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Credit Union of America

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Credit Union of America Rates & Review November 2026

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

Current rates for Credit Union of America include: 12-Month CD: 3.25%, 18-Month CD: 2.75%, 24-Month CD: 3.50%, 60-Month CD: 3.50%, Savings: 3.25%

Q: What CD terms does Credit Union of America offer?

Credit Union of America CD rates are 3.25% APY for a 12 month CD, 2.75% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of America for its full lineup.

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.

Content reviewed by

Brian McKay

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

Credit Union of America's CD - 2 Years rates are at 3.50%, CD - 3 Years rates are at 3.50%, CD - 5 Years rates are at 3.50%, CD - 1 Year rates are at 3.25%, CD - 4 Year rates are at 3.25%. Credit Union of America's savings rates are at 3.25%. Credit Union of America's checking rates are as high as 0.07%. Credit Union of America's 10 Year Fixed Rate rates are at 6.50%, 20 Year Fixed Rate rates are at 6.62%, 15 Year Fixed Rate rates are at 6.62%, Flexible Rate Mortgages (FRM) - 30 Year VA Loan rates are at 6.75%, 7/1 FRM (Flexible Rate Mortgage) rates are at 6.38%. Credit Union of America's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. 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 3.98%. Rates last updated and verified on 10/29/2026.

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

3.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Credit Union of America
E 32nd Corporate Office

8200 E 32nd St N
Wichita, KS 67226

https://www.cuofamerica.com

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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.

Credit Union of America CD Rates

Product	Rate	APY	Term
25 Month IRA Certificate Special	4.22%	4.30%	25 months
Min Deposit $500 Details Special Certificates; Limited-time offer; APY valid on 25-month certificates with minimum $500; deposits over $1,000,000 require approval; renews to 24-month certificate at maturity Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Special Certificates - 25-Month Special	4.22%	4.30%	25-Month
Min Deposit $500 Details Limited-time offer; APY valid on 25-month certificates of deposit and IRA certificates as of 9.29.26 with minimum $500; deposits over $1,000,000 require approval; renews to 24-month certificate at maturity Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
2 Year IRA Certificates	3.445%	3.50%	2 Years
Min Deposit $500 Details Dividends paid monthly; $500 minimum to open; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
3 Year IRA Certificates	3.445%	3.50%	3 Years
Min Deposit $500 Details Dividends paid monthly; $500 minimum to open; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
5 Year IRA Certificates	3.445%	3.50%	5 Years
Min Deposit $500 Details Dividends paid monthly; $500 minimum to open; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 2 Years	3.445%	3.50%	2 Years
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 3 Years	3.445%	3.50%	3 Years
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 5 Years	3.445%	3.50%	5 Years
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
1 Year IRA Certificates	3.20%	3.25%	1 Years
Min Deposit $500 Details Dividends paid monthly; $500 minimum to open; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
1-Year Add-on	3.20%	3.25%	1 Year
Min Deposit $100 Details Add-On & Bump-Up Certificates; Nominal Rate/APY 3.20% / 3.25%; Minimum to add on $10 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
4 Year IRA Certificates	3.20%	3.25%	4 Years
Min Deposit $500 Details Dividends paid monthly; $500 minimum to open; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
IRA 1 Year Add-on Certificate	3.20%	3.25%	1 Year
Min Deposit $100 Details Add-On/Bump-Up IRA Certificates; Dividends paid monthly; $10 minimum to add-on; IRA products can only be opened in branch; Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 1 Year	3.20%	3.25%	1 Year
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 4 Year	3.20%	3.25%	4 Year
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 18 month	2.72%	2.75%	18 Months
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 6 month	1.54%	1.55%	6 Months
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Certificate - 3 month	1.39%	1.40%	3 Months
Min Deposit $500 Details Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Business CD Rates

