What are the current interest rates at Firefighters Credit Union Onalaska, WI?

Current rates for Firefighters Credit Union Onalaska, WI include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.60%, Savings: 0.10%, MMA: 1.00%

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Firefighters Credit Union Onalaska, WI

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Firefighters Credit Union Onalaska, WI Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Firefighters Credit Union Onalaska, WI 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: September 22, 2026

Firefighters Credit Union Onalaska, WI's 15 Month CD rates are at 4.15%, 15-Month CD rates are at 4.15%, 9 Month CD rates are at 4.05%, 9-Month CD rates are at 4.05%, 5 Year CD rates are at 3.60%. Firefighters Credit Union Onalaska, WI's savings rates are at 0.10%. Firefighters Credit Union Onalaska, WI's money market rates are at 1.00%. MonitorBankRates evaluates the financial stability of Firefighters Credit Union Onalaska, WI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.04%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 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

3.04%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Firefighters Credit Union Onalaska, WI
2707 Midwest Drive

2707 Midwest Dr
Onalaska, WI 54650-6758

https://www.myfirecu.org

Firefighters Credit Union Onalaska, WI CD Rates

Product	Rate	APY	Term
15 Month Share Certificate	4.07%	4.15%	15 month*
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
15-Month CD	-	4.15%	15 Month
Min Deposit $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
9 Month Share Certificate	3.98%	4.05%	9 month*
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
9-Month CD	-	4.05%	9 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
5 Year Share Certificate	3.54%	3.60%	5 years
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
4 Year Share Certificate	3.49%	3.55%	4 years**
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
1 Year Share Certificate	3.44%	3.50%	1 year
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
18 Month Share Certificate	3.44%	3.50%	18 months
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
2 Year Share Certificate	3.44%	3.50%	2 years
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
3 Year Share Certificate	3.44%	3.50%	3 years
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
6 Month Share Certificate	3.40%	3.45%	6 month*
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
91 Day Share Certificate	3.35%	3.40%	91 days*
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

Firefighters Credit Union Onalaska, WI Savings Rates

Product	Rate	APY
Christmas Club	3.44%	3.50%
Min Balance $5 Details Balance: $5.00-$2500.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
IRA Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Christmas Club	0.10%	0.10%
Min Balance $2,500 Details Balance: $2500.01 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
IRA Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Vacation Club	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

Firefighters Credit Union Onalaska, WI Money Market Rates

Product	Rate	APY
Deluxe Money Market	1.74%	1.75%
Min Balance $150,000 Details Balance: $150,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Deluxe Money Market	1.39%	1.40%
Min Balance $50,000 Details Balance: $50,000.00 to $149,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Deluxe Money Market	1.29%	1.30%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Deluxe Money Market	1.19%	1.20%
Min Balance $5,000 Details Balance: $5,000.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Deluxe Money Market	0.99%	1.00%
Min Balance $5 Details Balance: $5.00 to $4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

Firefighters Credit Union Onalaska, WI Checking Rates

Product	Rate	APY
Extreme Checking	3.44%	3.50%
Min Balance $0 Details Balance: $0.00 to $500.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Prestige Checking	3.44%	3.50%
Min Balance $500 Details If your daily balance is $500 or less, the dividend rate paid on the entire balance will be 3.44%, with an annual percentage yield (APY) of 3.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Classic "50" Checking	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Prestige Checking	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Classic "50" Checking	0.35%	0.35%
Min Balance $1,000 Details Balance: $1,000.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Prestige Checking	0.35%	0.35%
Min Balance $1,000 Details Balance: $1,000.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Business Checking	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Classic "50" Checking	0.20%	0.20%
Min Balance $250 Details Balance: $250.00 to $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Prestige Checking	0.20%	0.20%
Min Balance $5 Details Balance: $5.00 to $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Extreme Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500.01 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

Firefighters Credit Union Onalaska, WI Other Rates

Product	Rate	Points	APY/APR
It Pays To Check With Us	0.10%	-	0.10%
Min Balance $250 Details Balance: $250.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
It Pays To Check With Us	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Membership & Daily Share	0.10%	-	0.10%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money tree	0.20%	-	0.20%
Min Balance $5 Details Balance: $5.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money tree	0.30%	-	0.30%
Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money tree	0.10%	-	0.10%
Min Balance $2,500 Details Annual percentage yield is calculated using a range of balances from $2,500.01 to $10,000.00. A dividend rate of 0.10% will be paid only on the portion of your daily balance that is greater than $2,500.01. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
VIP Business	0.30%	-	0.30%
Min Balance $2,000 Details Balance: $2,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

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

Firefighters Credit Union Onalaska, WI’s Texas Ratio rose from 0.96% in Q2 2023 to 3.04% in Q1 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
March 31, 2026	$131M	3.04%	5.0	A+
December 31, 2025	$131M	1.91%	5.0	A+
September 30, 2025	$129M	2.15%	5.0	A+
June 30, 2025	$125M	3.28%	5.0	A+
March 31, 2025	$124M	1.44%	5.0	A+
December 31, 2024	$122M	1.11%	5.0	A+
September 30, 2024	$125M	0.90%	5.0	A+
June 30, 2024	$122M	3.87%	5.0	A+
March 31, 2024	$120M	3.39%	5.0	A+
December 31, 2023	$120M	3.16%	5.0	A+
September 30, 2023	$119M	3.77%	5.0	A+
June 30, 2023	$119M	0.96%	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 Firefighters Credit Union Onalaska, WI 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 Firefighters Credit Union Onalaska, WI 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 Firefighters Credit Union Onalaska, WI's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Firefighters Credit Union Onalaska, WI

Website https://www.myfirecu.org

Address 2707 Midwest Dr, Onalaska, WI 54650-6758

Phone 608-784-9480

Fax 608-519-1512

President Mike Gazeley

CEO Samantha Solare

Full-Time Employees 23

Part-Time Employees 7

Branch Locations 3

ATM Locations 0

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

3.04%

Return on Assets (ROA)

0.3249%

Return on Equity (ROE)

2.0260%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

130,693,676

Total Amount of Shares and Deposits

108,606,886

Total Shares and Deposits < 1 Year

104,535,845

Total Shares and Deposits 1 3 Years

3,738,597

Total Shares and Deposits > 3 Years

332,444

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

4,218,191

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

4,218,191

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

104,388,695

Total Interest Expense (Sum of items 6 8)

607,088

Share Certificates

1,322

Number of Accounts for Share Drafts

3,219

IRA KEOGH Accounts

390

Number of Accounts for Regular Shares

6,042

Money Market Shares

730

Net Income (unless the amount is already included in Undivided Earnings)

424,590

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)

6,673,689

Total Liabilities

109,736,651

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Firefighters Credit Union Onalaska, WI earned the Verified Healthy badge

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Frequently Asked Questions About Firefighters Credit Union Onalaska, WI

How many branches does Firefighters Credit Union Onalaska, WI operate?

Firefighters Credit Union Onalaska, WI 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 Firefighters Credit Union Onalaska, WI?

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

Does Firefighters Credit Union Onalaska, WI offer online and mobile banking?

Most modern institutions like Firefighters Credit Union Onalaska, WI 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.myfirecu.org.