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Decatur Earthmover Credit Union Rates & Review November 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 30, 2026
Decatur Earthmover Credit Union's CDs of Deposit (CDs) - 12 month rates are at 1.21%, CDs of Deposit (CDs) - 18 month rates are at 1.21%, CDs of Deposit (CDs) - 5 Years rates are at 1.21%, CDs of Deposit (CDs) - 2 Years rates are at 1.16%, CDs of Deposit (CDs) - 3 Years rates are at 1.06%. Decatur Earthmover Credit Union's savings rates are at 0.08%. Decatur Earthmover Credit Union's money market rates are at 2.12%. Decatur Earthmover Credit Union's checking rates are as high as 0.05%. Decatur Earthmover Credit Union's Personal Loan Rates are as low as 8.50%. Decatur Earthmover Credit Union's CD rates are 60% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Decatur Earthmover Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.47%. Rates last updated and verified on 10/30/2026.
Decatur Earthmover 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 Decatur Earthmover Credit Union? Share your experience about Decatur Earthmover Credit Union by leaving a review below, or read customer reviews before you decide to use Decatur Earthmover Credit Union.
Decatur Earthmover Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
Decatur Earthmover 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
?
2.47%
ExcellentLower than avg
Decatur Earthmover Credit Union Texas Ratio
Decatur Earthmover Credit Union's Texas Ratio is 2.47%, which is considered excellent and is lower than the national average of 6.13%.
Decatur Earthmover 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.
3.01% to 2.47% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong 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.
Decatur Earthmover Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificates of Deposit (CDs) - 12 month
1.20%
1.21%
12 Months
Min Balance$1,000
DetailsBalance: $1,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 12 month
1.20%
1.21%
12 Months
Min Balance$10,000
DetailsBalance: $10,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 12 month
1.20%
1.21%
12 Months
Min Balance$25,000
DetailsBalance: $25,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 18 month
1.20%
1.21%
18 Months
Min Balance$1,000
DetailsBalance: $1,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 18 month
1.20%
1.21%
18 Months
Min Balance$10,000
DetailsBalance: $10,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 18 month
1.20%
1.21%
18 Months
Min Balance$25,000
DetailsBalance: $25,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 5 Years
1.20%
1.21%
5 Years
Min Balance$25,000
DetailsBalance: $25,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.21% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 2 Years
1.15%
1.16%
2 Years
Min Balance$1,000
DetailsBalance: $1,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.16% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 2 Years
1.15%
1.16%
2 Years
Min Balance$10,000
DetailsBalance: $10,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.16% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 2 Years
1.15%
1.16%
2 Years
Min Balance$25,000
DetailsBalance: $25,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.16% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 5 Years
1.15%
1.16%
5 Years
Min Balance$10,000
DetailsBalance: $10,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.16% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 3 Years
1.05%
1.06%
3 Years
Min Balance$1,000
DetailsBalance: $1,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.06% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 3 Years
1.05%
1.06%
3 Years
Min Balance$10,000
DetailsBalance: $10,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.06% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 3 Years
1.05%
1.06%
3 Years
Min Balance$25,000
DetailsBalance: $25,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.06% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Certificates of Deposit (CDs) - 5 Years
1.00%
1.00%
5 Years
Min Balance$1,000
DetailsBalance: $1,000; Nominal rate & APY
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.10%
0.10%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Vacation Club
0.10%
0.10%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Savings
0.08%
0.08%
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Accounts
2.10%
2.12%
Min Balance$100,000
DetailsBalance: $100,000 and up
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 2.12% → 2.12% ▼ 0.00 pts · high 2.12% / low 1.51%
Oct 26, 20262.12%▲ from 1.51%
Oct 14, 20261.51%▼ from 2.12%
Sep 14, 20262.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Money Market Accounts
1.90%
1.92%
Min Balance$25,000