Product	Rate	APY	Term
Business Special Certificate - 25-Month Special	4.22%	4.30%	25 months
Min Deposit $500 Details In-Branch Only; Renews to 24-month certificate at maturity; APY valid on 25-month certificates as of 9.29.26 with minimum $500; Deposits over $1,000,000 require approval; Early withdrawal penalties may apply; Limited-time offer Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 2 Years	3.445%	3.50%	2 Years
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 3 Years	3.445%	3.50%	3 Years
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 5 Years	3.445%	3.50%	5 Years
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 1 Year	3.20%	3.25%	1 Year
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 4 Years	3.20%	3.25%	4 Years
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Bump-Up Certificate - 30-Month Bump	2.72%	2.75%	30 months
Min Deposit $2,500 Details Eligible for one rate bump to the 24-month rate during the term; Dividends paid monthly; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 18 month	2.72%	2.75%	18 Months
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 6 month	1.54%	1.55%	6 Months
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Share Certificate - 3 month	1.39%	1.40%	3 Months
Min Deposit $500 Details Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

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; Digital-only account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible IRA Savings & CESA	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000.00 or more; Includes Traditional, Roth, & SEP IRAs and CESAs; Dividends paid monthly; Effective 5.5.2026; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible IRA Savings & CESA	0.35%	0.35%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99; Includes Traditional, Roth, & SEP IRAs and CESAs; Dividends paid monthly; Effective 5.5.2026; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible IRA Savings & CESA	0.20%	0.20%
Min Balance $100 Details Balance: $100.00 to $4,999.99; Includes Traditional, Roth, & SEP IRAs and CESAs; Dividends paid monthly; Effective 5.5.2026; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
High-Yield Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.01 or more; Digital-only account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Account	0.10%	0.10%
Min Deposit $1 Min Balance $2,500 Details Balance: $2,500.00 or more; Regular Shares; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Account	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 - $2,499.99; Regular Shares; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible IRA Savings & CESA	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 to $99.99; Includes Traditional, Roth, & SEP IRAs and CESAs; Dividends paid monthly; Effective 5.5.2026; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Share Account	0.00%	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $0.01 - $99.99; Regular Shares; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Business Savings Rates

Product	Rate	APY
Business Simple Shares	0.10%	0.10%
Min Deposit $1 Min Balance $2,500 Details Balance: $2,500.00 or more; In-Branch Only; Average daily balance of $100 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Special Purpose Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Details Balance: $100.00 or more; Business products can only be opened in branch; Average daily balance of $100 must be maintained to earn dividends; Dividends paid monthly; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Shares	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 - $2,499.99; In-Branch Only; Average daily balance of $100 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Shares	0.00%	0.00%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $99.99; In-Branch Only; Average daily balance of $100 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Special Purpose Savings	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $99.99; Business products can only be opened in branch; Average daily balance of $100 must be maintained to earn dividends; Dividends paid monthly; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Business Checking Rates

