What are the current interest rates at Fox Communities Credit Union?

Current rates for Fox Communities Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.55%, 24-Month CD: 3.55%, 60-Month CD: 3.85%, Savings: 2.50%, MMA: 3.75%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Fox Communities Credit Union

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Fox Communities Credit Union Rates & Review October 2026

Q: Is a member application needed to join Fox Communities Credit Union?

Yes, to access services at Fox Communities Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fox Communities Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Fox Communities Credit Union's top rates as of October 9, 2026 are 4.55% APY on its 22 Month CD, 2.50% APY on savings, 3.75% APY on money market accounts, 5.00% APY on checking, 6.38% on its 5/1 ARM mortgage, and personal loans from 11.24% APR, according to rates verified by MonitorBankRates. Other Fox Communities Credit Union CD rates include 22 month CD Special at 4.55%, 12 Month Jumbo CD at 4.50%, and Jumbo CDs and IRAs - 12 month at 4.50%. Other Fox Communities Credit Union mortgage rates include 10/1 ARM at 6.50%, 15 Year Fixed at 6.88%, and Fixed Rate Mortgages - 15 Year Fixed at 6.88%. MonitorBankRates evaluates the financial stability of Fox Communities Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.15%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.15%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fox Communities Credit Union
Enterprise

2201 E Enterprise Ave
Appleton, WI 54913

https://www.foxcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Fox Communities Credit Union CD Rates

Product	Rate	APY	Term
22 Month Certificate	4.474%	4.55%	22 Months
Details with active checking account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
22 month Certificate Special	4.474%	4.55%	22 Months
Details with active checking account Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
12 Month Jumbo Certificate	4.426%	4.50%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 12 month	4.426%	4.50%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
13 Month Certificate	4.329%	4.40%	13 Months
Details with active checking account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
13 month Certificate Special	4.329%	4.40%	13 Months
Details with active checking account Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
22 Month Certificate	4.232%	4.30%	22 Months
Details without active checking account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
22 month Certificate Special	4.232%	4.30%	22 Months
Details without active checking account Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
6 Month Jumbo Certificate	4.184%	4.25%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Jumbo Certificates and IRAs - 6 month	4.184%	4.25%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
9 Month Certificate	4.155%	4.22%	9 Months
Details with active checking account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.22% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
9 month Certificate Special	4.155%	4.22%	9 Months
Details with active checking account Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.22% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
13 Month Certificate	4.087%	4.15%	13 Months
Details without active checking account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
13 month Certificate Special	4.087%	4.15%	13 Months
Details without active checking account Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
9 Month Certificate	3.941%	4.00%	9 Months
Details without active checking account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
9 month Certificate Special	3.941%	4.00%	9 Months
Details without active checking account Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
60 Month Certificate	3.796%	3.85%	60 Months
Min Balance $500 Details Early Withdrawal Penalty: 365 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
48 Month Certificate	3.698%	3.75%	48 Months
Min Balance $500 Details Early Withdrawal Penalty: 365 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
24 Month Certificate	3.60%	3.65%	24 Months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.65% → 3.65% ▼ 0.00 pts · high 3.65% / low 3.55% Oct 9, 20263.65%▲ from 3.55% Oct 5, 20263.55%▼ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
36 Month Certificate	3.60%	3.65%	36 Months
Min Balance $500 Details Early Withdrawal Penalty: 365 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
30 Month Certificate	3.552%	3.60%	30 Months
Min Balance $500 Details Early Withdrawal Penalty: 270 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
12 Month Certificate	3.50%	3.55%	12 Months
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.55% → 3.55% ▼ 0.00 pts · high 3.55% / low 3.50% Oct 9, 20263.55%▲ from 3.50% Oct 5, 20263.50%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
18 Month Certificate	3.50%	3.55%	18 Months
Min Balance $500 Details Early Withdrawal Penalty: 180 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
24 Month Certificate	3.50%	3.55%	24 Months
Min Balance $500 Details Early Withdrawal Penalty: 270 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
12 Month Certificate	3.455%	3.50%	12 Months
Min Balance $500 Details Early Withdrawal Penalty: 180 Days Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
3 Month Certificate	2.97%	3.00%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
6 Month Certificate	2.97%	3.00%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Savings Rates

