Month Certificate Account	0.65%	0.65%	6 Months
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
6 Month IRA Certificate Options	0.65%	0.65%	6 Months
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
91 Day Certificate Account	0.50%	0.50%	91 Day
Min Deposit $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
91 Day IRA Certificate Options	0.50%	0.50%	91 Day
Min Deposit $250 Min Balance $250 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Savings Rates

Product	Rate	APY
Smart Saver	2.96%	3.00%
Min Deposit $5 Details Qualifications Required; Smart Saver Qualifications Met Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Health Savings Account	1.15%	1.16%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.16% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Health Savings Account	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Health Savings Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Health Savings Account	0.55%	0.55%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Holiday Club Savings	0.25%	0.25%
Min Deposit $5 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
IRA Savings	0.25%	0.25%
Min Deposit $10 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Smart Saver	0.25%	0.25%
Min Deposit $5 Details Qualifications Required: Smart Saver Qualifications Not Met; Smart Saver Qualifications Not Met Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 0.25% ▼ 2.75 pts · high 3.00% / low 0.25% Oct 7, 20260.25%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Membership Share Savings	0.03%	0.03%
Min Deposit $5 Last Updated 10/07/2026 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: 6.15%
Special Share Savings	0.03%	0.03%
Min Deposit $5 Last Updated 10/07/2026 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: 6.15%

Consumers Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.16%	1.16%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.16% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
IRA Money Market	1.15%	1.15%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
IRA Money Market	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Money Market	0.75%	0.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
IRA Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
IRA Money Market	0.55%	0.55%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Money Market	0.55%	0.55%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.75%	3.82%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Business Money Market	2.75%	2.78%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Business Money Market	1.75%	1.76%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Business Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Business Money Market	0.65%	0.65%
Min Balance $500 Details Balance: $500 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	-	5.00%
Min Balance $0 Details Qualifications Required: Basic service requirements plus $1,000 spend on CCU credit card; Balance: Up to $10,000; A-Basic service requirements plus $1,000 spend on CCU credit card Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Rewards Checking	-	4.00%
Min Balance $0 Details Qualifications Required: Basic service requirements plus $500 spend on CCU credit card; Balance: Up to $10,000; B - Basic service requirements plus $500 spend on CCU credit card Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Rewards Checking	-	3.00%
Min Balance $0 Details Qualifications Required: Basic service requirements; Balance: Up to $10,000; C - Basic service requirements Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Rewards Checking	-	0.20%
Min Balance $10,000 Details Balance: $10,000.01 to $25,000; A Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Rewards Checking	-	0.10%
Min Balance $25,000 Details Balance: $25,000.01 and above; A Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Rewards Checking	-	0.01%
Min Balance $0 Details Balance: $0.01 and above; Service Requirements not met Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	7.00%	5 Year
Details LTV: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Home Equity Loan	-	-	7.50%	10 Year
Details LTV: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Home Equity Loan	-	-	7.75%	15 Year
Details LTV: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Home Equity Loan	-	-	8.00%	20 Year
Details LTV: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.99%	0-60 Months
Details With Auto Buying Service**; 2025 and Newer Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	4.49%	0-60 Months
Details With Auto Buying Service**; 2023 to 2024 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	4.49%	61-72 Months
Details With Auto Buying Service**; 2025 and Newer Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	4.99%	0-60 Months
Details With Auto Buying Service**; 2020 to 2022 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	4.99%	61-72 Months
Details With Auto Buying Service**; 2023 to 2024 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	5.49%	0-60 Months
Details Without Auto Buying Service; 2020 to 2022 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 7, 20265.49%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	5.49%	61-72 Months
Details With Auto Buying Service**; 2020 to 2022 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	5.49%	73-84 Months
Details With Auto Buying Service**; 2025 and Newer Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	5.99%	61-72 Months
Details Without Auto Buying Service; 2020 to 2022 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 7, 20265.99%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	5.99%	73-84 Months
Details With Auto Buying Service**; 2023 to 2024 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	6.49%	73-84 Months
Details With Auto Buying Service**; 2020 to 2022 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	6.99%	73-84 Months
Details Without Auto Buying Service; 2020 to 2022 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.49% Oct 7, 20266.99%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	7.99%	0-60 Months
Details With Auto Buying Service*; 2019 and Older Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 7.99% ▲ 3.00 pts · high 7.99% / low 4.99% Oct 7, 20267.99%▲ from 4.99%* Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	8.49%	0-60 Months
Details Without Auto Buying Service; 2019 and Older Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 8.49% ▲ 3.50 pts · high 8.49% / low 4.99% Oct 7, 20268.49%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	8.49%	61-72 Months
Details With Auto Buying Service*; 2019 and Older Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 8.49% ▲ 3.00 pts · high 8.49% / low 5.49% Oct 7, 20268.49%▲ from 5.49%* Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	8.99%	61-72 Months
Details Without Auto Buying Service; 2019 and Older Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 8.99% ▲ 3.50 pts · high 8.99% / low 5.49% Oct 7, 20268.99%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	9.49%	73-84 Months
Details With Auto Buying Service*; 2019 and Older Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 9.49% ▲ 3.00 pts · high 9.49% / low 6.49% Oct 7, 20269.49%▲ from 6.49%* Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Auto Loan	-	-	9.99%	73-84 Months
Details Without Auto Buying Service; 2019 and Older Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 9.99% ▲ 3.50 pts · high 9.99% / low 6.49% Oct 7, 20269.99%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Powersports Loan	-	8.49%	0 - 60 months
Details Additional APR listed for this product: 8.99%, 9.99%, 12.99%. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Powersports Loan	-	8.99%	61 - 72 months
Details Additional APR listed for this product: 9.49%, 10.49%, 13.49%. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	8.99%	0 - 60 months
Details Loan Amount: Any; APR* - 2025 and 2026 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	9.49%	0 - 60 months
Details Loan Amount: Any; APR* - 2023 and 2024 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	9.49%	61 - 120 months
Details Loan Amount: $20K - $60K; APR* - 2025 and 2026 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
Powersports Loan	-	9.99%	73 - 84 months
Details Additional APR listed for this product: 10.49%, 11.49%, 14.49%. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	9.99%	61 - 120 months
Details Loan Amount: $20K - $60K; APR* - 2023 and 2024 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	10.49%	0 - 60 months
Details Loan Amount: Any; APR* - 2020 to 2022 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	10.49%	121 - 180 months
Details Loan Amount: $61K+; APR* - 2025 and 2026 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	10.99%	61 - 120 months
Details Loan Amount: $20K - $60K; APR* - 2020 to 2022 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	10.99%	121 - 180 months
Details Loan Amount: $61K+; APR* - 2023 and 2024 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	11.99%	121 - 180 months
Details Loan Amount: $61K+; APR* - 2020 to 2022 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	13.49%	0 - 60 months
Details Loan Amount: Any; APR* - 2019 and Older Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	13.99%	61 - 120 months
Details Loan Amount: $20K - $60K; APR* - 2019 and Older Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%
RV Loan	-	14.99%	121 - 180 months
Details Loan Amount: $61K+; APR* - 2019 and Older Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 14.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan (Unsecured)	8.99%
Details Based on loan amount and credit qualifications Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