DetailsBalance: $25,000-$99,999.99
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 1.92% → 1.92% ▼ 0.00 pts · high 1.92% / low 0.25%
Oct 26, 20261.92%▲ from 0.25%
Oct 14, 20260.25%▼ from 1.92%
Sep 14, 20261.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Money Market Accounts
1.50%
1.51%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 1.51% → 1.51% ▼ 0.00 pts · high 1.51% / low 0.20%
Oct 26, 20261.51%▲ from 0.20%
Oct 14, 20260.20%▼ from 1.51%
Sep 14, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Money Market Accounts
1.00%
1.01%
Min Balance$1,000
DetailsBalance: $1,000-$9,999.99
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 1.01% → 1.01% ▼ 0.00 pts · high 1.01% / low 0.15%
Oct 26, 20261.01%▲ from 0.15%
Oct 14, 20260.15%▼ from 1.01%
Sep 14, 20261.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Checking Rates
Product
Rate
APY
View More
Checking
0.05%
0.05%
DetailsFees charged to the account could reduce the amount earned
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 5 Year Term
-
-
5.75%
5 Year
DetailsLoan up to 80% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 7 Year Term
-
-
6.00%
7 Year
DetailsLoan up to 80% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 10 Year Term
-
-
6.15%
10 Year
DetailsLoan up to 80% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.15% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 5 Year Term
-
-
6.25%
5 Year
DetailsLoan up to 100% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 15 Year Term
-
-
6.30%
15 Year
DetailsLoan up to 80% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.30% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 20 Year Term
-
-
6.50%
20 Year
DetailsLoan up to 80% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.00% → 6.50% ▼ 0.50 pts · high 7.00% / low 6.50%
Oct 26, 20266.50%▼ from 7.00%
Oct 19, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 7 Year Term
-
-
6.50%
7 Year
DetailsLoan up to 100% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 10 Year Term
-
-
6.65%
10 Year
DetailsLoan up to 100% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.65% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 15 Year Term
-
-
6.80%
15 Year
DetailsLoan up to 100% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.80% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Loan - 20 Year Term
-
-
7.00%
20 Year
DetailsLoan up to 100% of home's value; rate based on a $100,000 loan; new money only; refinancing an existing home equity loan requires a call for rates
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00%
Oct 26, 20267.00%▼ from 7.50%
Oct 19, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Line of Credit - Monthly Variable
7.25%
-
7.25%
DetailsFor a loan up to 80% of a monthly variable
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 8.50% → 7.25% ▼ 1.25 pts · high 8.50% / low 7.25%
Oct 26, 20267.25%▼ from 8.50%
Oct 19, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Home Equity Line of Credit - Monthly Variable
9.25%
-
9.25%
DetailsFor a loan up to 100% of a monthly variable
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 10.50% → 9.25% ▼ 1.25 pts · high 10.50% / low 9.25%
Oct 26, 20269.25%▼ from 10.50%
Oct 19, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - 2025 and newer
-
-
4.65%
36 Months
DetailsVehicle Year: 2025 and newer
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 4.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2025 and newer
-
-
4.65%
48 Months
DetailsVehicle Year: 2025 and newer
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 4.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2025 and newer
-
-
4.75%
60 Months
DetailsVehicle Year: 2025 and newer
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 4.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2022-2024
-
-
4.90%
36 Months
DetailsVehicle Year: 2022-2024
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 4.90% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2022-2024
-
-
4.95%
48 Months
DetailsVehicle Year: 2022-2024
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 4.95% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2022-2024
-
-
5.00%
60 Months
DetailsVehicle Year: 2022-2024
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2025 and newer
-
-
5.00%
72 Months
DetailsVehicle Year: 2025 and newer
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2021
-
-
5.05%
36 Months
DetailsVehicle Year: 2021
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.05% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2021
-
-
5.15%
48 Months
DetailsVehicle Year: 2021
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2022-2024
-
-
5.20%
72 Months
DetailsVehicle Year: 2022-2024
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.20% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2020
