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Eagle Community Credit Union Rates & Review March 2026

Eagle Community Credit Union's 14-month Promotional Term and IRA CDs rates are at 3.70%, 14-month Promotional Term CD rates are at 3.70%, 60 month Early Saver CD rates are at 3.30%, IRA CDs 60 month rates are at 3.30%, Term CD 60 month rates are at 3.30%. Eagle Community Credit Union's savings rates are at 0.10%. Eagle Community Credit Union's money market rates are at 0.45%. Eagle Community Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Eagle Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.74%. Rates were last updated on 03/25/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.74%
Excellent Lower than avg
Eagle Community Credit Union
Corporate
27042 Towne Centre Dr Ste 100
Foothill Ranch, CA 92610 2810
https://www.eaglecu.org
Member NCUA

Eagle Community Credit Union CD Rates

Product Rate APY Term View More
14-month Promotional Term and IRA Certificates 3.64% 3.70% 14 Months
Min Deposit $500
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
14-month Promotional Term Certificate 3.64% 3.70% 14 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
60 month Early Saver Certificate 3.25% 3.30% 60 Months
Min Deposit $500
Min Balance $500
Details Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
IRA Certificates 60 month 3.25% 3.30% 60
Min Deposit $500
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 60 month 3.25% 3.30% 60 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
60 month Term Share† 3.25% 3.30% 60 Months
Min Deposit $1,000
Min Balance $1,000
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
12 month Early Saver Certificate 3.20% 3.25% 12 Months
Min Deposit $500
Min Balance $500
Details Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
IRA Certificates 12 month 3.20% 3.25% 12
Min Deposit $500
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
IRA Certificates 24 month 3.20% 3.25% 24
Min Deposit $500
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 12 month 3.20% 3.25% 12 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 24 month 3.20% 3.25% 24 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
12 month Term Share† 3.20% 3.25% 12 Months
Min Deposit $1,000
Min Balance $1,000
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
48 month Early Saver Certificate 3.15% 3.20% 48 Months
Min Deposit $500
Min Balance $500
Details Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
IRA Certificates 48 month 3.15% 3.20% 48
Min Deposit $500
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 48 month 3.15% 3.20% 48 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
48 month Term Share† 3.15% 3.20% 48 Months
Min Deposit $1,000
Min Balance $1,000
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
36 month Early Saver Certificate 3.11% 3.15% 36 Months
Min Deposit $500
Min Balance $500
Details Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
IRA Certificates 36 month 3.11% 3.15% 36
Min Deposit $500
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 36 month 3.11% 3.15% 36 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
36 month Term Share† 3.11% 3.15% 36 Months
Min Deposit $1,000
Min Balance $1,000
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
6 month Early Saver Certificate 3.06% 3.10% 6 Months
Min Deposit $500
Min Balance $500
Details Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 6 month 3.06% 3.10% 6 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
6 month Term Share† 3.06% 3.10% 6 Months
Min Deposit $1,000
Min Balance $1,000
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
3 month Early Saver Certificate 2.47% 2.50% 3 Months
Min Deposit $500
Min Balance $500
Details Early Saver Certificate applies to Treasure Chest Savings, Power Up Fund, and Next Gen Accounts only
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Term Share Certificate 3 month 2.47% 2.50% 3 Months
Min Deposit $50,000
Min Balance $50,000
Details $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
3 month Term Share† 2.47% 2.50% 3 Months
Min Deposit $1,000
Min Balance $1,000
Details $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Eagle Community Credit Union Savings Rates

Product Rate APY View More
Next Gen Savings 5.00% 5.00%
Min Deposit $5
Min Balance $5
Details Qualifying balance up to $5000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Access Savings 0.10% 0.10%
Min Deposit $25
Min Balance $100
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Holiday Club 0.10% 0.10%
Min Balance $100
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Treasure Chest Savings (Formerly Circus Club) 0.10% 0.10%
Min Deposit $5
Min Balance $5
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Eagle Community Credit Union Money Market Rates

