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Worth 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
Worth Credit Union's 12 Month Term CD rates are at 4.34%, 6 Month Term CD rates are at 4.08%, 24 Month Term CD rates are at 3.51%, 60 Month Term CD rates are at 3.41%, 30 Month Term CD rates are at 3.15%. Worth Credit Union's savings rates are at 0.20%. Worth Credit Union's checking rates are as high as 0.15%. Worth Credit Union's Personal Loan Rates are as low as 9.99%. Worth Credit Union's Credit Card Rates are at 10.99%. Worth Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Worth Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.68%. Rates last updated and verified on 10/30/2026.
Worth 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 Worth Credit Union? Share your experience about Worth Credit Union by leaving a review below, or read customer reviews before you decide to use Worth Credit Union.
Worth 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
Worth 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
?
2.68%
ExcellentLower than avg
Worth Credit Union Texas Ratio
Worth Credit Union's Texas Ratio is 2.68%, which is considered excellent and is lower than the national average of 6.13%.
Worth 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.
3.18% to 2.68% 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.
Worth Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month IRA Term Share Certificate
4.25%
4.34%
12 Months
Min Deposit$1,000
DetailsCompounding/Paid: Daily/Quarterly
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.34% APY · checked 3 times
No change since Oct 10, 2026 · 0.01% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Worth Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity
-
-
5.74%
20 Years
DetailsPublished APR range: 5.74%-10.39%. Maximum Loan: $300,000; Rate Based on Applicant's Credit Score and Re-Payment Term; (a) APR as low as rate quoted; final APR may vary based on fees and closing costs
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Home Equity Line of Credit
-
-
7.00%
10 Year Repayment
DetailsPublished APR range: 7.00%-10.50%. Maximum Loan: $300,000; Variable Rate Loan; (a) APR as low as rate quoted; final APR may vary based on fees and closing costs
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 7.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Worth Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - 2027-2024
-
-
4.99%
90 Months
DetailsPublished APR range: 4.99%-12.24%. Maximum Loan: 100% of Purchase Price; Ask for Details
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Auto Loan - 2023-2019
-
-
5.34%
78 Months
DetailsPublished APR range: 5.34%-12.04%. Maximum Loan: 100% of Purchase Price; Ask for Details
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Auto Loan - 2018 & Older
-
-
7.49%
48 Months
DetailsPublished APR range: 7.49%-14.49%. Maximum Loan: 100% of Purchase Price; Ask for Details
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Worth Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles / Boats - New Loan
-
7.49%
72 Months
DetailsPublished APR range: 7.49%-15.00%. Maximum Loan: 100% of Purchase Price; Rate Based on Applicant's Credit Score and Re-Payment Term
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Motor Homes / Travel Trailers - New Loan
-
7.74%
120 Months
DetailsPublished APR range: 7.74%-16.50%. Maximum Loan: 100% of Purchase Price; Rate Based on Applicant's Credit Score and Re-Payment Term
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Motorcycles / Boats - Used Loan
-
7.99%
60 Months
DetailsPublished APR range: 7.99%-15.50%. Maximum Loan: 100% of Purchase Price; Rate Based on Applicant's Credit Score and Re-Payment Term
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Motor Homes / Travel Trailers - Used Loan
-
8.25%
96 Months
DetailsPublished APR range: 8.25%-17.00%. Maximum Loan: 100% of Purchase Price; Rate Based on Applicant's Credit Score and Re-Payment Term
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 8.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Worth Credit Union Credit Card Rates
Product
Rate
APR
View More
MasterCard, VISA - Platinum
-
10.99%
DetailsPublished APR range: 10.99%-17.99%. Credit Limit: $300-$25,000; Rate Based on Applicant's Credit Score and Re-Payment Term
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
MasterCard, VISA - Secured
-
10.99%
DetailsCredit Limit: $300-$10,000
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.99% APR · checked 4 times