-
-
5.35%
36 Months
DetailsVehicle Year: 2020
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2021
-
-
5.35%
60 Months
DetailsVehicle Year: 2021
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2020
-
-
5.40%
48 Months
DetailsVehicle Year: 2020
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.40% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2020
-
-
5.55%
60 Months
DetailsVehicle Year: 2020
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 5.75% → 5.55% ▼ 0.20 pts · high 5.75% / low 5.55%
Oct 26, 20265.55%▼ from 5.75%
Oct 19, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2021
-
-
5.55%
72 Months
DetailsVehicle Year: 2021
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2019
-
-
5.75%
36 Months
DetailsVehicle Year: 2019
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 5.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2020
-
-
5.90%
72 Months
DetailsVehicle Year: 2020
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.15% → 5.90% ▼ 0.25 pts · high 6.15% / low 5.90%
Oct 26, 20265.90%▼ from 6.15%
Oct 19, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2019
-
-
5.95%
60 Months
DetailsVehicle Year: 2019
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 5.90% → 5.95% ▲ 0.05 pts · high 5.95% / low 5.90%
Oct 26, 20265.95%▲ from 5.90%
Oct 19, 20265.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2025 and newer
-
-
6.00%
78 Months
DetailsVehicle Year: 2025 and newer; Loan minimum $25K
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2019
-
-
6.10%
72 Months
DetailsVehicle Year: 2019
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.40% → 6.10% ▼ 0.30 pts · high 6.40% / low 6.10%
Oct 26, 20266.10%▼ from 6.40%
Oct 19, 20266.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2025 and newer
-
-
6.10%
84 Months
DetailsVehicle Year: 2025 and newer; Loan minimum $30K
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.10% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2018
-
-
6.25%
36 Months
DetailsVehicle Year: 2018
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2022-2024
-
-
6.25%
78 Months
DetailsVehicle Year: 2022-2024; Loan minimum $25K
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2018
-
-
6.35%
48 Months
DetailsVehicle Year: 2018
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 5.85% → 6.35% ▲ 0.50 pts · high 6.35% / low 5.85%
Oct 26, 20266.35%▲ from 5.85%
Oct 19, 20265.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2022-2024
-
-
6.40%
84 Months
DetailsVehicle Year: 2022-2024; Loan minimum $30K
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2018
-
-
6.50%
60 Months
DetailsVehicle Year: 2018
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.30% → 6.50% ▲ 0.20 pts · high 6.50% / low 6.30%
Oct 26, 20266.50%▲ from 6.30%
Oct 19, 20266.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2021
-
-
6.55%
78 Months
DetailsVehicle Year: 2021; Loan minimum $25K
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2018
-
-
6.75%
72 Months
DetailsVehicle Year: 2018
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.65% → 6.75% ▲ 0.10 pts · high 6.75% / low 6.65%
Oct 26, 20266.75%▲ from 6.65%
Oct 19, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2020
-
-
6.75%
78 Months
DetailsVehicle Year: 2020; Loan minimum $25K
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2017 & Older
-
-
7.45%
36 Months
DetailsVehicle Year: 2017 & Older
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 7.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Auto Loan - 2017 & Older
-
-
7.55%
48 Months
DetailsVehicle Year: 2017 & Older
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 7.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
RV/Camper/5th Wheel/Boats Loan
-
8.50%
8 Year
DetailsVehicle year: 2014 & Older
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loan
-
-
8.00%
Variable
DetailsLength of the Loan: Variable; Annual Percentage Rate* (lowest rates available; actual rate may be higher)
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
8.50%
12-24 Months
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 8.50% / low 7.90%
Oct 26, 20268.50%▲ from 7.90%
Oct 19, 20267.90%▼ from 8.50%
Sep 14, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Personal Loan
9.50%
36 Months
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 9.50% → 9.50% ▼ 0.00 pts · high 9.50% / low 8.90%
Oct 26, 20269.50%▲ from 8.90%
Oct 19, 20268.90%▼ from 9.50%
Sep 14, 20269.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Personal Loan
10.50%
48 Months
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 10.50% → 10.50% ▼ 0.00 pts · high 10.50% / low 9.90%
Oct 26, 202610.50%▲ from 9.90%
Oct 19, 20269.90%▼ from 10.50%
Sep 14, 202610.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Personal Loan
11.50%
60 Months
No additional details.