Consumers Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Rewards Checking	5.00%	-	5.00%
Min Balance $0 Details Cardholder tier: CCU Visa; Qualifications Required: Spend $1000 or more with any CCU Visa Credit Card each month; no minimum number of transactions; Earn up to 5.00% APY on balances up to $10,000.00. Meet requirements to earn 3.00% APY plus spend $1000 or more with any CCU Visa Credit Card each month; no minimum number of transactions. Variable rate account. APY accurate as of 02/09/2026. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.15%

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

Consumers Credit Union’s Texas Ratio fell from 9.88% in Q3 2023 to 6.15% in Q2 2026, so its financial health has improved over the past 12 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
June 30, 2026	$4.6B	6.15%	5.0	A
March 31, 2026	$4.6B	6.46%	5.0	A
December 31, 2025	$4.5B	6.70%	5.0	A
September 30, 2025	$4.4B	6.46%	5.0	A
June 30, 2025	$4.3B	6.08%	5.0	A
March 31, 2025	$4.2B	6.61%	5.0	A
December 31, 2024	$4.0B	8.10%	5.0	A
September 30, 2024	$3.5B	8.81%	5.0	A
June 30, 2024	$3.5B	8.27%	5.0	A
March 31, 2024	$3.6B	8.48%	5.0	A
December 31, 2023	$3.5B	10.80%	5.0	A
September 30, 2023	$3.4B	9.88%	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.myconsumers.org

Address 300 N Field Dr, lake Forest, IL 60045-2513

Phone 847-623-3636

Fax

President Scott Drabicki

CEO Sean Rathjen

Full-Time Employees 593

Part-Time Employees 6

Branch Locations 25

ATM Locations 24

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

6.15%

Return on Assets (ROA)

0.3746%

Return on Equity (ROE)

4.2846%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

4,641,180,763

Total Amount of Shares and Deposits

3,695,707,107

Total Shares and Deposits < 1 Year

3,605,322,214

Total Shares and Deposits 1 3 Years

87,812,515

Total Shares and Deposits > 3 Years

2,572,378

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

406,824,884

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

427,039,933

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

3,268,667,174

Total Interest Expense (Sum of items 6 8)

53,446,366

Share Certificates

24,359

Number of Accounts for Share Drafts

144,046

IRA KEOGH Accounts

5,616

Number of Accounts for Regular Shares

318,831

All other shares

1,595

Non Member Deposits

1,609

Money Market Shares

8,935

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

17,384,552

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)

429,564,668

Total Liabilities

4,236,770,322

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Consumers 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.

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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.

Customer Reviews

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

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Consumers Credit Union

Frequently Asked Questions About Consumers Credit Union

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.myconsumers.org.

Current Consumers Credit Union Rates

12-Month CD0.90%
18-Month CD0.99%
24-Month CD1.00%
60-Month CD1.50%
Savings1.16%
MMA3.82%

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

Compare to Other Credit Unions

Consumers Credit Union Rates & Review October 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 Business Money Market Rates

Consumers Credit Union Checking 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 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

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?

Current Consumers Credit Union Rates

Compare to Other Credit Unions