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

Current rates for Fibre Federal Credit Union include: 12-Month CD: 3.68%, 18-Month CD: 3.55%, 24-Month CD: 3.50%, 60-Month CD: 3.62%, Savings: 1.25%, MMA: 1.25%

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Fibre Federal Credit Union

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Fibre Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Fibre 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, Fibre 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

Fibre Federal Credit Union's top rates as of October 12, 2026 are 3.93% APY on its 12 month Jumbo CD, 1.25% APY on savings, 1.25% APY on money market accounts, 4.25% APY on checking, rv, boat and powersport loans from 8.24% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Fibre Federal Credit Union CD rates include 60 month Jumbo CDs at 3.93%, 60 month Jumbo CD at 3.87%, and 48 month Jumbo CD at 3.85%. MonitorBankRates evaluates the financial stability of Fibre Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.66%. Rates last updated and verified on 10/12/2026.

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

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

4.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fibre Federal Credit Union
Operations Center

796 Commerce Ave
Longview, WA 98632-2459

https://www.fibrecu.com

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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.

Fibre Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month Jumbo Certificate	3.86%	3.93%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.93% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
60 month Jumbo Share Certificates	-	3.93%	60 months
Min Deposit $100,000 Details Up to 3.93% APY; fixed terms ranging from 6-60 months; monthly compounding dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.93% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
60 month Jumbo Certificate	3.80%	3.87%	60 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.93% → 3.87% ▼ 0.06 pts · high 3.93% / low 3.87% Oct 12, 20263.87%▼ from 3.93% Oct 8, 20263.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
48 month Jumbo Certificate	3.78%	3.85%	48 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
18 month Jumbo Certificate	3.73%	3.80%	18 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
36 month Jumbo Certificate	3.73%	3.80%	36 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
24 month Jumbo Certificate	3.68%	3.75%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
12 month Certificate	3.61%	3.68%	12 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
60 Month IRA Certificates	-	3.68%	60 months
Min Deposit $500 Details Up to 3.68% APY; tax-deferred growth; fixed terms ranging from 6-60 months Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
60 Month Share Certificates	-	3.68%	60 months
Min Deposit $500 Details Up to 3.68% APY; fixed terms ranging from 6-60 months; monthly compounding dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
6 month Jumbo Certificate	3.58%	3.64%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details Jumbo; Minimum to earn APY: $100,000; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.64% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
60 month Certificate	3.56%	3.62%	60 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 3.68% → 3.62% ▼ 0.06 pts · high 3.68% / low 3.62% Oct 12, 20263.62%▼ from 3.68% Oct 8, 20263.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
48 month Certificate	3.54%	3.60%	48 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
18 month Certificate	3.49%	3.55%	18 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
30 Month Bump Up Certificates	3.49%	3.55%	30 months
Min Deposit $500 Min Balance $500 Details Bump Up Certificate; Compounded monthly, daily balance method Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
30 Month Bump Up Certificates	-	3.55%	30 months
Min Deposit $500 Details Up to 3.55% APY; one-time adjustable rate Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
36 month Certificate	3.49%	3.55%	36 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
24 month Certificate	3.44%	3.50%	24 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
6 month Certificate	3.33%	3.39%	6 Months
Min Deposit $500 Min Balance $500 Details Minimum to earn APY: $500; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.39% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	1.24%	1.25%
Min Deposit $5 Min Balance $5 Details Balance: up to $10,000.00; For members 18 or younger; Tier 1; Minimum monthly balance $5; Balance method: Daily; Compounded/Credited Daily Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Traditional IRA Savings/Roth IRA Savings	0.49%	0.50%
Min Deposit $5 Min Balance $50 Details Minimum monthly balance $5; Balance method: Daily; Compounded/Credited Monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Personal Savings	0.25%	0.25%
Min Deposit $5 Min Balance $50 Details Minimum monthly balance: $5; Balance method: Daily; Compounded/Credited: Monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Youth Savings	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details Balance: $10,000.01 or greater; For members 18 or younger; Tier 2; Minimum monthly balance $5; Balance method: Daily; Compounded/Credited Daily Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Savings	0.39%	0.40%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500+; Daily balance method; Compounded monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Business Money Market Savings	0.25%	0.25%
Min Deposit $1,500 Min Balance $0 Details Balance: $0-$1,499.99; Daily balance method; Compounded monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.24%	1.25%
Min Deposit $1,500 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	1.14%	1.15%
Min Deposit $1,500 Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	0.89%	0.90%
Min Deposit $1,500 Min Balance $75,000 Details Balance: $75,000-$99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	0.84%	0.85%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000-$74,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	0.74%	0.75%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	0.49%	0.50%
Min Deposit $1,500 Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	0.39%	0.40%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500-$4,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	0.25%	0.25%
Min Deposit $1,500 Min Balance $0 Details Balance: $0-$1,499.99; Minimum Monthly Balance: $.01 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Savings	0.39%	0.40%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500+; Daily balance method; Compounded monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Business Money Market Savings	0.25%	0.25%
Min Deposit $1,500 Min Balance $0 Details Balance: $0-$1,499.99; Daily balance method; Compounded monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Checking Rates

