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Fond Du Lac Credit Union Rates & Review November 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 30, 2026
Fond Du Lac Credit Union's 2 Year CD rates are at 3.14%, 3 Year CD rates are at 3.14%, 4 Year CD rates are at 3.14%, 5 Year CD rates are at 3.14%, 1 Year Balance Builder CD rates are at 2.52%. Fond Du Lac Credit Union's savings rates are at 0.15%. Fond Du Lac Credit Union's First Mortgage - 3/1 Year ARM rates are at 5.25%, First Mortgage - 7/1 Year ARM rates are at 5.75%, First Mortgage - 5/1 Year ARM rates are at 5.50%, Lot Loan - 3/1 Year ARM rates are at 6.75%, First Mortgage - 15 Year Fixed rates are at 6.88%. Fond Du Lac Credit Union's Personal Loan Rates are as low as 10.24%. Fond Du Lac Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Fond Du Lac Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.35%. Rates last updated and verified on 10/30/2026.
Fond Du Lac 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 Fond Du Lac Credit Union? Share your experience about Fond Du Lac Credit Union by leaving a review below, or read customer reviews before you decide to use Fond Du Lac Credit Union.
Fond Du Lac 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
Fond Du Lac 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
?
1.35%
ExcellentLower than avg
Fond Du Lac Credit Union Texas Ratio
Fond Du Lac Credit Union's Texas Ratio is 1.35%, which is considered excellent and is lower than the national average of 6.13%.
Fond Du Lac 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.
3.59% to 1.35% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now 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.
Fond Du Lac Credit Union CD Rates
Product
Rate
APY
Term
View More
2 Year Certificate
3.10%
3.136%
2 Year
Min Deposit$50,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
2 Year IRA Certificate
3.10%
3.136%
2 Year
Min Deposit$50,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
3 Year Certificate
3.10%
3.136%
3 Year
Min Deposit$50,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
3 Year IRA Certificate
3.10%
3.136%
3 Year
Min Deposit$50,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
4 Year Certificate
3.10%
3.136%
4 Year
Min Deposit$50,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
4 Year IRA Certificate
3.10%
3.136%
4 Year
Min Deposit$50,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
5 Year Certificate
3.10%
3.136%
5 Year
Min Deposit$50,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
5 Year IRA Certificate
3.10%
3.136%
5 Year
Min Deposit$50,000
DetailsIndividual Retirement Account Rates
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
2 Year Certificate
3.00%
3.034%
2 Year
Min Deposit$1,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
2 Year IRA Certificate
3.00%
3.034%
2 Year
Min Deposit$1,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
3 Year Certificate
3.00%
3.034%
3 Year
Min Deposit$1,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
3 Year IRA Certificate
3.00%
3.034%
3 Year
Min Deposit$1,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
4 Year Certificate
3.00%
3.034%
4 Year
Min Deposit$1,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
4 Year IRA Certificate
3.00%
3.034%
4 Year
Min Deposit$1,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
5 Year Certificate
3.00%
3.034%
5 Year
Min Deposit$1,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
5 Year IRA Certificate
3.00%
3.034%
5 Year
Min Deposit$1,000
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
1 Year Balance Builder Certificate
2.50%
2.524%
1 Year
Min Deposit$100
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
1 Year Certificate
2.50%
2.524%
1 Year
Min Deposit$500
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
1 Year IRA Certificate
2.50%
2.524%
1 Year
Min Deposit$500
DetailsIndividual Retirement Account Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
18 Month Certificate
2.50%
2.524%
18 Month
Min Deposit$1,000
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
180 Day Certificate
2.00%
2.015%
180 Day
Min Deposit$500
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
90 Day Certificate
1.50%
1.508%
90 Day
Min Deposit$500
DetailsCertificate Rates; penalty may apply for early withdrawal
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Fond Du Lac Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.30%
0.30%
Min Deposit$0
DetailsChristmas Club Account Rates; membership eligibility required; early withdrawal fee may apply
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Health Savings Account
0.15%
0.15%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000.00 and up
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Regular IRA Share
0.15%
0.15%
Min Deposit$5
DetailsIndividual Retirement Account Rates; minimum deposit to earn dividends is $50
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Health Savings Account
0.10%
0.10%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Regular Share
0.10%
0.10%
Min Deposit$5
DetailsSavings Account Rates
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Saver's Sweepstakes
0.10%
0.10%