No change since Oct 1, 2026 · 3.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Term Share Certificate - 60 Months
3.35%
-
3.41%
60 Months
Min Balance$95,000
DetailsBalance: $95,000 and over; Compounding/Paid: Daily/Monthly
Last Updated10/30/2026
Rate History
No change since Oct 1, 2026 · 3.41% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.68%
Financial Health History
Worth Credit Union’s Texas Ratio fell from 3.18% in Q3 2023 to 2.68% 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
$1.3B
2.68%
5.0
A+
March 31, 2026
$1.3B
2.68%
5.0
A+
December 31, 2025
$1.3B
2.80%
5.0
A+
September 30, 2025
$1.3B
3.61%
5.0
A+
June 30, 2025
$1.3B
3.16%
5.0
A+
March 31, 2025
$1.3B
2.82%
5.0
A+
December 31, 2024
$1.2B
4.24%
5.0
A+
September 30, 2024
$1.2B
3.47%
5.0
A+
June 30, 2024
$1.2B
3.35%
5.0
A+
March 31, 2024
$1.2B
2.57%
5.0
A+
December 31, 2023
$1.2B
3.85%
5.0
A+
September 30, 2023
$1.2B
3.18%
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 Worth 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 Worth 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 Worth 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)
105,168,528
Total Uninsured Shares and Deposits > $250K (F+J)
105,168,528
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,026,612,024
Total Interest Expense (Sum of items 6 8)
11,116,467
Share Certificates
6,230
Number of Accounts for Share Drafts
33,107
IRA KEOGH Accounts
2,612
Number of Accounts for Regular Shares
74,941
Money Market Shares
7,099
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)
145,038,590
Total Liabilities
1,143,079,435
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Worth 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.
Customer Reviews
There are no reviews for Worth Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Worth Credit Union
Frequently Asked Questions About Worth Credit Union
Does Worth Credit Union offer CDs?
Yes. Worth Credit Union current CD rates include its 12 Month Term CD at 4.34% APY, its 6 Month Term CD at 4.08% APY and its 24 Month Term CD at 3.51% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Worth Credit Union NCUA insured?
Yes. Worth 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 Worth Credit Union?
The highest Worth Credit Union CD rate is its 12 Month IRA Term CD at 4.34% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Worth Credit Union offer?
Worth Credit Union CD rates are 4.08% APY for a 6 month CD, 4.34% APY for a 12 month CD, 3.51% APY for an 18 month CD, 3.51% APY for a 2 year CD, 3.15% APY for a 30 month CD and 3.41% 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 Worth Credit Union for its full lineup.
What is the highest savings rate at Worth Credit Union?
The highest Worth Credit Union savings rate is its Prime Advantage Savings Account at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Worth Credit Union?
The highest Worth Credit Union checking rate is its Benefits Checking at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Worth Credit Union?
The lowest Worth Credit Union auto loan rate is its Auto Loan - 2027-2024 at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Worth Credit Union?
The lowest Worth Credit Union personal loan rate is its Signature Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at Worth Credit Union?
The lowest Worth Credit Union credit card APR is its MasterCard, VISA - Platinum Credit Card at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Worth Credit Union operate?
Worth 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 Worth Credit Union?
Yes, to access services at Worth 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, Worth 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, Worth Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Worth Credit Union offer online and mobile banking?
Most modern institutions like Worth 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.ftwccu.org.
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 Worth Credit Union rates compare?
Worth Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Worth Credit Union's top rates are its 12 Month IRA Term CD at 4.34% APY, its Prime Advantage Savings Account at 0.20% APY, its Benefits Checking at 0.15% APY, its Signature Loan at 9.99% APR and its MasterCard, VISA - Platinum Credit Card at 10.99% APR, verified by MonitorBankRates on October 30, 2026.
Current Worth Credit Union Rates
12-Month CD4.34%
18-Month CD3.51%
24-Month CD3.15%
60-Month CD3.25%
Savings0.20%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