Product	Rate	APY
Health Savings Accounts (HSA)	2.47%	2.50%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Savings	1.98%	2.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Health Savings Accounts (HSA)	1.98%	2.00%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Health Savings Accounts (HSA)	1.74%	1.75%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Health Savings Accounts (HSA)	1.49%	1.50%
Min Balance $100 Details Balance: $100-$2,499.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $100 Details Balance: $100+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Money Market Rates

Product	Rate	APY
Fox Rewards Money Market	3.69%	3.75%
Min Balance $1,000,000 Details Qualifications Required: If qualifications are met; Balance: $1,000,000+; If qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	3.445%	3.50%
Min Balance $500,000 Details Qualifications Required: If qualifications are met; Balance: $500,000-$999,999.99; If qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	3.445%	3.50%
Min Balance $100,000 Details Qualifications Required: If qualifications are met; Balance: $100,000-$499,999.99; If qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	3.445%	3.50%
Min Balance $15,000 Details Qualifications Required: If qualifications are met; Balance: $15,000-$99,999.99; If qualifications are met Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Everyday Money Market	2.47%	2.50%
Min Balance $1,000,000 Details To earn the disclosed APY, a minimum balance of $100 is required; Balance: $1,000,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	2.47%	2.50%
Min Balance $500,000 Details Qualifications Required: If qualifications are NOT met; Balance: $500,000-$999,999.99; If qualifications are NOT met Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Everyday Money Market	1.98%	2.00%
Min Balance $500,000 Details To earn the disclosed APY, a minimum balance of $100 is required; Balance: $500,000-$999,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	1.98%	2.00%
Min Balance $100,000 Details Qualifications Required: If qualifications are NOT met; Balance: $100,000-$499,999.99; If qualifications are NOT met Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Everyday Money Market	1.49%	1.50%
Min Balance $100,000 Details To earn the disclosed APY, a minimum balance of $100 is required; Balance: $100,000-$499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Everyday Money Market	1.00%	1.00%
Min Balance $15,000 Details To earn the disclosed APY, a minimum balance of $100 is required; Balance: $15,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	1.00%	1.00%
Min Balance $0 Details Qualifications Required: If qualifications are met; Balance: $0.01-$14,999.99; If qualifications are met Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Sep 18, 20261.00%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	1.00%	1.00%
Min Balance $15,000 Details Qualifications Required: If qualifications are NOT met; Balance: $15,000-$99,999.99; If qualifications are NOT met Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Everyday Money Market	0.50%	0.50%
Min Balance $100 Details To earn the disclosed APY, a minimum balance of $100 is required; Balance: $100-$14,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Money Market	0.50%	0.50%
Min Balance $0 Details Qualifications Required: If qualifications are NOT met; Balance: $0.01-$14,999.99; If qualifications are NOT met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Checking Rates

Product	Rate	APY
Fox Rewards Checking	4.89%	5.00%
Min Balance $5,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $5,000.00 & less Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Rewards Checking	0.50%	0.50%
Min Balance $5,000 Details Published APY range: 0.50% - 5.00%. Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $5,000.01 & greater Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Non-Profit Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Non-Profit Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Non-Profit Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Business Checking Rates

