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Coosa Pines Federal Credit Union Rates & Review September 2026

Coosa Pines Federal Credit Union's savings rates are at 0.55%. Coosa Pines Federal Credit Union's money market rates are at 3.00%. Coosa Pines Federal Credit Union's 1st Mortgage rates are at 4.50%, 1st Mortgage rates are at 4.65%, 1st Mortgage Only rates are at 4.60%, 15-Year Fixed Mortgage rates are at 5.60%, 1st Mortgage rates are at 4.80%. Coosa Pines Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.50%. Coosa Pines Federal Credit Union's Credit Card Rates are at 9.95%. MonitorBankRates evaluates the financial stability of Coosa Pines Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates last updated and verified on 09/18/2026.

Coosa Pines Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Coosa Pines Federal Credit Union? Share your experience about Coosa Pines Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Coosa Pines Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.87%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Coosa Pines Federal Credit Union
Coosa Pines Federal Credit Union
33710 US Highway 280
Childersburg, AL 35044-3016
https://www.coosapinesfcu.org
Member NCUA

Coosa Pines Federal Credit Union Savings Rates

Product Rate APY View More
Club Accounts (Christmas & Vacation Club) - 0.55%
Min Balance $5
Details APY = Annual Percentage Yield. RATES SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Regular Share (Savings) - 0.55%
Min Balance $5
Details APY = Annual Percentage Yield. RATES SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Share Account - 3.00%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.00 - $2,499.00; Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Money Market Share Account - 3.00%
Min Deposit $2,500
Min Balance $2,499
Details Balance: $2,499.01 - $24,999.00; Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Money Market Share Account - 3.00%
Min Deposit $2,500
Min Balance $24,999
Details Balance: $24,999.01 - $99,999.00; Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Money Market Share Account - 3.00%
Min Deposit $2,500
Min Balance $99,999
Details Balance: $99,999.01 - $199,999.00; Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Money Market Share Account - 3.00%
Min Deposit $2,500
Min Balance $199,999
Details Balance: $199,999.01 and over; Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Checking Rates

