What are the current interest rates at Evolve Federal Credit Union?

Current rates for Evolve Federal Credit Union include: 12-Month CD: 3.82%, 24-Month CD: 3.82%, 60-Month CD: 3.82%, MMA: 2.02%

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Evolve Federal Credit Union

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Evolve Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Evolve Federal Credit Union?

Yes, to access services at Evolve Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Evolve Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Evolve Federal Credit Union's top rates as of October 12, 2026 are 4.07% APY on its 1 Year Boost CD, 2.02% APY on money market accounts, 7.23% APY on checking, and personal loans from 11.75% APR, according to rates verified by MonitorBankRates. Other Evolve Federal Credit Union CD rates include 12 Month Boost CD at 4.07%, 24 Month Boost CD at 4.07%, and 1 Year Boost Advantage CD Saver at 3.82%. MonitorBankRates evaluates the financial stability of Evolve Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.25%. Rates last updated and verified on 10/12/2026.

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

Ranked #72 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Evolve Federal Credit Union
Administration Building

8840 Gazelle Dr
El Paso, TX 79925

https://www.evolvefcu.org

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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.

Evolve Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Boost Term Share	4.00%	4.07%	1 year
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 4, 20264.07%▲ from 3.82% Sep 25, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
12 Month Boost Term Share	4.00%	4.07%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo CD Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 4, 20264.07%▲ from 3.82% Sep 25, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
24 Month Boost Term Share	4.00%	4.07%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo CD Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56% Oct 4, 20264.07%▲ from 3.56% Sep 25, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
1 Year Boost Advantage CD Saver	3.75%	3.82%	1 year
Min Deposit $50 Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
2 Year Boost Term Share	3.75%	3.82%	2 years
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 4, 20263.82%▲ from 3.56% Sep 25, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
5 Year Boost Term Share	3.75%	3.82%	5 years
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 4, 20263.82%▲ from 3.56% Sep 25, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
6 Month Boost Term Share	3.75%	3.82%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
60 Month Boost Term Share	3.75%	3.82%	60 months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo CD Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 4, 20263.82%▲ from 3.56% Sep 25, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
4 Year Boost Term Share	3.50%	3.56%	4 years
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 4, 20263.56%▲ from 3.45% Sep 25, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
48 Month Boost Term Share	3.50%	3.56%	48 months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo CD Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 4, 20263.56%▲ from 3.45% Sep 25, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
3 Year Boost Term Share	3.35%	3.40%	3 years
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
36 Month Boost Term Share	3.35%	3.40%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo CD Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
3 Month Boost Term Share	3.00%	3.04%	3 months
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79% Oct 4, 20263.04%▲ from 2.79% Sep 25, 20262.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Evolve Federal Credit Union Money Market Rates

Product	Rate	APY
High-Yield Money Market	2.00%	2.02%
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000.00 and up; New money required on Jumbo Money Market Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Money Market	1.35%	1.36%
Min Deposit $2,500 Min Balance $100,000 Details Balance: over $100,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.36% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Evolve Federal Credit Union Checking Rates

Product	Rate	APY
ePriority Checking	7.00%	7.23%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: $0.01 to $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.23% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
College Checking Account	-	7.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 to $10,000.00; ePriority Account Members; Dividends paid monthly; No monthly fee; No minimum balance required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
ePriority Checking	-	7.00%
Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Online account opening available; $9 monthly fee on Basic account if qualifications not met Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 7.23% → 7.00% ▼ 0.23 pts · high 7.23% / low 7.00% Oct 4, 20267.00%▼ from 7.23% Sep 25, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Evolve Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.75%	Up to 48 months
Details Published APR range: 11.75%-18.00%. Max loan amount is $15,000; rates determined by credit tier Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Evolve Federal Credit Union’s Texas Ratio stayed near 0.28% in Q3 2023 to 0.25% 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	$323M	0.25%	5.0	A+
March 31, 2026	$324M	0.26%	5.0	A+
December 31, 2025	$323M	2.74%	5.0	A+
September 30, 2025	$322M	0.62%	5.0	A+
June 30, 2025	$322M	0.53%	5.0	A+
March 31, 2025	$323M	0.42%	5.0	A+
December 31, 2024	$319M	0.37%	5.0	A+
September 30, 2024	$325M	0.06%	5.0	A+
June 30, 2024	$324M	0.15%	5.0	A+
March 31, 2024	$336M	0.85%	5.0	A+
December 31, 2023	$334M	1.17%	5.0	A+
September 30, 2023	$346M	0.28%	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 Evolve Federal 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 Evolve Federal 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 Evolve Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Evolve Federal Credit Union

Website https://www.evolvefcu.org

Address 8840 Gazelle Dr, El Paso, TX 79925

Phone 915-593-5866

Fax 915-593-1798

President Ginger Raya

CEO William Glover

Full-Time Employees 75

Part-Time Employees 0

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.25%

Return on Assets (ROA)

0.0262%

Return on Equity (ROE)

0.2429%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

323,215,376

Total Amount of Shares and Deposits

283,481,372

Total Shares and Deposits < 1 Year

266,073,117

Total Shares and Deposits 1 3 Years

14,319,400

Total Shares and Deposits > 3 Years

3,088,855

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

1,196,074

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

1,196,074

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

282,285,298

Total Interest Expense (Sum of items 6 8)

1,932,308

Share Certificates

2,007

Number of Accounts for Share Drafts

9,553

IRA KEOGH Accounts

799

Number of Accounts for Regular Shares

14,840

All other shares

540

Non Member Deposits

Money Market Shares

454

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)

9,745,776

Total Liabilities

291,993,421

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Evolve Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/evolve-federal-credit-union-rates-review-1792">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #72 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About Evolve Federal Credit Union

How many branches does Evolve Federal Credit Union operate?

Evolve Federal 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 Evolve Federal Credit Union?

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

Does Evolve Federal Credit Union offer online and mobile banking?

Most modern institutions like Evolve Federal 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.evolvefcu.org.