Product	Rate	APY
Business Simple Interest Checking	0.07%	0.07%
Min Deposit $100 Min Balance $1,500 Details Balance: $1,500.00 or more; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Simple Interest Checking	0.00%	0.00%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - $1,499.00; In-Branch Only Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate	6.50%	-	6.786%	10 Year
Details Down Payment: 20%; Payment: $2,270.96; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/29/2026 Rate History 5 changes since Sep 18, 2026 · 6.79% → 6.79% ▼ 0.00 pts · high 7.29% / low 6.79% Oct 26, 20266.79%▼ from 6.91% Oct 19, 20266.91%▼ from 7.29% Oct 2, 20267.29%▲ from 7.17% Sep 29, 20267.17%▲ from 6.91% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
20 Year Fixed Rate	6.625%	-	6.789%	20 Year
Details Down Payment: 20%; Payment: $1,505.90; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/29/2026 Rate History 5 changes since Sep 18, 2026 · 7.17% → 6.79% ▼ 0.38 pts · high 7.55% / low 6.79% Oct 26, 20266.79%▼ from 7.04% Oct 22, 20267.04%▼ from 7.17% Oct 19, 20267.17%▼ from 7.55% Oct 2, 20267.55%▲ from 7.42% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
15 Year Fixed Rate	6.625%	-	6.83%	15 Year
Details Down Payment: 20%; Payment: $1,755.99; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/29/2026 Rate History 5 changes since Sep 18, 2026 · 6.83% → 6.83% ▼ 0.00 pts · high 7.21% / low 6.83% Oct 29, 20266.83%▼ from 6.96% Oct 22, 20266.96%▼ from 7.08% Oct 19, 20267.08%▼ from 7.21% Oct 2, 20267.21%▲ from 7.08% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Flexible Rate Mortgages (FRM) - 30 Year VA Loan	6.75%	-	6.866%	30 years
Details Down Payment: 0.00%; Payment: $1,621.50; Loan Amount: $250,000.00; LTV: 100.00% Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 6.49% → 6.87% ▲ 0.38 pts · high 7.12% / low 6.49% Oct 26, 20266.87%▼ from 6.99% Oct 19, 20266.99%▼ from 7.12% Sep 29, 20267.12%▲ from 6.87% Sep 21, 20266.87%▲ from 6.74% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
7/1 FRM (Flexible Rate Mortgage)	6.375%	-	6.936%
Details Length of Term: 7/1 FRM; Down Payment: 20%; Payment: $1,247.74; Loan Amount: $200,000.00; LTV: 80%; Based on a FICO score of 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
5/1 FRM (Flexible Rate Mortgage)	6.125%	-	6.938%
Details Length of Term: 5/1 FRM; Down Payment: 20%; Payment: $1,215.22; Loan Amount: $200,000.00; LTV: 80%; Based on a FICO score of 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30 Year Fixed Rate	7.125%	-	7.256%	30 Year
Details Down Payment: 20%; Payment: $1,347.44; Loan Amount: $200,000.00; LTV: 80% Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 7.13% → 7.26% ▲ 0.13 pts · high 7.64% / low 7.13% Oct 22, 20267.26%▼ from 7.38% Oct 19, 20267.38%▼ from 7.64% Oct 2, 20267.64%▲ from 7.38% Sep 29, 20267.38%▲ from 7.13% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30 Year FHA Loan	6.75%	-	7.593%	30 years
Details Down Payment: 3.50%; Payment: $1,564.74; Loan Amount: $241,250.00; LTV: 96.50% Last Updated 10/29/2026 Rate History 1 change since Oct 22, 2026 · 7.72% → 7.59% ▼ 0.13 pts · high 7.72% / low 7.59% Oct 26, 20267.59%▼ from 7.72% Oct 22, 20267.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
30 Year Fixed Rate No PMI (Zero Down)	7.625%	-	7.791%	30 Year
Details Down Payment: 0%; Payment: $1,415.59; Loan Amount: $200,000.00; LTV: 100% Last Updated 10/29/2026 Rate History 4 changes since Sep 18, 2026 · 7.67% → 7.79% ▲ 0.13 pts · high 8.17% / low 7.67% Oct 22, 20267.79%▼ from 7.92% Oct 19, 20267.92%▼ from 8.17% Oct 2, 20268.17%▲ from 7.92% Sep 29, 20267.92%▲ from 7.67% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Build Mortgage - 5 Year Lot Loan Fixed Rate	8.00%	-	9.168%
Details Down Payment: 30%; Payment: $1,419.35; Loan Amount: $70,000.00; LTV: 70% Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.17% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
New Build Mortgage - 10 Year Lot Loan Fixed Rate	9.00%	-	9.646%
Details Down Payment: 30%; Payment: $886.73; Loan Amount: $70,000.00; LTV: 70% Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

Credit Union of America Other Rates

Product	Rate	Points	APY/APR
Business Liquidity Plus	0.05%	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 to $4,999.99; Business products can only be opened in branch; Average daily balance of $2,500 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Liquidity Plus	0.10%	-	0.10%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000.00 to $14,999.99; Business products can only be opened in branch; Average daily balance of $2,500 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Liquidity Plus	0.15%	-	0.15%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000.00 to $24,999.99; Business products can only be opened in branch; Average daily balance of $2,500 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Business Liquidity Plus	0.25%	-	0.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 or more; Business products can only be opened in branch; Average daily balance of $2,500 must be maintained to earn dividends; Dividends paid monthly; Rates Effective 5.5.2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%
Save to Win Add-on	3.20%	-	3.25%
Min Deposit $25 Details Add-On & Bump-Up Certificates; Nominal Rate/APY 3.20% / 3.25%; Minimum amount to add on $10; $25 penalty for first early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.98%