Min Deposit$25
DetailsSaver's Sweepstakes Account Rates
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Health Savings Account
0.07%
0.07%
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 - $9,999.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.07% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Health Savings Account
0.05%
0.05%
Min Deposit$50
Min Balance$50
DetailsBalance: $50.00 - $1,999.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Fond Du Lac Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
First Mortgage - 3/1 Year ARM
5.25%
-
5.61%
DetailsAs Low As; ARM amortized over up to 30 years; First lien mortgage; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.61% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
First Mortgage - 7/1 Year ARM
5.75%
-
5.859%
DetailsAs Low As; ARM amortized over up to 30 years; First lien mortgage; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.86% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
First Mortgage - 5/1 Year ARM
5.50%
-
5.86%
DetailsAs Low As; ARM amortized over up to 30 years; First lien mortgage; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.86% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Lot Loan - 3/1 Year ARM
6.75%
-
6.90%
DetailsAs Low As; Lot Loans (3/1 Year ARM); ARM amortized over up to 20 years; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 6.90% APR · checked 2 times
11 changes since Sep 14, 2026 · 7.12% → 7.50% ▲ 0.38 pts · high 7.75% / low 6.87%
Oct 30, 20267.50%▲ from 7.37%
Oct 26, 20267.37%▼ from 7.50%
Oct 19, 20267.50%▲ from 7.37%
Oct 19, 20267.37%▲ from 6.87%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Fond Du Lac Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto & Recreational Loan
-
-
3.99%
36 Months
DetailsAs Low As; Model Year: 2023 & newer
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
4.24%
48 Months
DetailsAs Low As; Model Year: 2023 & newer
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
4.49%
60 Months
DetailsAs Low As; Model Year: 2023 & newer
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
4.49%
36 Months
DetailsAs Low As; Model Year: 2022 & Older
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
4.74%
72 Months
DetailsAs Low As; Model Year: 2023 & newer
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
4.74%
48 Months
DetailsAs Low As; Model Year: 2022 & Older
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
4.99%
60 Months
DetailsAs Low As; Model Year: 2022 & Older
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
5.24%
84 Months
DetailsAs Low As; Model Year: 2023 & newer; Minimum of $25,000 on an 84-month term
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
5.24%
72 Months
DetailsAs Low As; Model Year: 2022 & Older
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Auto & Recreational Loan
-
-
5.74%
84 Months
DetailsAs Low As; Model Year: 2022 & Older; Minimum of $25,000 on an 84-month term
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Fond Du Lac Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loan
10.24%
36 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Unsecured Loan
10.49%
48 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Unsecured Loan
10.74%
60 Months
DetailsAs Low As
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Fond Du Lac Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Kwik Cash Loan
-
-
15.00%
DetailsAs Low As; Kwik Cash Loans start at
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Real Estate Equity Advance Plan - LTV 80% or Less Loan
-
-
6.50%
DetailsAs Low As; LTV 80% or less; First or second lien mortgage; Minimum payment $150.00 or $1.50 per $100.00 of principal balance; Wisconsin properties only
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 6.25%
Oct 19, 20266.50%▲ from 6.25%
Oct 13, 20266.25%▼ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Real Estate Equity Advance Plan - LTV over 80% up to 90% Loan
-
-
7.00%
DetailsAs Low As; LTV over 80% up to 90%; First or second lien mortgage; Minimum payment $150.00 or $1.50 per $100.00 of principal balance; Wisconsin properties only
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 7.00% → 7.00% ▼ 0.00 pts · high 7.00% / low 6.75%
7 changes since Sep 14, 2026 · 8.07% → 8.32% ▲ 0.25 pts · high 8.70% / low 7.70%
Oct 26, 20268.32%▼ from 8.45%
Oct 19, 20268.45%▲ from 7.70%
Oct 13, 20267.70%▼ from 8.57%
Oct 9, 20268.57%▼ from 8.70%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Second Mortgage - 3/1 Year ARM
6.25%
-
6.438%
DetailsAs Low As; ARM amortized over up to 15 years; Second lien mortgage; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.44% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Second Mortgage - 5/1 Year ARM
6.50%
-
6.689%
DetailsAs Low As; ARM amortized over up to 15 years; Second lien mortgage; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.69% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Second Mortgage - 7/1 Year ARM
6.75%
-
6.94%
DetailsAs Low As; ARM amortized over up to 15 years; Second lien mortgage; Wisconsin properties only; Membership eligibility required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.94% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Money Management Account