Product	Rate	APY
Business Checking Plus	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Business Checking Plus	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Business Checking Plus	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10/1 ARM	6.50%	-	6.623%	10/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
5/1 ARM	6.375%	-	6.639%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
15 Year Fixed	6.875%	-	6.947%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fixed Rate Mortgages - 15 Year Fixed	6.875%	-	7.023%	15 years
Details As low as Last Updated 10/09/2026 Rate History 5 changes since Sep 18, 2026 · 6.77% → 7.02% ▲ 0.26 pts · high 7.11% / low 6.73% Oct 9, 20267.02%▼ from 7.11% Oct 5, 20267.11%▲ from 6.98% Oct 2, 20266.98%▼ from 6.98% Oct 1, 20266.98%▲ from 6.73% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
First Time Home Buyers - 7/1 ARM	7.375%	-	7.175%
Details As Low As; Rate: 7.375% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.18% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
7/1 ARM	7.375%	-	7.176%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.33% → 7.18% ▼ 0.16 pts · high 7.33% / low 7.18% Oct 9, 20267.18%▼ from 7.33% Oct 5, 20267.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Adjustable Rate Mortgages - 7/1 ARM	7.50%	-	7.244%	7/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
First Time Home Buyers - 10/1 ARM	7.50%	-	7.355%
Details As Low As; Rate: 7.500% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Adjustable Rate Mortgages - 10/1 ARM	7.625%	-	7.442%	10/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
10/1 ARM	7.625%	-	7.443%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.55% → 7.44% ▼ 0.11 pts · high 7.55% / low 7.44% Oct 9, 20267.44%▼ from 7.55% Oct 5, 20267.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fixed Rate Mortgages - 30 Year Fixed	7.375%	-	7.47%	30 years
Details As low as Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 7.08% → 7.47% ▲ 0.39 pts · high 7.62% / low 7.08% Oct 9, 20267.47%▼ from 7.62% Oct 2, 20267.62%▲ from 7.49% Oct 1, 20267.49%▲ from 7.11% Sep 22, 20267.11%▲ from 7.08% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox First Home Advantage (30 Year Fixed)	7.375%	-	7.47%	30 Year
Details As Low As; Rate: 7.375% Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.96% → 7.47% ▲ 0.51 pts · high 7.62% / low 6.96% Oct 9, 20267.47%▼ from 7.62% Oct 2, 20267.62%▲ from 7.49% Oct 1, 20267.49%▲ from 7.11% Sep 22, 20267.11%▲ from 7.08% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fixed Rate Mortgages - 20 Year Fixed	7.375%	-	7.498%	20 years
Details As low as Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 7.23% → 7.50% ▲ 0.27 pts · high 7.65% / low 7.23% Oct 9, 20267.50%▼ from 7.65% Oct 2, 20267.65%▲ from 7.53% Oct 1, 20267.53%▲ from 7.27% Sep 22, 20267.27%▲ from 7.23% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	7.00%	-	7.00%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Home Equity 5/1 ARM Terms Up to 30 Years	5.99%	-	7.277%	Up to 30 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicles, Boats, Campers & Motorcycles (2021 & newer) Loan	-	-	4.69%	12 month or less
Details As Low As; Rates subject to change. See credit union for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Vehicles, Boats, Campers & Motorcycles (2021 & newer) Loan	-	-	4.69%	13 - 24 months
Details As Low As; Rates subject to change. See credit union for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Vehicles, Boats, Campers & Motorcycles (2021 & newer) Loan	-	-	4.69%	25 - 36 months
Details As Low As; Rates subject to change. See credit union for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Vehicles, Boats, Campers & Motorcycles (2021 & newer) Loan	-	-	4.99%	37 - 48 months
Details As Low As; Rates subject to change. See credit union for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Vehicles, Boats, Campers & Motorcycles (2021 & newer) Loan	-	-	4.99%	49 - 60 months
Details As Low As; Rates subject to change. See credit union for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Vehicles, Boats, Campers & Motorcycles (2021 & newer) Loan	-	-	4.99%	61 - 72 months
Details As Low As; Rates subject to change. See credit union for details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners (2021 & newer) Loan	-	5.24%	12 months or less
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners (2021 & newer) Loan	-	5.24%	13 - 24 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners (2021 & newer) Loan	-	5.24%	25 - 36 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners (2021 & newer) Loan	-	5.49%	37 - 48 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners (2021 & newer) Loan	-	5.49%	49 - 60 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
ATVs, UTVs, Snowmobiles, Jet Skis, & Waverunners (2021 & newer) Loan	-	5.49%	61 - 72 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	11.24%
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

