Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Credit Union 1 Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
Credit Union 1 Credit Union's top rates as of October 9, 2026 are 4.06% APY on its IRA CD - 1 year, 0.50% APY on savings, 0.05% APY on checking, 6.12% on its 15-Year Fixed First time Homebuyer mortgage, and personal loans from 11.50% APR, according to rates verified by MonitorBankRates. Other Credit Union 1 Credit Union CD rates include 1 Year CD at 3.55%, 1.5 Year CD at 3.55%, and 3 Year CD at 3.03%. Other Credit Union 1 Credit Union mortgage rates include 30-Year Fixed First time Homebuyer at 6.62%, 15-Year Fixed at 6.62%, and 30-Year Fixed at 7.12%. MonitorBankRates evaluates the financial stability of Credit Union 1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.15%. Rates last updated and verified on 10/09/2026.
Credit Union 1 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 Credit Union 1 Credit Union? Share your experience about Credit Union 1 Credit Union by leaving a review below, or read customer reviews before you decide to use Credit Union 1 Credit Union.
Credit Union 1 Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Credit Union 1 Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.15%
ExcellentLower than avg
Credit Union 1 Credit Union Texas Ratio
Credit Union 1 Credit Union's Texas Ratio is 5.15%, which is considered excellent and is lower than the national average of 6.13%.
Credit Union 1 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.45% to 5.15% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Credit Union 1 Credit Union CD Rates
Product
Rate
APY
Term
View More
IRA Certificate - 1 year
4.00%
4.06%
1 year
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
1 Year Certificate
3.50%
3.55%
1 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
1 Year Certificate
3.50%
3.55%
1 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
1.5 Year Certificate
3.50%
3.55%
1.5 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
1.5 Year Certificate
3.50%
3.55%
1.5 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
3 Year Certificate
3.00%
3.03%
3 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
3 Year Certificate
3.00%
3.03%
3 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
IRA Certificate - 3 year
3.00%
3.03%
3 year
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
2.5 Year Certificate
2.75%
2.78%
2.5 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.78% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
2.5 Year Certificate
2.75%
2.78%
2.5 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.78% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
5 Year Certificate
2.65%
2.68%
5 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.68% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
5 Year Certificate
2.65%
2.68%
5 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.68% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
IRA Certificate - 5 year
2.65%
2.68%
5 year
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
2 Year Certificate
2.50%
2.52%
2 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.52% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
2 Year Certificate
2.50%
2.52%
2 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.52% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
4 Year Certificate
2.50%
2.52%
4 Year
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.52% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
4 Year Certificate
2.50%
2.52%
4 Year
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.52% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
IRA Certificate - 2 year
2.50%
2.52%
2 year
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
IRA Certificate - 4 year
2.50%
2.52%
4 year
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
6 Month Certificate
2.25%
2.27%
6 Month
Min Balance$500
DetailsBalance: $500.00 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.27% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
6 Month Certificate
2.25%
2.27%
6 Month
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.27% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
3 Month Certificate
1.25%
1.26%
3 Month
Min Balance$500
DetailsBalance: $500-$99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
3 Month Certificate
1.25%
1.26%
3 Month
Min Balance$100,000
DetailsBalance: $100,000 or mor
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
0.15%
0.15%
Min Deposit$1
Min Balance$100
DetailsBalance: $100 balance at the end of the month
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Additional Savings
0.10%
0.10%
Min Balance$10
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Health Savings Account
0.09%
0.09%
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.09% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Health Savings Account
0.06%
0.06%
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Health Savings Account
0.03%
0.03%
Min Balance$1
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Business Savings Rates
Product
Rate
APY
View More
Premium Savings and Business Premium Savings
0.50%
0.50%
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Premium Savings and Business Premium Savings
0.40%
0.40%
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Premium Savings and Business Premium Savings
0.30%
0.30%
Min Balance$5,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Checking Rates
Product
Rate
APY
View More
Premium Checking
0.05%
0.05%
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Premium Checking
0.05%
0.05%
Min Balance$5,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15-Year Fixed First time Homebuyer
6.125%
-
6.452%
15 years
DetailsOwner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 15 years
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.69% → 6.45% ▲ 0.76 pts · high 6.45% / low 5.69%
Oct 9, 20266.45%▲ from 5.69%
Sep 14, 20265.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
30-Year Fixed First time Homebuyer
6.625%
-
6.829%
30 years
DetailsOwner Occupied 1st Deed of Trust (Single Family or Approved/Eligible Condo); Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.81% → 6.83% ▲ 1.02 pts · high 6.83% / low 5.81%
Oct 9, 20266.83%▲ from 5.81%
Sep 14, 20265.81%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
15-Year Fixed
6.625%
-
6.96%
15 years
DetailsOwner Occupied 1st Deed of Trust Single Family - 4-Plex or Approved/Eligible Condo; Based on a $100,000 loan for the specified term
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.07% → 6.96% ▲ 0.89 pts · high 6.96% / low 6.07%
Oct 9, 20266.96%▲ from 6.07%
Sep 14, 20266.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
30-Year Fixed
7.125%
-
7.338%
30 years
DetailsOwner Occupied 1st Deed of Trust Single Family - 4-Plex or Approved/Eligible Condo; Based on a $100,000 loan for the specified term
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.58% → 7.34% ▲ 0.76 pts · high 7.34% / low 6.58%
