What are the current interest rates at Credit Union of America?

Current rates for Credit Union of America include: Savings: 0.10%

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Credit Union of America

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Credit Union of America Rates & Review September 2026

Q: How many branches does Credit Union of America operate?

Credit Union of America 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 Credit Union of America?

Yes, to access services at Credit Union of America, 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union of America 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: September 21, 2026

Credit Union of America's savings rates are at 0.10%. Credit Union of America's 5/1 FRM Loan rates are at 6.00%, 7/1 FRM Loan rates are at 6.25%, 15 Year Fixed Rate rates are at 6.62%, Flexible Rate Mortgages (FRM) - 30 Year VA rates are at 6.75%, 10 Year Fixed Rate rates are at 6.62%. MonitorBankRates evaluates the financial stability of Credit Union of America with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Credit Union of America
Salina

582 S Ohio St
Salina, KS 67401-3321

https://www.cuofamerica.com

Credit Union of America Savings Rates

Product	Rate	APY
High-Yield Savings Account	3.20%	3.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 to $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
High-Yield Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.01 or more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Credit Union of America Mortgage Rates

Product	Rate	Points	APR	Term
5/1 FRM Loan	6.00%	-	6.75%
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
7/1 FRM Loan	6.25%	-	6.76%
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
15 Year Fixed Rate	6.63%	-	6.83%	15 Year Fixed Rate
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Flexible Rate Mortgages (FRM) - 30 Year VA	6.75%	-	6.87%	30 Year
Details Down Payment: 0.00%; Loan Amount: $250,000.00; LTV: 100.00% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
10 Year Fixed Rate	6.63%	-	6.91%	10 Year Fixed Rate
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
30 Year Fixed Rate	7.00%	-	7.13%	30 Year Fixed Rate
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
20 Year Fixed Rate	7.00%	-	7.17%	20 Year Fixed Rate
Details Down Payment: 20%; Loan Amount: $200,000.00; LTV: 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Flexible Rate Mortgages (FRM) - 30 Year FHA	6.75%	-	7.59%	30 Year
Details Down Payment: 3.50%; Loan Amount: $241,250.00; LTV: 96.50% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
30 Year Fixed Rate No PMI (Zero Down)	7.50%	-	7.67%	30 Year
Details Term: 30 Year Fixed Rate No PMI (Zero Down); Down Payment: 0%; Loan Amount: $200,000.00; LTV: 100% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Build Mortgages - 5 Year Lot Loan Fixed Rate	7.75%	-	8.92%	5 Year
Details Down Payment: 30% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New Build Mortgages - 10 Year Lot Loan Fixed Rate	8.75%	-	9.39%	10 Year
Details Down Payment: 30% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Credit Union of America Other Rates

Product	Rate	Points	APY/APR
Regular Shares	0.05%	-	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 to $2,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Regular Shares	0.10%	-	0.10%
Min Deposit $1 Min Balance $2,500 Details Balance: $2,500.00 or more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

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

Credit Union of America’s Texas Ratio rose from 2.47% in Q2 2023 to 3.58% 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.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.8B	3.58%	5.0	A+
December 31, 2025	$1.8B	4.00%	5.0	A+
September 30, 2025	$1.7B	3.97%	5.0	A+
June 30, 2025	$1.7B	3.79%	5.0	A+
March 31, 2025	$1.7B	3.51%	5.0	A+
December 31, 2024	$1.6B	4.25%	5.0	A+
September 30, 2024	$1.6B	3.72%	5.0	A+
June 30, 2024	$1.6B	3.58%	5.0	A+
March 31, 2024	$1.5B	3.08%	5.0	A+
December 31, 2023	$1.5B	3.35%	5.0	A+
September 30, 2023	$1.5B	3.20%	5.0	A+
June 30, 2023	$1.5B	2.47%	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 of America 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 of America 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 of America's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of America

Website https://www.cuofamerica.com

Address 582 S Ohio St, Salina, KS 67401-3321

Phone 316-265-3272

Fax

President Richard Gilstrap

CEO Frank Shoffner

Full-Time Employees 306

Part-Time Employees 17

Branch Locations 16

ATM Locations 16

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.58%

Return on Assets (ROA)

0.2352%

Return on Equity (ROE)

1.8904%

Non-Performing Loans Ratio (NPL)

0.56%

Total Assets

1,831,066,250

Total Amount of Shares and Deposits

1,508,948,512

Total Shares and Deposits < 1 Year

1,357,318,716

Total Shares and Deposits 1 3 Years

142,064,519

Total Shares and Deposits > 3 Years

9,565,277

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

198,258,206

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

198,258,206

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

1,310,690,306

Total Interest Expense (Sum of items 6 8)

9,780,387

Share Certificates

17,604

Number of Accounts for Share Drafts

57,233

IRA KEOGH Accounts

2,726

Number of Accounts for Regular Shares

111,633

All other shares

5,947

Money Market Shares

25,851

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

4,306,512

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)

159,813,281

Total Liabilities

1,605,623,990

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Credit Union of America earned the Verified Healthy badge

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

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Frequently Asked Questions About Credit Union of America

How many branches does Credit Union of America operate?

Credit Union of America 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 of America?

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

Does Credit Union of America offer online and mobile banking?

Most modern institutions like Credit Union of America 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.cuofamerica.com.