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 Eaton Family Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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
Eaton Family Credit Union's 18 Month CD of Deposit rates are at 3.55%, 12 Month CD of Deposit rates are at 3.49%, 60 Month CD of Deposit rates are at 3.29%, 48 Month CD of Deposit rates are at 3.18%, 36 Month CD of Deposit rates are at 3.08%. Eaton Family Credit Union's money market rates are at 1.66%. Eaton Family Credit Union's Personal Loan Rates are as low as 16.50%. Eaton Family Credit Union's Credit Card Rates are at 9.90%. Eaton Family Credit Union's top CD rate of 3.55% APY on an 18 month CD is 22% higher than the MonitorBankRates national average for that term, and it has a B+ health rating. MonitorBankRates evaluates the financial stability of Eaton Family Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.40%. Rates last updated and verified on 10/30/2026. Eaton Family 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 Eaton Family Credit Union? Share your experience about Eaton Family Credit Union by leaving a review below, or read customer reviews before you decide to use Eaton Family Credit Union. Eaton Family Credit Union
Eaton Family Credit Union 333 Babbitt Rd
https://www.eatonfamilycu.com Euclid, OH 44123-1647  Customer Reviews
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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. Eaton Family Credit Union CD Rates
Eaton Family Credit Union Savings Rates
Eaton Family Credit Union Money Market Rates
Eaton Family Credit Union Home Equity & HELOC
Eaton Family Credit Union Auto Loan Rates
Eaton Family Credit Union RV, Boat and Powersport Loan Rates
Eaton Family Credit Union Student Loan Rates
Eaton Family Credit Union Credit Card Rates
Eaton Family Credit Union Personal Loan Rates
Eaton Family Credit Union Other Rates
Financial Health HistoryEaton Family Credit Union’s Texas Ratio rose from 10.14% in Q3 2023 to 18.40% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Eaton Family 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 Eaton Family 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 Eaton Family Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Eaton Family Credit Union
Website
https://www.eatonfamilycu.com
Address
333 Babbitt Rd,
Euclid, OH 44123-1647
Phone
216-920-2000
Fax
216-920-2030
President
Gina Jackson
CEO
Michael Losneck
Full-Time Employees
20
Part-Time Employees
2
Branch Locations
6
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
B+ (88/100)
Texas Ratio
18.40%
Return on Assets (ROA)
0.0227%
Return on Equity (ROE)
0.2143%
Non-Performing Loans Ratio (NPL)
3.04%
Total Assets
77,576,199
Total Amount of Shares and Deposits
70,281,691
Total Shares and Deposits < 1 Year
63,785,391
Total Shares and Deposits 1 3 Years
4,678,963
Total Shares and Deposits > 3 Years
1,817,337
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,126,392
Total Uninsured Shares and Deposits > $250K (F+J)
3,126,392
Total Insured Shares and Deposits > $250K (item 17 less item K)
67,155,299
Total Interest Expense (Sum of items 6 8)
511,877
Share Certificates
486
Number of Accounts for Share Drafts
3,825
IRA KEOGH Accounts
187
Number of Accounts for Regular Shares
12,380
Money Market Shares
241
Net Income (unless the amount is already included in Undivided Earnings)
17,645
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)
1,537,457
Total Liabilities
70,324,035
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Eaton Family Credit UnionDoes Eaton Family Credit Union offer CDs?Yes. Eaton Family Credit Union current CD rates include its 18 Month CD of Deposit at 3.55% APY, its 12 Month CD of Deposit at 3.49% APY and its 60 Month CD of Deposit at 3.29% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Eaton Family Credit Union NCUA insured?Yes. Eaton Family 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 Eaton Family Credit Union?The highest Eaton Family Credit Union CD rate is its 18 Month CD of Deposit at 3.55% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Eaton Family Credit Union offer?Eaton Family Credit Union CD rates are 3.49% APY for a 12 month CD, 3.55% APY for an 18 month CD, 3.03% APY for a 2 year CD, 3.08% APY for a 3 year CD, 3.18% APY for a 4 year CD and 3.29% 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 Eaton Family Credit Union for its full lineup. What is the highest money market rate at Eaton Family Credit Union?The highest Eaton Family Credit Union money market rate is its Money Market Account at 1.66% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Eaton Family Credit Union?The lowest Eaton Family Credit Union auto loan rate is its New Vehicle & Motorcycle Loan at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. Eaton Family Credit Union auto loan rates are 7.74% APR for a 60 month auto loan, 8.24% APR for an 84 month auto loan and 9.24% APR for a 96 month auto loan. What is the lowest personal loan rate at Eaton Family Credit Union?The lowest Eaton Family Credit Union personal loan rate is its Signature Loan at 16.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Eaton Family Credit Union?The lowest Eaton Family Credit Union credit card APR is its VISA Secured Credit Card at 9.90% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Eaton Family Credit Union operate?Eaton Family 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 Eaton Family Credit Union?Yes, to access services at Eaton Family 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, Eaton Family 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, Eaton Family Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Eaton Family Credit Union offer online and mobile banking?Most modern institutions like Eaton Family 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.eatonfamilycu.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 Eaton Family Credit Union rates compare?Eaton Family Credit Union's top CD rate of 3.55% APY on an 18 month CD is 22% higher than the MonitorBankRates national average for that term, and it has a B+ health rating. Eaton Family Credit Union's top rates are its 18 Month CD of Deposit at 3.55% APY, its Money Market Account at 1.66% APY, its Signature Loan at 16.50% APR and its VISA Secured Credit Card at 9.90% APR, verified by MonitorBankRates on October 30, 2026. Current Eaton Family Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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