Product	Rate	APY
Choice Checking	4.16%	4.25%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: up to $20,000.00; Requirements Met; Tier 1 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Choice Checking (Requirements Not Met)	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Applies to entire account balance when minimum service requirements are not met; Minimum to earn APY: $.01; Balance method: Daily; Compounded/Credited: Daily Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Money Market Checking	0.39%	0.40%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500+; Minimum monthly balance $1,500; Balance method: Daily; Compounded monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Business Money Market Checking	0.25%	0.25%
Min Deposit $1,500 Min Balance $0 Details Balance: $0-$1,499.99; Minimum monthly balance $0.01; Balance method: Daily; Compounded monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Business Plus Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Minimum monthly balance: $.01; Balance method: Min Daily Balance; Compounded/Credited monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Lines of Credit	-	-	7.00%	20 Years
Details Maximum Financed: 100% of purchase price or appraised value; APR is 2.0% higher for loan-to-value over 80%; Subject to change every 3 months with a floor of 3.25% APR; maximum APR 18% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 25, 20267.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Fixed Rate Home Equity Limited Draw Line of Credit	-	-	7.25%
Details Published APR range: 7.250% - 9.375%. Maximum term depends on the term; Up to 100% of purchase price or appraised value; Annual percentage rate is 2.0% higher for loan-to-value over 80% Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50% Oct 8, 20267.25%▲ from 6.50% Sep 25, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.24%
Details As Low As; Loan payment example: $30,000 auto loan at 5.24% APR for a 48 month term; terms up to 84 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2021-2026)	-	-	5.24%	48 Months
Details Financing: 100% MSRP or High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2016-2020) - 48 Months	-	-	5.49%	48 Months
Details Financing: 100% High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2021-2026)	-	-	5.49%	60 Months
Details Financing: 100% MSRP or High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2016-2020) - 60 Months	-	-	5.74%	60 Months
Details Financing: 100% High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2021-2026)	-	-	5.74%	72 Months
Details Financing: 100% MSRP or High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2016-2020) - 72 Months	-	-	5.99%	72 Months
Details Financing: 100% High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2021-2026)	-	-	5.99%	84 Months
Details Financing: 100% MSRP or High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2016-2020) - 84 Months	-	-	6.24%	84 Months
Details Financing: 100% High KBB Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2015 or older)	-	-	7.49%	48 months
Details Financing: 100% High KBB; Maximum term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Autos (2015 or older)	-	-	7.74%	60 months
Details Financing: 100% High KBB; Maximum term Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs (2025-2026) Loan	-	7.99%	84 Months
Details Maximum Financed: 100% MSRP; Maximum term dependent on purchase price: New and Used RV 10 years old or newer, over $25,000 - up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (10 years old or newer) Loan	-	7.99%	84 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New & Used Boats (10 years old or newer) Loan	-	8.24%	84 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Over $25,000 - Up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New Adventure: Motorcycles, Personal Watercraft (2025-2026) Loan	-	8.24%	48-84 Months