Product Rate APY View More
Premier Business Money Market 2.96% 3.00%
Min Deposit $2,500
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premier Business Money Market 2.47% 2.50%
Min Deposit $2,500
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premier Business Money Market 1.98% 2.00%
Min Deposit $2,500
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premier Business Money Market 1.49% 1.50%
Min Deposit $2,500
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premium Advantage Money Market Account 0.85% 0.85%
Min Deposit $2,500
Min Balance $100,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premium Advantage Money Market Account 0.75% 0.75%
Min Deposit $2,500
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premium Advantage Money Market Account 0.65% 0.65%
Min Deposit $2,500
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premier Business Money Market 0.50% 0.50%
Min Deposit $2,500
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premium Advantage Money Market Account 0.45% 0.50%
Min Deposit $2,500
Min Balance $10,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Premium Advantage Money Market Account 0.45% 0.45%
Min Deposit $2,500
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Eagle Community Credit Union Checking Rates

Product Rate APY View More
Premier Business Checking 1.98% 2.00%
Min Deposit $100
Min Balance $0
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Ultimate Checking 0.03% 0.03%
Min Deposit $25
Min Balance $0
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Next Gen Checking - 0.00%
Min Balance $0
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Eagle Community Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) - - 5.74%
Details As Low As; Intro rate expires: 12 months; Maximum Rate: 18.00%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Home Equity Line of Credit (HELOC) - - 7.00% 30 Years
Details Maximum Rate: 18.00%; LTV: Up to 80%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Eagle Community Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Platinum Credit Card - 12.50%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
MasterCard Rewards Credit Card - 12.99%
Details Balance Transfer Fee: $0; Annual Fee: $0
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
MasterCard Credit Builder Credit Card - 13.90%
Details Regular APR: 13.90%
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Eagle Community Credit Union Personal Loan Rates

Product Rate APR View More
New or Used Personal Watercraft - 9.99%
Details As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
New or Used Personal Watercraft - 10.49%
Details As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Personal Loan - 11.49%
Details Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Personal Loan - 11.74%
Details Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Personal Loan - 11.99%
Details Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Personal Loan - 12.24%
Details Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Personal Line of Credit - 13.24%
Details As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
New or Used Personal Watercraft - 18.24%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
New or Used Personal Watercraft - 18.74%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%
Personal Line of Credit - 23.49%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.74%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Eagle Community 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 Eagle Community 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 Eagle Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eagle Community Credit Union
Address 27042 Towne Centre Dr Ste 100, Foothill Ranch, CA 92610 2810
Phone 800-324-5328
Fax
President Philip Soulanille
CEO Michael Kim
Full-Time Employees 101
Part-Time Employees 5
Branch Locations 6
ATM Locations 6
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
3.74%
Return on Assets (ROA)
0.3740%
Return on Equity (ROE)
3.5504%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
369,715,871
Total Amount of Shares and Deposits
323,219,027
Total Shares and Deposits < 1 Year
294,140,204
Total Shares and Deposits 1 3 Years
27,779,947
Total Shares and Deposits > 3 Years
1,298,876
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,856,807
Total Uninsured Shares and Deposits > $250K (F+J)
32,114,221
Total Insured Shares and Deposits > $250K (item 17 less item K)
291,104,806
Total Interest Expense (Sum of items 6 8)
4,067,419
Share Certificates
2,733
Number of Accounts for Share Drafts
16,243
IRA KEOGH Accounts
893
Number of Accounts for Regular Shares
15,226
Non Member Deposits
4
Money Market Shares
1,038
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
36,321,221
Total Liabilities
331,089,928
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Eagle Community Credit Union

Is Eagle Community Credit Union a safe place to deposit money?

Yes, Eagle Community Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7419116494638%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Eagle Community Credit Union operate?

Eagle Community 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 Eagle Community Credit Union?

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

Does Eagle Community Credit Union offer online and mobile banking?

Most modern institutions like Eagle Community 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.eaglecu.org.

Current Eagle Community Credit Union Rates

  • 12-Month CD3.25%
  • 24-Month CD3.25%
  • 60-Month CD3.30%
  • Savings0.10%
  • MMA0.45%
Retrieved from our database of financial products. Rates subject to change.