Fox Communities Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fox Best Rate Loan	-	-	10.49%
Details Intro rate expires: 6 months; Regular APR: 10.49% - 18.49% Variable APR; APR range: 10.49% - 18.49% Variable APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox Cash Back Loan	-	-	15.49%
Details Intro rate expires: 6 months; Regular APR: 15.49% - 23.49% Variable APR; APR range: 15.49% - 23.49% Variable APR Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Fox First Rewards Loan	-	-	14.49%
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
It's About Time Homeowners' Loan	-	-	6.99%	up to 120 months
Details Based on dollar amount of the loan; Maximum loan amount $40,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Kwik Cash Line of Credit	-	-	12.90%
Details Payment of $15.00 or $3.00 for each $100.00 borrowed, whichever is greater as of the most recent advance date. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%
Individual Retirement Account	0.10%	-	0.10%
Min Balance $100 Details also known as "IRA." To earn the disclosed APY, a minimum balance of $100 is required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.15%

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

Fox Communities Credit Union’s Texas Ratio stayed near 2.04% in Q3 2023 to 2.15% 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	$3.4B	2.15%	5.0	A+
March 31, 2026	$3.3B	1.59%	5.0	A+
December 31, 2025	$3.3B	1.68%	5.0	A+
September 30, 2025	$3.2B	2.38%	5.0	A+
June 30, 2025	$3.2B	2.12%	5.0	A+
March 31, 2025	$3.1B	1.66%	5.0	A+
December 31, 2024	$3.0B	2.45%	5.0	A+
September 30, 2024	$3.1B	2.15%	5.0	A+
June 30, 2024	$3.0B	1.73%	5.0	A+
March 31, 2024	$2.9B	1.86%	5.0	A+
December 31, 2023	$2.8B	1.58%	5.0	A+
September 30, 2023	$2.7B	2.04%	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 Fox Communities 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 Fox Communities 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 Fox Communities Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fox Communities Credit Union

Website https://www.foxcu.org

Address 2201 E Enterprise Ave, Appleton, WI 54913

Phone 920-993-9000

Fax 920-749-7285

President Bill Panella

CEO Chris Allen

Full-Time Employees 481

Part-Time Employees 44

Branch Locations 23

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.15%

Return on Assets (ROA)

0.6569%

Return on Equity (ROE)

6.1570%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

3,387,970,811

Total Amount of Shares and Deposits

2,663,583,696

Total Shares and Deposits < 1 Year

2,516,860,601

Total Shares and Deposits 1 3 Years

121,167,536

Total Shares and Deposits > 3 Years

25,555,558

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

211,712,250

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

216,054,479

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

2,447,529,217

Total Interest Expense (Sum of items 6 8)

41,283,106

Share Certificates

21,448

Number of Accounts for Share Drafts

99,588

IRA KEOGH Accounts

6,769

Number of Accounts for Regular Shares

134,462

All other shares

4,337

Non Member Deposits

164

Money Market Shares

18,145

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

22,256,392

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)

111,791,802

Total Liabilities

3,047,478,522

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Fox Communities Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Fox Communities Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Fox Communities Credit Union

Frequently Asked Questions About Fox Communities Credit Union

How many branches does Fox Communities Credit Union operate?

Fox Communities 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 Fox Communities Credit Union?

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

Does Fox Communities Credit Union offer online and mobile banking?

Most modern institutions like Fox Communities 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.foxcu.org.

Current Fox Communities Credit Union Rates

12-Month CD3.50%
18-Month CD3.55%
24-Month CD3.55%
60-Month CD3.85%
Savings2.50%
MMA3.75%

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

Compare to Other Credit Unions

Fox Communities Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Fox Communities Credit Union Texas Ratio

Fox Communities Credit Union Health Trend

Fox Communities Credit Union CD Rates

Fox Communities Credit Union Savings Rates

Fox Communities Credit Union Business Savings Rates

Fox Communities Credit Union Money Market Rates

Fox Communities Credit Union Checking Rates

Fox Communities Credit Union Business Checking Rates

Fox Communities Credit Union Mortgage Rates

Fox Communities Credit Union Home Equity & HELOC

Fox Communities Credit Union Auto Loan Rates

Fox Communities Credit Union RV, Boat and Powersport Loan Rates

Fox Communities Credit Union Personal Loan Rates

Fox Communities Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Fox Communities Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Fox Communities Credit Union

How many branches does Fox Communities Credit Union operate?

Is a member application needed to join Fox Communities Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Fox Communities Credit Union offer online and mobile banking?

Current Fox Communities Credit Union Rates

Compare to Other Credit Unions