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FinancialEdge Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 9, 2026
FinancialEdge Community Credit Union's top rates as of October 9, 2026 are 3.80% APY on its 15 Month - Special Minimum CD, 4.00% APY on savings, 0.20% APY on checking, 5.88% on its Conventional First Mortgage - 10-Years, personal loans from 10.50% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other FinancialEdge Community Credit Union CD rates include 37 Month - Special CD at 3.40%, 25 Month - Special CD at 3.35%, and 13 Month - Special CD at 3.25%. Other FinancialEdge Community Credit Union mortgage rates include Conventional First Mortgage - 15-Years at 6.00%, and Conventional First Mortgage - 30-Years at 7.50%. MonitorBankRates evaluates the financial stability of FinancialEdge Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates last updated and verified on 10/09/2026.
FinancialEdge Community 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 FinancialEdge Community Credit Union? Share your experience about FinancialEdge Community Credit Union by leaving a review below, or read customer reviews before you decide to use FinancialEdge Community Credit Union.
FinancialEdge Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
FinancialEdge Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.97%
ExcellentLower than avg
FinancialEdge Community Credit Union Texas Ratio
FinancialEdge Community Credit Union's Texas Ratio is 2.97%, which is considered excellent and is lower than the national average of 6.13%.
FinancialEdge Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.89% to 2.97% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
FinancialEdge Community Credit Union CD Rates
Product
Rate
APY
Term
View More
15 Month - Special Minimum CD
3.74%
3.80%
15 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
37 Month - Special Certificate
3.35%
3.40%
37 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
25 Month - Special Certificate
3.30%
3.35%
25 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
13 Month - Special Certificate
3.20%
3.25%
13 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
60 Month Certificate
2.96%
3.00%
60 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
60 Month Minimum CD
2.96%
3.00%
60 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
48 Month Certificate
2.86%
2.90%
48 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
48 Month Minimum CD
2.86%
2.90%
48 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
36 Month Certificate
2.67%
2.70%
36 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
36 Month Minimum CD
2.67%
2.70%
36 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
12 Month Minimum CD
2.57%
2.60%
12 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
18 Month Minimum CD
2.57%
2.60%
18 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
24 Month Minimum CD
2.57%
2.60%
24 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
6 Month Minimum CD
2.57%
2.60%
6 Month
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
12 Month Certificate
2.47%
2.50%
12 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
18 Month Certificate
2.47%
2.50%
18 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
6 Month Certificate
2.47%
2.50%
6 Month
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000.00 ($100 for minors); Minimum: $1,000.00 ($100 for minors)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
24 Month Certificate
2.47%
2.47%
24 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.47% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Savings Rates
Product
Rate
APY
View More
MyLife Savings
3.93%
4.00%
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying: $0.01 - $100,000.00; Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
IRA Savings
0.20%
0.20%
DetailsBalance: $100,000 and up
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
IRA Savings
0.17%
0.17%
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.17% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
IRA Savings
0.12%
0.12%
DetailsBalance: $10,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.12% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
IRA Savings
0.10%
0.10%
Min Deposit$100
Min Balance$100
DetailsBalance: $100 - $9,999.99; Monthly
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Christmas Club
0.02%
0.02%
Min Deposit$0
Min Balance$25
DetailsQuarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Member Savings
0.02%
0.02%
Min Deposit$5
Min Balance$25
DetailsQuarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Secondary Savings
0.02%
0.02%
Min Deposit$0
Min Balance$25
DetailsQuarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Business Savings Rates
Product
Rate
APY
View More
Business High Yield Savings
2.96%
3.00%
Min Balance$250,000
DetailsBalance: $250,000 and up
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Business High Yield Savings
2.72%
2.75%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Business High Yield Savings
1.74%
1.75%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Business High Yield Savings
1.49%
1.50%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Business High Yield Savings
1.00%
1.00%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Member Business Savings
0.02%
0.02%
Min Deposit$5
Min Balance$25
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Business Checking Rates
Product
Rate
APY
View More
Business MyBusiness Gets Interest Checking
0.20%
0.20%
Min Deposit$25
Min Balance$0
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Conventional First Mortgage - 10-Years
5.875%
-
6.026%
10-Years
DetailsMaximum % Financed: Up to 97% LTV
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.03% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Conventional First Mortgage - 15-Years
6.00%
-
6.107%
15-Years
DetailsMaximum % Financed: Up to 97% LTV
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.11% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Conventional First Mortgage - 30-Years
7.50%
-
7.592%
30-Years
DetailsMaximum % Financed: Up to 97% LTV
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
10-Year Home Equity Special
5.439%
-
5.49%
10-Year
DetailsMaximum % Financed: Up to 80% CLTV; Eligibility Requirements: 1) Membership required with a $5 minimum savings balance. 2) Minimum credit score of 730 required for advertised Rate/APR. 3) Subject to credit approval and collateral evaluation. 4) All accounts must be in good standing. 5) Additional terms and conditions may apply. FinancialEdge Credit Union reserves the right to modify or discontinue this offer at any time without notice.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.17% → 5.49% ▲ 0.32 pts · high 5.49% / low 5.17%
Sep 29, 20265.49%▲ from 5.17%
Sep 18, 20265.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Home Equity
6.25%
-
6.784%
5-Years
DetailsMaximum % Financed: Up to 100% CLTV
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.06% → 6.78% ▼ 0.27 pts · high 7.06% / low 6.78%
Sep 29, 20266.78%▼ from 7.06%
Sep 18, 20267.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Home Equity
6.75%
-
7.041%
10-Years
DetailsMaximum % Financed: Up to 100% CLTV