Details Maximum Financed: 100% MSRP; Maximum term dependent on purchase price: under $10,000 - up to 60 months; over $10,000 - up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	-	8.24%	10 Years
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $25,000 - Up to 60 months; Over $25,000 - Up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New RVs (2025-2026) Loan	-	8.74%	120 Months
Details Maximum Financed: 100% MSRP; Maximum term dependent on purchase price: New and Used RV 10 years old or newer, over $25,000 - up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	-	8.74%	84 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $25,000 - Up to 60 months; Over $25,000 - Up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (10 years old or newer) Loan	-	8.74%	120 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New & Used Boats (10 years old or newer) Loan	-	8.99%	120 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Over $25,000 - Up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New RVs (2025-2026) Loan	-	8.99%	144 Months
Details Maximum Financed: 100% MSRP; Maximum term dependent on purchase price: New and Used RV 10 years old or newer, over $25,000 - up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (10 years old or newer) Loan	-	8.99%	144 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New & Used Boats (10 years old or newer) Loan	-	9.24%	144 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Over $25,000 - Up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New RVs (2025-2026) Loan	-	9.24%	180 Months
Details Maximum Financed: 100% MSRP; Maximum term dependent on purchase price: New and Used RV 10 years old or newer, over $25,000 - up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (10 years old or newer) Loan	-	9.24%	180 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
New & Used Boats (10 years old or newer) Loan	-	9.49%	180 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Over $25,000 - Up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Adventure: Motorcycles, Personal Watercraft (Over 10 years old) Loan	-	9.74%	48 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $20,000 - Up to 48 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Boats (Over 10 years old) Loan	-	9.99%	60 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Boats over 10 yrs old, Under $10,000 - Up to 60 months, Over $25,000 - Up to 144 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (Over 10 years old) Loan	-	9.99%	60 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $10,000 - Up to 60 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Boats (Over 10 years old) Loan	-	10.49%	84 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Boats over 10 yrs old, Under $10,000 - Up to 60 months, Over $25,000 - Up to 144 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (Over 10 years old) Loan	-	10.49%	84 Months
Details Maximum Financed: 100% High NADA Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Boats (Over 10 years old) Loan	-	10.99%	144 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Boats over 10 yrs old, Under $10,000 - Up to 60 months, Over $25,000 - Up to 144 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used RVs (Over 10 years old) Loan	-	10.99%	144 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Over $25,000 - Up to 144 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.90%
Details Maximum financed: $30,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Visa Classic	-	10.50%
Details Maximum financed: $20,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Fibre Federal Credit Union Personal Loan Rates