Product Rate APY View More
Regular Checking - 0.10%
Details APY = Annual Percentage Yield. RATES SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage 4.50% - 5.42%
Details Max LTV: <=80%; Credit Category: A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 4.65% - 5.51%
Details Max LTV: 90%; Credit Category: A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 4.60% - 5.52%
Details LTV: <=80%; Category: A+ Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
15-Year Fixed Mortgage - - 5.60% 15-Year
Details As Low As;
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 4.80% - 5.60%
Details Max LTV: 90%; Credit Category: A Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 4.75% - 5.61%
Details LTV: 90%; Category: A+ Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 5.40% - 5.67%
Details Max LTV: <=80%; Category: A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 4.90% - 5.70%
Details LTV: 90%; Category: A Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 5.60% - 5.87%
Details Max LTV: <=90%; Category: A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 5.40% - 5.96%
Details Max LTV: 80%; Credit Category: B Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 5.50% - 6.06%
Details LTV: 80%; Category: B Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 5.80% - 6.07%
Details Max LTV: <=90%; Category: A Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - - 6.25% to 60 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 5.90% - 6.26%
Details Max LTV: 70%; Credit Category: C Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 6.00% - 6.36%
Details LTV: 70%; Category: C Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - - 6.50% to 72 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 6.30% - 6.58%
Details Max LTV: <=80%; Category: B Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 6.90% - 6.90% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 6.95% - 6.95% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; A Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage 7.00% - 7.00% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; B Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
15-Year Fixed Rate Mortgage 6.95% - 7.23% 15 years
Details Term: 15-Year Fixed Rate Mortgage; Max LTV: <=75%; Category: C Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
1st Mortgage Only 6.95% - 7.23%
Details Max LTV: <=75%; Category: C Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - - 7.50% to 84 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - - 8.00% to 120 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Land Only or Unimproved/ Improved Property Mortgage 8.25% 1% 8.30% Twelve (12) Years
Details Maximum Loan to Value (LTV) on Unimproved Property is 65% of the appraised value or purchase price, whichever is less. Maximum Loan to Value (LTV) on Improved Property is 90% of the appraised value or purchase price, whichever is less. Example payment on $100,000 value land and loan of $65,000, 12-year fixed-rate mortgage at 8.25% rate is $712.87. The maximum Loan to Value (LTV) on Unimproved Property is 65% of the appraised value or purchase price, whichever is less. The maximum Loan to Value (LTV) on Improved Property is 90% of the appraised value or purchase price, whichever is less.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC 1st or 2nd Mortgage 6.50% - 6.50%
Details Max LTV: 90%; Credit Tier: A+ Rated Credit; Primary Dwelling Only; Adjustable Rate May Change Monthly Based on the Current Prime Lending Rate as Published in the WSJ; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments Based on 1.5% of the Outstanding Balance; Interest-Only Payments Available for A and A+ Tiers; Loan Amount $10,000 and up; Minimum Initial Draw $3,000; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Home Equity 1st or 2nd Mortgage - - 6.50%
Details Category: A+ Rated Credit; Primary Dwelling Only; Adjustable Rate May Change Monthly Based on the Current Prime Lending Rate as Published in the WSJ; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments Based On 1.5% of Outstanding Balance; Interest-Only Payments Available for A and A+ Tiers; Minimum Loan Amount $10,000; Maximum Loan Amount $50,000; Minimum Initial Draw $10,000; Current Year's Tax Assessment May Be Used in Place of Appraisal; No Origination Fee or Closing Costs. In certain situations, an appraisal may be required and fee will apply. PrimePlus Home Equity Line of Credit (HELOC) Mortgage rates are based on individual creditworthiness and Prime Lending Rate as published in the Wall Street Journal (WSJ). ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Restrictions apply. If PrimePlus Mini-HELOC balance remains most of $10,000 draw for first twelve (12) months from the date booked, the borrower will not be held responsible for actual loan costs.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
HELOC 1st or 2nd Mortgage 9.50% - 9.50%
Details Max LTV: 85%; Credit Tier: B Rated Credit; Primary Dwelling Only; Adjustable Rate May Change Monthly Based on the Current Prime Lending Rate as Published in the WSJ; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments Based on 1.5% of the Outstanding Balance; Interest-Only Payments Available for A and A+ Tiers; Loan Amount $10,000 and up; Minimum Initial Draw $3,000; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Home Equity 1st or 2nd Mortgage - - 9.50%
Details Category: B Rated Credit; Primary Dwelling Only; Adjustable Rate May Change Monthly Based on the Current Prime Lending Rate as Published in the WSJ; 2% Max Annual Adjustment; 6% Lifetime CAP; Payments Based On 1.5% of Outstanding Balance; Interest-Only Payments Available for A and A+ Tiers; Minimum Loan Amount $10,000; Maximum Loan Amount $50,000; Minimum Initial Draw $10,000; Current Year's Tax Assessment May Be Used in Place of Appraisal; No Origination Fee or Closing Costs. In certain situations, an appraisal may be required and fee will apply. PrimePlus Home Equity Line of Credit (HELOC) Mortgage rates are based on individual creditworthiness and Prime Lending Rate as published in the Wall Street Journal (WSJ). ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Restrictions apply. If PrimePlus Mini-HELOC balance remains most of $10,000 draw for first twelve (12) months from the date booked, the borrower will not be held responsible for actual loan costs.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.60%
Details As Low As;
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 4.60% to 51 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 4.70% to 63 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 4.70% to 51 months
Details As Low As; 2023-2018
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 4.80% to 63 months
Details As Low As; 2023-2018
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 5.20% to 75 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 5.60% to 75 months
Details As Low As; 2023-2018
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 6.20% to 84 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 6.40% to 84 months
Details As Low As; 2023-2018
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 7.10% to 63 months
Details As Low As; Models 2017-2007
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New & Used Auto Loans - - 7.40% to 48 months
Details As Low As; Models 2006 & Older and Antique
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 6.25% to 60 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 6.25% to 60 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 6.50% to 72 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 6.50% to 72 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 7.50% to 84 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 7.50% to 84 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan - 7.50% to 48 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan - 7.50% to 48 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used 2017 & Older - 7.90% to 48 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan - 7.90% to 60 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan - 7.90% to 60 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 8.00% to 120 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 8.00% to 120 months
Details As Low As; Rate restrictions apply. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan - 8.50% to 72 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan - 8.50% to 48 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan - 8.50% to 72 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan - 8.50% to 48 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Credit Card Rates