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.55% → 7.04% ▲ 0.49 pts · high 7.04% / low 6.55%
Sep 29, 20267.04%▲ from 6.55%
Sep 18, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Home Equity
7.25%
-
7.582%
5-Year Balloon
DetailsMaximum % Financed: Up to 100% CLTV
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.06% → 7.58% ▲ 0.53 pts · high 7.58% / low 7.06%
Sep 29, 20267.58%▲ from 7.06%
Sep 18, 20267.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
4.99%
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Credit Card Rates
Product
Rate
APR
View More
MasterCard Low Rate
-
8.90%
DetailsAs Low As; MasterCard Low Rate
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MasterCard Rewards
-
12.90%
DetailsAs Low As; MasterCard Rewards
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans
10.50%
25 Months
DetailsAs Low As; Signature Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Signature Loans
10.75%
36 Months
DetailsAs Low As; Signature Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Signature Loans
11.25%
43 Months
DetailsAs Low As; Signature Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Signature Loans
11.50%
61 Months
DetailsAs Low As; Signature Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Signature Loans
12.50%
72 Months
DetailsAs Low As; Signature Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Signature Loans
13.50%
84 Months
DetailsAs Low As; Signature Loans
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
FinancialEdge Community Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
10-Year Balloon Loan
5.75%
-
5.847%
30 Years
DetailsBalloon Mortgage; Maximum % Financed: Up to 97% LTV; Balloon Repayment Example 30-Years: If you borrow $150,000 at a rate of 5.75% for a 360-month amortization, 120-month balloon term, you will need to make 119 payments of $875.36 and one final payment of approximately $125,555.41. All or a portion of the final payment may be refinanced with qualifying creditworthiness.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Credit Builder Loan
-
-
16.00%
24 Months
DetailsCredit Builder
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MyLife Instant Cash Loan
-
-
18.99%
36 Months
DetailsMyLife Instant Cash Loan
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 18.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Revolving Loans
-
-
12.75%
DetailsAs Low As; Revolving Loans
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 12.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
High Yield 2.5
0.10%
-
0.10%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99; Div. Period Compounded & Credited: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
High Yield 2.5
0.12%
-
0.12%
DetailsBalance: $10,000 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
High Yield 2.5
0.15%
-
0.15%
DetailsBalance: $25,000 and up
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
High Yield 25
0.15%
-
0.15%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Div. Period Compounded & Credited: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
High Yield 25
0.17%
-
0.17%
DetailsBalance: $50,000 - $74,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.17% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
High Yield 25
0.20%
-
0.20%
DetailsBalance: $75,000 and up
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MyJourney Account
0.52%
-
0.52%
Min Deposit$5
Min Balance$25
DetailsQuarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.52% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MyLife Gets Premier Interest
0.15%
-
0.15%
Min Deposit$25
Details$1,500.00 or more; Quarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MyLife Gets Premier Interest
0.02%
-
0.02%
Min Deposit$25
Details$0.01 - $1,499.99; Quarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MyLife Max Interest
4.89%
-
5.00%
Min Deposit$25
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00; Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
MyLife Max Interest
0.02%
-
0.02%
Min Deposit$25
DetailsPublished APY range: 0.02% - 5.00%. Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance $10,000.01 or more; Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Premium High Yield
1.49%
-
1.50%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Div. Period Compounded & Credited: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Premium High Yield
1.74%
-
1.75%
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Premium High Yield
2.72%
-
2.75%
DetailsBalance: $100,000 - $499,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Premium High Yield
2.96%
-
3.00%
DetailsBalance: $500,000 and up
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.97%
Financial Health History
FinancialEdge Community Credit Union’s Texas Ratio rose from 1.89% in Q3 2023 to 2.97% 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
$147M
2.97%
5.0
A+
March 31, 2026
$145M
3.25%
5.0
A+
December 31, 2025
$140M
4.63%
5.0
A+
September 30, 2025
$136M
3.86%
5.0
A+
June 30, 2025
$135M
4.33%
5.0
A+
March 31, 2025
$134M
1.41%
5.0
A+
December 31, 2024
$128M
2.25%
5.0
A+
September 30, 2024
$125M
2.24%
5.0
A+
June 30, 2024
$125M
1.70%
5.0
A+
March 31, 2024
$124M
2.18%
5.0
A+
December 31, 2023
$122M
1.98%
5.0
A+
September 30, 2023
$123M
1.89%
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 FinancialEdge Community 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 FinancialEdge Community 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 FinancialEdge Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameFinancialEdge Community Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,630,973
Total Uninsured Shares and Deposits > $250K (F+J)
6,630,973
Total Insured Shares and Deposits > $250K (item 17 less item K)
120,787,293
Total Interest Expense (Sum of items 6 8)
741,431
Share Certificates
500
Number of Accounts for Share Drafts
6,435
IRA KEOGH Accounts
299
Number of Accounts for Regular Shares
10,422
All other shares
1,399
Money Market Shares
412
Net Income (unless the amount is already included in Undivided Earnings)
517,910
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)
22,957,467
Total Liabilities
129,231,742
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
FinancialEdge Community 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.
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About FinancialEdge Community Credit Union
How many branches does FinancialEdge Community Credit Union operate?
FinancialEdge Community 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 FinancialEdge Community Credit Union?
Yes, to access services at FinancialEdge Community 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, FinancialEdge Community 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, FinancialEdge Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does FinancialEdge Community Credit Union offer online and mobile banking?
Most modern institutions like FinancialEdge Community 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.financialedgeccu.org.
Current FinancialEdge Community Credit Union Rates
12-Month CD2.50%
18-Month CD2.50%
24-Month CD2.47%
60-Month CD3.00%
Savings4.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