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 3.20% in Q3 2023 to 3.98% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	3.98%	5.0	A+
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+

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 8200 E 32nd St N, Wichita, KS 67226

Phone 316-265-3272

Fax

President Richard Gilstrap

CEO Frank Shoffner

Full-Time Employees 311

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

3.98%

Return on Assets (ROA)

0.6123%

Return on Equity (ROE)

4.8252%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

1,850,493,708

Total Amount of Shares and Deposits

1,525,046,747

Total Shares and Deposits < 1 Year

1,366,025,531

Total Shares and Deposits 1 3 Years

150,241,282

Total Shares and Deposits > 3 Years

8,779,933

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

207,523,705

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

207,523,705

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

1,317,523,042

Total Interest Expense (Sum of items 6 8)

19,815,340

Share Certificates

17,384

Number of Accounts for Share Drafts

56,355

IRA KEOGH Accounts

4,252

Number of Accounts for Regular Shares

112,496

All other shares

6,005

Money Market Shares

26,220

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

11,331,340

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)

162,039,326

Total Liabilities

1,617,991,327

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Credit Union of America earned the Verified Healthy badge

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

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

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Frequently Asked Questions About Credit Union of America

Does Credit Union of America offer CDs?

Yes. Credit Union of America current CD rates include its CD - 2 Years at 3.50% APY, its CD - 3 Years at 3.50% APY and its CD - 5 Years at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Credit Union of America NCUA insured?

Yes. Credit Union of America is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Credit Union of America?

The highest Credit Union of America CD rate is its 25 Month IRA CD Special at 4.30% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Credit Union of America offer?

Credit Union of America CD rates are 3.25% APY for a 12 month CD, 2.75% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of America for its full lineup.

What is the highest savings rate at Credit Union of America?

The highest Credit Union of America savings rate is its High-Yield Savings Account at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Credit Union of America?

The highest Credit Union of America checking rate is its Business Simple Interest Checking at 0.07% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Credit Union of America 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.125%, verified by MonitorBankRates as of October 29, 2026. Credit Union of America mortgage rates are 7.125% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.625% for a 15 year mortgage, 6.50% for a 10 year mortgage and 8.00% for a 5 year mortgage.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Credit Union of America rates compare?

Credit Union of America's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. Credit Union of America's top rates are its 25 Month IRA CD Special at 4.30% APY, its High-Yield Savings Account at 3.25% APY, its Business Simple Interest Checking at 0.07% APY and its 5/1 FRM (Flexible Rate Mortgage) at 6.125%, verified by MonitorBankRates on October 29, 2026.

Current Credit Union of America Rates

12-Month CD3.25%
18-Month CD2.75%
24-Month CD3.50%
60-Month CD3.50%
Savings3.25%

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

Compare to Other Credit Unions

Credit Union of America Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union of America Texas Ratio

Credit Union of America Health Trend

Credit Union of America CD Rates

Credit Union of America Business CD Rates

Credit Union of America Savings Rates

Credit Union of America Business Savings Rates

Credit Union of America Business Checking Rates

Credit Union of America Mortgage Rates

Credit Union of America Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Union of America earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union of America

Does Credit Union of America offer CDs?

Are CDs from Credit Union of America NCUA insured?

What is the highest CD rate at Credit Union of America?

What CD terms does Credit Union of America offer?

What is the highest savings rate at Credit Union of America?

What is the highest checking rate at Credit Union of America?

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

How many branches does Credit Union of America operate?

Is a member application needed to join Credit Union of America?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union of America offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Credit Union of America rates compare?

Current Credit Union of America Rates

Compare to Other Credit Unions