|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Family Savings Credit Union Rates & Review September 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: September 22, 2026
Family Savings Credit Union's 24 Month CD rates are at 4.20%, 36 Month CD rates are at 4.20%, 48 Month CD rates are at 4.20%, 60 Month CD rates are at 4.20%, 12 Month CD rates are at 4.10%. Family Savings Credit Union's money market rates are at 1.50%. Family Savings Credit Union's First Mortgage Fixed Real Estate Loans rates are at 6.70%, First Mortgage Fixed Real Estate Loans rates are at 6.85%, First Mortgage Fixed Real Estate Loans rates are at 7.00%. Family Savings Credit Union's Personal Loan Rates are as low as 8.99%. MonitorBankRates evaluates the financial stability of Family Savings Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.52%. Rates last updated and verified on 09/22/2026. Family Savings 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 Family Savings Credit Union? Share your experience about Family Savings Credit Union by leaving a review below, or read customer reviews before you decide to use Family Savings Credit Union. Family Savings Credit Union
Administrative Office 205 Rescia Ave
https://www.familysavingscu.com Rainbow City, AL 35906-5932 
Family Savings Credit Union CD Rates
Family Savings Credit Union Savings Rates
Family Savings Credit Union Money Market Rates
Family Savings Credit Union Checking Rates
Family Savings Credit Union Mortgage Rates
Family Savings Credit Union Home Equity & HELOC
Family Savings Credit Union Personal Loan Rates
Family Savings Credit Union Other Rates
Financial Health HistoryFamily Savings Credit Union’s Texas Ratio rose from 5.74% in Q2 2023 to 9.52% in Q1 2026, so its financial health has weakened 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)
Powered by
MonitorBankRates
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 Family Savings 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 Family Savings 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 Family Savings Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Family Savings Credit Union
Website
https://www.familysavingscu.com
Address
205 Rescia Ave,
Rainbow City, AL 35906-5932
Phone
256-547-8190
Fax
256-442-8002
President
L Williamson
CEO
Danny Varnon
Full-Time Employees
306
Part-Time Employees
15
Branch Locations
18
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.52%
Return on Assets (ROA)
0.1627%
Return on Equity (ROE)
1.8675%
Non-Performing Loans Ratio (NPL)
1.09%
Total Assets
1,174,312,661
Total Amount of Shares and Deposits
998,813,122
Total Shares and Deposits < 1 Year
960,603,096
Total Shares and Deposits 1 3 Years
31,224,816
Total Shares and Deposits > 3 Years
6,985,211
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
69,687,170
Total Uninsured Shares and Deposits > $250K (F+J)
96,166,253
Total Insured Shares and Deposits > $250K (item 17 less item K)
902,646,869
Total Interest Expense (Sum of items 6 8)
5,643,971
Share Certificates
8,768
Number of Accounts for Share Drafts
53,652
IRA KEOGH Accounts
2,117
Number of Accounts for Regular Shares
85,975
Non Member Deposits
2
Money Market Shares
887
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)
119,980,288
Total Liabilities
1,072,153,411
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Family Savings Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Family Savings Credit Union
Frequently Asked Questions About Family Savings Credit UnionHow many branches does Family Savings Credit Union operate?Family Savings 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 Family Savings Credit Union?Yes, to access services at Family Savings 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, Family Savings 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, Family Savings Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Family Savings Credit Union offer online and mobile banking?Most modern institutions like Family Savings 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.familysavingscu.com. Current Family Savings Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Community South Credit Union
Southern Baptist Church of New York Federal Credit Union
Mt Jezreel Federal Credit Union
Ukrainian Selfreliance of Western PA Federal Credit Union
Baylands Family Credit Union
Achieva Credit Union
Butler County Teachers Federal Credit Union
Jeep Country Federal Credit Union
Campus Credit Union
BMI Federal Credit Union
Trinity Baptist Church Federal Credit Union
VICTORIA TEACHERS
Henrico Federal Credit Union
Crayola LLC Employees Federal Credit Union
The Peoples Federal Credit Union
St Pats Employees Federal Credit Union
Minnesota Power Employees Credit Union
CS Credit Union
City Public Service IBEW Federal Credit Union
Air Force Federal Credit Union
Longshore Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