Oct 9, 20267.34%▲ from 6.58%
Sep 14, 20266.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Fixed Rate Mortgage - Real Estate Rates
7.75%
-
7.85%
20 years
DetailsOwner Occupied Home Equity 2nd Deed of Trust (Single Family - 4-Plex); Based on a $100,000 loan for a 20-year term; Maximum 85% loan to value; Maximum term: 20 years
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.85% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
20-Year Fixed
7.625%
-
7.91%
20 years
DetailsSecond Homes 1st Deed of Trust Single Family - 4-Plex or Approved/Eligible Condo; Based on a $100,000 loan for the specified term
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.02% → 7.91% ▲ 0.89 pts · high 7.91% / low 7.02%
Oct 9, 20267.91%▲ from 7.02%
Sep 14, 20267.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
20-Year Fixed
8.125%
-
8.552%
20 years
DetailsNon-Owner Occupied 1st Deed of Trust Single Family - 4-Plex; Based on a $100,000 loan for the specified term and the loan to value is 75% and below
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.53% → 8.55% ▲ 1.02 pts · high 8.55% / low 7.53%
Oct 9, 20268.55%▲ from 7.53%
Sep 14, 20267.53%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Cars and Trucks Loan
-
-
5.40%
DetailsAs low as; Maximum loan amount $250,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 6 times
DetailsAs low as; Maximum loan amount $250,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
ATV, Snowmachine and Watercraft Loan
-
6.80%
DetailsAs low as; Maximum loan $50,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.80% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Boats and Vessels Loan
-
7.50%
DetailsAs low as; Maximum loan amount $500,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
11.50%
DetailsAs low as; Borrow between $200 and $20,000. Consumer loan interest rates are best rates on approved credit, stated as Annual Percentage Rate (APR). Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Other terms and conditions may apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Credit Union 1 Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
12-Year Fixed
8.25%
-
8.556%
12 years
DetailsUnimproved/Recreational Property; Based on a $50,000 loan for a 12-year term; 5 year loan: 65% loan to value, 7.000%-7.639% APR
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.56% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Adjustable Rate Loan
7.25%
-
7.25%
DetailsOwner Occupied Equity Advantage HELOC (Single Family or Duplex); Minimum Rate: 4.000%; Maximum Rate: 15.000%; Monthly adjustable max. 85% loan to value
Last Updated10/09/2026
Rate History
1 change since Sep 22, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Oct 2, 20267.25%▲ from 7.00%
Sep 22, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Chrome Loan
-
-
16.50%
DetailsAPR for Purchase: 16.50%; APR for Balance Transfers: 16.50%; APR for Cash Advances: 16.50%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Classic Loan
-
-
11.95%
DetailsAPR for Purchase: 11.95%; APR for Balance Transfers: 11.95%; APR for Cash Advances: 11.95%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
CU1 Quick Loans
-
-
24.00%
12 months
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 24.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Gold Loan
-
-
10.50%
DetailsAPR for Purchase: 10.50% This APR will vary with the rate + 3.50% market based on the prime; APR for Balance Transfers: 10.50% This APR will vary with the rate + 3.50% market based on the prime; APR for Cash Advances: 10.50% This APR will vary with the rate + 3.50% market based on the prime
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25%
Sep 22, 202610.50%▲ from 10.25%
Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Platinum Loan
-
-
8.95%
DetailsAPR for Purchase: 8.95%; APR for Balance Transfers: 8.95%; APR for Cash Advances: 8.95%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Quick Loans
-
-
24.00%
up to 24 months
DetailsFixed interest rate
Last Updated10/09/2026
Rate History
No change since Oct 1, 2026 · 24.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Education IRA
0.15%
-
0.15%
Min Deposit$1
Min Balance$100
DetailsBalance: $100 balance at the end of the month
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Regular/Business Share
0.10%
-
0.10%
Min Deposit$5
Min Balance$10
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Roth Conversion
0.15%
-
0.15%
Min Deposit$1
Min Balance$100
DetailsBalance: $100 balance at the end of the month
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.15%
Financial Health History
Credit Union 1 Credit Union’s Texas Ratio fell from 6.45% in Q3 2023 to 5.15% 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 and its Health Grade from A to A+. 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
$1.7B
5.15%
5.0
A+
March 31, 2026
$1.5B
4.05%
5.0
A+
December 31, 2025
$1.5B
4.87%
5.0
A+
September 30, 2025
$1.5B
5.48%
5.0
A+
June 30, 2025
$1.5B
5.76%
5.0
A+
March 31, 2025
$1.5B
4.52%
5.0
A+
December 31, 2024
$1.5B
5.31%
5.0
A+
September 30, 2024
$1.4B
6.39%
5.0
A
June 30, 2024
$1.5B
6.29%
5.0
A
March 31, 2024
$1.6B
6.23%
5.0
A
December 31, 2023
$1.5B
6.47%
5.0
A
September 30, 2023
$1.4B
6.45%
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 Credit Union 1 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 Credit Union 1 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 Credit Union 1 Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
151,358,072
Total Uninsured Shares and Deposits > $250K (F+J)
151,358,072
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,247,184,862
Total Interest Expense (Sum of items 6 8)
6,601,452
Share Certificates
5,488
Number of Accounts for Share Drafts
73,203
IRA KEOGH Accounts
2,037
Number of Accounts for Regular Shares
130,830
All other shares
27
Money Market Shares
10,446
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)
80,506,870
Total Liabilities
1,470,627,432
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Credit Union 1 Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Credit Union 1 Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Credit Union 1 Credit Union
Frequently Asked Questions About Credit Union 1 Credit Union
How many branches does Credit Union 1 Credit Union operate?
Credit Union 1 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 Credit Union 1 Credit Union?
Yes, to access services at Credit Union 1 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, Credit Union 1 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, Credit Union 1 Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Credit Union 1 Credit Union offer online and mobile banking?
Most modern institutions like Credit Union 1 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.cu1.org.
Current Credit Union 1 Credit Union Rates
12-Month CD3.55%
24-Month CD2.52%
60-Month CD2.68%
Savings0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