Product Rate APR View More
Coosa Pines VISA with UChooseTM Rewards - 9.95%
Details Fixed at 9.95%, 12.95%, or 15.95%, based on your creditworthiness.; APR range: 9.95%, 12.95%, or 15.95%
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Visa Platinum - 9.95%
Details As Low As;
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Personal Loan Rates

Product APR Term View More
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan 7.50% to 48 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan 7.50% to 48 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan 7.90% to 60 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan 7.90% to 60 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan 8.50% to 72 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan 8.50% to 48 months
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan 8.50% to 72 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan 8.50% to 48 months
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Personal Loan 10.50%
Details As Low As;
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
2nd Mortgage 7.95% - 7.95% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 8.20% - 8.20% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; A Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 8.30% - 8.30% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; B Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 8.40% - 8.40% 7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; C Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 6.50% - 7.08%
Details Max LTV: 90%; Credit Category: A+ Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 6.60% - 7.14%
Details Max LTV: 90%; Credit Category: A Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 7.25% - 7.54%
Details Max LTV: 80%; Credit Category: B Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
2nd Mortgage 7.50% - 7.73%
Details Max LTV: 70%; Credit Category: C Rated Credit
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Line of Credit - - 10.95%
Details As Low As; Personal/unsecured credit lines are offered at fixed rates ranging from 10.95% APR to 14.95% APR (Annual Percentage Rate).
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Monthly Payments Loan - - 10.75% to 48
Details As Low As; Certain term and rate restrictions apply.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Monthly Payments Loan - - 10.95% to 60
Details As Low As; Certain term and rate restrictions apply.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Monthly Payments Loan - - 10.75% 48 months
Details As Low As;
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%
Monthly Payments Loan - - 10.95% 60 months
Details As Low As;
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.87%

Financial Health History

Coosa Pines Federal Credit Union’s Texas Ratio stayed near 2.59% in Q2 2023 to 2.87% in Q1 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.

0% 1.0★ 1.8% 2.0★ 3.7% 3.0★ 5.5% 4.0★ 7.3% 5.0★ Healthy zone – entire history below the 15% limit 2.59% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.87% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$414M2.87%5.0A+
December 31, 2025$400M3.26%5.0A+
September 30, 2025$393M2.45%5.0A+
June 30, 2025$379M3.11%5.0A+
March 31, 2025$379M3.30%5.0A+
December 31, 2024$371M3.66%5.0A+
September 30, 2024$371M5.41%5.0A+
June 30, 2024$370M3.78%5.0A+
March 31, 2024$368M3.20%5.0A+
December 31, 2023$360M5.21%5.0A+
September 30, 2023$358M3.41%5.0A+
June 30, 2023$355M2.59%5.0A+
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 Coosa Pines Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Coosa Pines Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Coosa Pines Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coosa Pines Federal Credit Union
Address 33710 US Highway 280, Childersburg, AL 35044-3016
Phone 256-378-5559
Fax 256-378-3881
President Claude Welch
CEO Don Carden
Full-Time Employees 58
Part-Time Employees 1
Branch Locations 5
ATM Locations 5
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.87%
Return on Assets (ROA)
0.4073%
Return on Equity (ROE)
2.5483%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
413,565,833
Total Amount of Shares and Deposits
350,814,658
Total Shares and Deposits < 1 Year
347,788,489
Total Shares and Deposits 1 3 Years
2,739,114
Total Shares and Deposits > 3 Years
287,054
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,382,148
Total Uninsured Shares and Deposits > $250K (F+J)
23,382,148
Total Insured Shares and Deposits > $250K (item 17 less item K)
327,432,510
Total Interest Expense (Sum of items 6 8)
1,305,752
Share Certificates
2,407
Number of Accounts for Share Drafts
17,481
IRA KEOGH Accounts
1,072
Number of Accounts for Regular Shares
27,850
Money Market Shares
603
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)
43,853,240
Total Liabilities
352,669,575
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Coosa Pines Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Coosa Pines Federal Credit Union

How many branches does Coosa Pines Federal Credit Union operate?

Coosa Pines Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Coosa Pines Federal Credit Union?

Yes, to access services at Coosa Pines Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Coosa Pines Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coosa Pines Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Coosa Pines Federal Credit Union offer online and mobile banking?

Most modern institutions like Coosa Pines Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.coosapinesfcu.org.

Current Coosa Pines Federal Credit Union Rates

  • Savings0.55%
  • MMA3.00%
Retrieved from our database of financial products. Rates subject to change.