What are the current interest rates at FAMILY ADVANTAGE?

Current rates for FAMILY ADVANTAGE include: 12-Month CD: 0.19%, 18-Month CD: 0.25%, 24-Month CD: 0.55%, Savings: 0.05%, MMA: 0.21%

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FAMILY ADVANTAGE

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FAMILY ADVANTAGE Rates & Review October 2026

Q: How many branches does FAMILY ADVANTAGE operate?

FAMILY ADVANTAGE 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 FAMILY ADVANTAGE?

Yes, to access services at FAMILY ADVANTAGE, 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: Is there a first-time homebuyer program?

Currently, FAMILY ADVANTAGE 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FAMILY ADVANTAGE 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 10, 2026

FAMILY ADVANTAGE's top rates as of October 10, 2026 are 0.70% APY on its IRA - 24 month CD, 0.05% APY on savings, 0.21% APY on money market accounts, personal loans from 8.65% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other FAMILY ADVANTAGE CD rates include 24 Month CD at 0.60%, 24 Month CD at 0.58%, and 24 Month CD at 0.55%. MonitorBankRates evaluates the financial stability of FAMILY ADVANTAGE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.07%. Rates last updated and verified on 10/10/2026.

FAMILY ADVANTAGE 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 FAMILY ADVANTAGE? Share your experience about FAMILY ADVANTAGE by leaving a review below, or read customer reviews before you decide to use FAMILY ADVANTAGE.

Verified Healthy Q2 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

3.07%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FAMILY ADVANTAGE
Family Advantage F.C.U.

100 Stephen P Yokich Pkwy
Spring Hill, TN 37174-3140

http://www.myfafcu.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.

FAMILY ADVANTAGE CD Rates

Product	Rate	APY	Term
IRA - 24 month	0.70%	0.70%	24 Months
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.70% → 0.70% ▼ 0.00 pts · high 0.70% / low 0.70% Oct 1, 20260.70%▼ from 0.70% Sep 27, 20260.70%▼ from 0.70% Sep 22, 20260.70%▼ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
24 Month Share Certificate	0.60%	0.60%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
24 Month Share Certificate	0.58%	0.58%	24 Months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
24 Month Share Certificate	0.55%	0.55%	24 Months
Min Balance $500 Details Balance: $500.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
IRA - 18 month	0.39%	0.39%	18 Months
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.39% → 0.39% ▼ 0.00 pts · high 0.39% / low 0.39% Oct 1, 20260.39%▼ from 0.39% Sep 27, 20260.39%▼ from 0.39% Sep 22, 20260.39%▼ from 0.39% Sep 14, 20260.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
IRA - 12 month	0.33%	0.33%	12 Months
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.33% → 0.33% ▼ 0.00 pts · high 0.33% / low 0.33% Oct 1, 20260.33%▼ from 0.33% Sep 27, 20260.33%▼ from 0.33% Sep 22, 20260.33%▼ from 0.33% Sep 14, 20260.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
18 Month Share Certificate	0.29%	0.29%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
18 Month Share Certificate	0.27%	0.27%	18 Months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
18 Month Share Certificate	0.25%	0.25%	18 Months
Min Balance $500 Details Balance: $500.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
IRA - 6 month	0.24%	0.24%	6 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
12 Month Share Certificate	0.23%	0.23%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.23% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
12 Month Share Certificate	0.21%	0.21%	12 Months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.21% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
12 Month Share Certificate	0.19%	0.19%	12 Months
Min Balance $500 Details Balance: $500.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
6 Month Share Certificate	0.14%	0.14%	6 Months
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
6 Month Share Certificate	0.12%	0.12%	6 Months
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
6 Month Share Certificate	0.10%	0.10%	6 Months
Min Balance $500 Details Balance: $500.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%

FAMILY ADVANTAGE Savings Rates

Product	Rate	APY
Club Account	0.05%	0.051%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
Regular Share Savings	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%