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 11.50% → 11.50% ▼ 0.00 pts · high 11.50% / low 10.90%
Oct 26, 202611.50%▲ from 10.90%
Oct 19, 202610.90%▼ from 11.50%
Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Decatur Earthmover Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
IRAs
0.15%
-
0.15%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.47%
Financial Health History
Decatur Earthmover Credit Union’s Texas Ratio fell from 3.01% in Q3 2023 to 2.47% 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
$310M
2.47%
5.0
A+
March 31, 2026
$314M
1.94%
5.0
A+
December 31, 2025
$302M
1.75%
5.0
A+
September 30, 2025
$298M
1.84%
5.0
A+
June 30, 2025
$302M
1.59%
5.0
A+
March 31, 2025
$307M
2.12%
5.0
A+
December 31, 2024
$294M
2.33%
5.0
A+
September 30, 2024
$293M
2.28%
5.0
A+
June 30, 2024
$303M
2.25%
5.0
A+
March 31, 2024
$301M
2.15%
5.0
A+
December 31, 2023
$293M
3.70%
5.0
A+
September 30, 2023
$294M
3.01%
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 Decatur Earthmover 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 Decatur Earthmover 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 Decatur Earthmover 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)
11,664,196
Total Uninsured Shares and Deposits > $250K (F+J)
11,664,196
Total Insured Shares and Deposits > $250K (item 17 less item K)
260,342,595
Total Interest Expense (Sum of items 6 8)
721,216
Share Certificates
551
Number of Accounts for Share Drafts
11,315
IRA KEOGH Accounts
438
Number of Accounts for Regular Shares
23,565
All other shares
435
Money Market Shares
270
Net Income (unless the amount is already included in Undivided Earnings)
363,380
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)
24,050,619
Total Liabilities
274,969,567
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Decatur Earthmover 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Decatur Earthmover Credit Union
Does Decatur Earthmover Credit Union offer CDs?
Yes. Decatur Earthmover Credit Union current CD rates include its CDs of Deposit (CDs) - 12 month at 1.21% APY, its CDs of Deposit (CDs) - 18 month at 1.21% APY and its CDs of Deposit (CDs) - 5 Years at 1.21% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Decatur Earthmover Credit Union NCUA insured?
Yes. Decatur Earthmover Credit Union 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 Decatur Earthmover Credit Union?
The highest Decatur Earthmover Credit Union CD rate is its CDs of Deposit (CDs) - 12 month at 1.21% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Decatur Earthmover Credit Union offer?
Decatur Earthmover Credit Union CD rates are 1.21% APY for a 12 month CD, 1.21% APY for an 18 month CD, 1.16% APY for a 2 year CD, 1.06% APY for a 3 year CD and 1.21% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Decatur Earthmover Credit Union for its full lineup.
What is the highest savings rate at Decatur Earthmover Credit Union?
The highest Decatur Earthmover Credit Union savings rate is its Savings at 0.08% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Decatur Earthmover Credit Union?
The highest Decatur Earthmover Credit Union money market rate is its Money Market Accounts at 2.12% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Decatur Earthmover Credit Union?
The highest Decatur Earthmover Credit Union checking rate is its Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Decatur Earthmover Credit Union?
The lowest Decatur Earthmover Credit Union auto loan rate is its Auto Loan - 2025 and newer at 4.65% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Decatur Earthmover Credit Union?
The lowest Decatur Earthmover Credit Union personal loan rate is its Personal Loan at 8.50% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Decatur Earthmover Credit Union operate?
Decatur Earthmover 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 Decatur Earthmover Credit Union?
Yes, to access services at Decatur Earthmover 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, Decatur Earthmover 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, Decatur Earthmover Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Decatur Earthmover Credit Union offer online and mobile banking?
Most modern institutions like Decatur Earthmover 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.decu.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 Decatur Earthmover Credit Union rates compare?
Decatur Earthmover Credit Union's CD rates are 60% lower than the MonitorBankRates national average, and it has an A+ health rating. Decatur Earthmover Credit Union's top rates are its CDs of Deposit (CDs) - 12 month at 1.21% APY, its Savings at 0.08% APY, its Money Market Accounts at 2.12% APY, its Checking at 0.05% APY and its Personal Loan at 8.50% APR, verified by MonitorBankRates on October 30, 2026.
Current Decatur Earthmover Credit Union Rates
12-Month CD1.21%
18-Month CD1.21%
24-Month CD1.16%
60-Month CD1.00%
Savings0.08%
MMA2.12%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