0.65%
-
0.652%
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 - $9,999.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Money Management Account
1.00%
-
1.005%
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 1.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Money Management Account
1.15%
-
1.156%
Min Deposit$25,000
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 1.16% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Money Management Account
1.75%
-
1.764%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 1.76% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Money Management Account
2.00%
-
2.018%
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 and up
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 2.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.35%
Financial Health History
Fond Du Lac Credit Union’s Texas Ratio fell from 3.59% in Q3 2023 to 1.35% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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
$85M
1.35%
5.0
A+
March 31, 2026
$84M
0.89%
5.0
A+
December 31, 2025
$81M
1.12%
5.0
A+
September 30, 2025
$82M
1.28%
5.0
A+
June 30, 2025
$81M
0.72%
5.0
A+
March 31, 2025
$82M
0.70%
5.0
A+
December 31, 2024
$81M
3.74%
5.0
A+
September 30, 2024
$83M
2.81%
5.0
A+
June 30, 2024
$82M
2.98%
5.0
A+
March 31, 2024
$82M
3.44%
5.0
A+
December 31, 2023
$79M
4.48%
5.0
A+
September 30, 2023
$80M
3.59%
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 Fond Du Lac 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 Fond Du Lac 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 Fond Du Lac Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,204,518
Total Uninsured Shares and Deposits > $250K (F+J)
2,204,518
Total Insured Shares and Deposits > $250K (item 17 less item K)
70,478,404
Total Interest Expense (Sum of items 6 8)
204,996
Share Certificates
239
Number of Accounts for Share Drafts
3,571
IRA KEOGH Accounts
297
Number of Accounts for Regular Shares
6,142
All other shares
1,202
Money Market Shares
246
Net Income (unless the amount is already included in Undivided Earnings)
581,434
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)
3,109,957
Total Liabilities
73,315,524
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Fond Du Lac Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About Fond Du Lac Credit Union
Does Fond Du Lac Credit Union offer CDs?
Yes. Fond Du Lac Credit Union current CD rates include its 2 Year CD at 3.136% APY, its 3 Year CD at 3.136% APY and its 4 Year CD at 3.136% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Fond Du Lac Credit Union NCUA insured?
Yes. Fond Du Lac Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Fond Du Lac Credit Union?
The highest Fond Du Lac Credit Union CD rate is its 2 Year CD at 3.136% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Fond Du Lac Credit Union offer?
Fond Du Lac Credit Union CD rates are 2.524% APY for a 12 month CD, 2.52% APY for an 18 month CD, 3.136% APY for a 2 year CD, 3.136% APY for a 3 year CD, 3.136% APY for a 4 year CD and 3.136% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Fond Du Lac Credit Union for its full lineup.
What is the highest savings rate at Fond Du Lac Credit Union?
The highest Fond Du Lac Credit Union savings rate is its Health Savings Account at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at Fond Du Lac Credit Union?
The lowest Fond Du Lac Credit Union 30 year fixed mortgage rate is its First Mortgage - 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 30, 2026. Fond Du Lac Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.875% for a 10 year mortgage and 5.25% for a 1 year mortgage.
What is the lowest auto loan rate at Fond Du Lac Credit Union?
The lowest Fond Du Lac Credit Union auto loan rate is its Auto & Recreational Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Fond Du Lac Credit Union?
The lowest Fond Du Lac Credit Union personal loan rate is its Unsecured Loan at 10.24% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Fond Du Lac Credit Union operate?
Fond Du Lac 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 Fond Du Lac Credit Union?
Yes, to access services at Fond Du Lac 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, Fond Du Lac 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, Fond Du Lac Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Fond Du Lac Credit Union offer online and mobile banking?
Most modern institutions like Fond Du Lac 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.fdlcu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Fond Du Lac Credit Union rates compare?
Fond Du Lac Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. Fond Du Lac Credit Union's top rates are its 2 Year CD at 3.136% APY, its Health Savings Account at 0.15% APY, its First Mortgage - 3/1 Year ARM at 5.25% and its Unsecured Loan at 10.24% APR, verified by MonitorBankRates on October 30, 2026.
Current Fond Du Lac Credit Union Rates
12-Month CD2.52%
18-Month CD2.52%
24-Month CD3.03%
60-Month CD3.03%
Savings0.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