FAMILY ADVANTAGE Money Market Rates

Product	Rate	APY
Money Market	0.20%	0.21%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.21% → 0.21% ▲ 0.00 pts · high 0.21% / low 0.21% Oct 1, 20260.21%▲ from 0.21% Sep 14, 20260.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
Money Market	0.15%	0.15%
Min Balance $7,500 Details Balance: $7,500-$9,999.99 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 0.15% → 0.15% ▼ 0.00 pts · high 0.15% / low 0.15% Oct 1, 20260.15%▼ from 0.15% Sep 27, 20260.15%▼ from 0.15% Sep 22, 20260.15%▼ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%
Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$7,499.99 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 0.10% / low 0.10% Sep 27, 20260.10%▼ from 0.10% Sep 22, 20260.10%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%

FAMILY ADVANTAGE Credit Card Rates

Product	Rate	APR	View More
Platinum Visa	-	9.90%
Details Published APR range: 9.90% - 17.90%. Credit Card rate is based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate. Rates and Terms are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%

FAMILY ADVANTAGE Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.65%
Details Published APR range: 8.65% - 14.65%. Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate. Rates and Terms are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%

FAMILY ADVANTAGE Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Accumulation	1.10%	-	1.11%
Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 1.11% → 1.11% ▲ 0.00 pts · high 1.11% / low 1.11% Oct 1, 20261.11%▲ from 1.11% Sep 27, 20261.11%▼ from 1.11% Sep 22, 20261.11%▼ from 1.11% Sep 14, 20261.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.07%

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

FAMILY ADVANTAGE’s Texas Ratio fell from 14.80% in Q3 2023 to 3.07% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A+. 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)

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	$93M	3.07%	5.0	A+
March 31, 2026	$91M	3.34%	5.0	A+
December 31, 2025	$91M	6.68%	5.0	A
September 30, 2025	$96M	7.18%	5.0	A
June 30, 2025	$99M	7.80%	5.0	A
March 31, 2025	$100M	9.30%	5.0	A
December 31, 2024	$97M	17.89%	4.8	B+
September 30, 2024	$96M	18.68%	4.7	B+
June 30, 2024	$95M	20.20%	4.6	B
March 31, 2024	$96M	17.04%	4.8	B+
December 31, 2023	$86M	17.35%	4.8	B+
September 30, 2023	$83M	14.80%	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 FAMILY ADVANTAGE 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 FAMILY ADVANTAGE 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 FAMILY ADVANTAGE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FAMILY ADVANTAGE

Website http://www.myfafcu.org

Address 100 Stephen P Yokich Pkwy, Spring Hill, TN 37174-3140

Phone 931-486-3125

Fax 931-486-3137

President Mike Herron

CEO John Kenley, IV

Full-Time Employees 23

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

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

3.07%

Return on Assets (ROA)

0.0053%

Return on Equity (ROE)

0.0576%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

93,429,942

Total Amount of Shares and Deposits

85,167,677

Total Shares and Deposits < 1 Year

84,798,974

Total Shares and Deposits 1 3 Years

368,703

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

2,319,831

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

2,319,831

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

82,847,846

Total Interest Expense (Sum of items 6 8)

268,526

Share Certificates

247

Number of Accounts for Share Drafts

4,067

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,457

All other shares

205

Money Market Shares

123

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)

14,024,417

Total Liabilities

84,853,442

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FAMILY ADVANTAGE earned the Verified Healthy 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/family-advantage-rates-review-24603">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

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Frequently Asked Questions About FAMILY ADVANTAGE

How many branches does FAMILY ADVANTAGE operate?

FAMILY ADVANTAGE 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 FAMILY ADVANTAGE?

Yes, to access services at FAMILY ADVANTAGE, 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, FAMILY ADVANTAGE 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, FAMILY ADVANTAGE provides members with tools to manage their accounts and build a solid financial history.

Does FAMILY ADVANTAGE offer online and mobile banking?

Most modern institutions like FAMILY ADVANTAGE 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: http://www.myfafcu.org.