Product	APR	Term
New Adventure: Motorcycles, Personal Watercraft (2025-2026) Loan	8.24%	48-84 Months
Details Maximum Financed: 100% MSRP; Maximum term dependent on purchase price: under $10,000 - up to 60 months; over $10,000 - up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	8.24%	10 Years
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $25,000 - Up to 60 months; Over $25,000 - Up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	8.74%	84 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $25,000 - Up to 60 months; Over $25,000 - Up to 84 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Used Adventure: Motorcycles, Personal Watercraft (Over 10 years old) Loan	9.74%	48 Months
Details Maximum Financed: 100% High NADA; Maximum term dependent on purchase price: Under $20,000 - Up to 48 months Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Personal Loans - 1 to 12 Months	10.99%	1 to 12 Months
Details Maximum Financed: $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Personal Loans - 13 to 24 Months	11.49%	13 to 24 Months
Details Maximum Financed: $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Personal Loans - 25 to 48 Months	11.99%	25 to 48 Months
Details Maximum Financed: $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Personal Loans - 49 to 60 Months	12.49%	49 to 60 Months
Details Maximum Financed: $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Personal Loans - 1-Payment Note	13.99%	1-Payment Note
Details Maximum Financed: $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

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.
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Financial Health History

Fibre Federal Credit Union’s Texas Ratio rose from 2.40% in Q3 2023 to 4.66% 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	$1.8B	4.66%	5.0	A+
March 31, 2026	$1.8B	3.96%	5.0	A+
December 31, 2025	$1.8B	4.08%	5.0	A+
September 30, 2025	$1.8B	4.20%	5.0	A+
June 30, 2025	$1.7B	3.43%	5.0	A+
March 31, 2025	$1.7B	3.24%	5.0	A+
December 31, 2024	$1.7B	4.03%	5.0	A+
September 30, 2024	$1.7B	3.63%	5.0	A+
June 30, 2024	$1.7B	3.73%	5.0	A+
March 31, 2024	$1.7B	3.44%	5.0	A+
December 31, 2023	$1.6B	2.41%	5.0	A+
September 30, 2023	$1.7B	2.40%	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 Fibre 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 Fibre 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 Fibre Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fibre Federal Credit Union

Website https://www.fibrecu.com

Address 796 Commerce Ave, Longview, WA 98632-2459

Phone 360-423-8750

Fax 360-414-4202

President James Duscha

CEO Christopher Bradberry

Full-Time Employees 338

Part-Time Employees 7

Branch Locations 16

ATM Locations 16

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

4.66%

Return on Assets (ROA)

0.4643%

Return on Equity (ROE)

3.4013%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

1,824,974,009

Total Amount of Shares and Deposits

1,554,628,329

Total Shares and Deposits < 1 Year

1,513,320,789

Total Shares and Deposits 1 3 Years

34,496,159

Total Shares and Deposits > 3 Years

6,811,378

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

93,353,501

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

93,353,501

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

1,461,274,828

Total Interest Expense (Sum of items 6 8)

10,036,213

Share Certificates

10,236

Number of Accounts for Share Drafts

73,844

IRA KEOGH Accounts

2,397

Number of Accounts for Regular Shares

126,000

Money Market Shares

3,590

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)

265,970,717

Total Liabilities

1,579,712,952

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Fibre Federal Credit Union 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.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Fibre Federal Credit Union

How many branches does Fibre Federal Credit Union operate?

Fibre 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 Fibre Federal Credit Union?

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

Does Fibre Federal Credit Union offer online and mobile banking?

Most modern institutions like Fibre 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.fibrecu.com.

Current Fibre Federal Credit Union Rates

12-Month CD3.68%
18-Month CD3.55%
24-Month CD3.50%
60-Month CD3.62%
Savings1.25%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Fibre Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Fibre Federal Credit Union Texas Ratio

Fibre Federal Credit Union Health Trend

Fibre Federal Credit Union CD Rates

Fibre Federal Credit Union Savings Rates

Fibre Federal Credit Union Business Savings Rates

Fibre Federal Credit Union Money Market Rates

Fibre Federal Credit Union Business Money Market Rates

Fibre Federal Credit Union Checking Rates

Fibre Federal Credit Union Business Checking Rates

Fibre Federal Credit Union Home Equity & HELOC

Fibre Federal Credit Union Auto Loan Rates

Fibre Federal Credit Union RV, Boat and Powersport Loan Rates

Fibre Federal Credit Union Credit Card Rates

Fibre Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Fibre Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Fibre Federal Credit Union

How many branches does Fibre Federal Credit Union operate?

Is a member application needed to join Fibre Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Fibre Federal Credit Union offer online and mobile banking?

Current Fibre Federal Credit Union Rates

Compare to Other Credit Unions