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Fort Randall Federal Credit Union

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Fort Randall Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Fort Randall Federal Credit Union?

Current rates for Fort Randall Federal Credit Union include: 12-Month CD: 1.00%, 18-Month CD: 2.25%, 24-Month CD: 2.52%, Savings: 0.50%

Q: What CD terms does Fort Randall Federal Credit Union offer?

Fort Randall Federal Credit Union CD rates are 2.78% APY for a 3 month CD, 3.80% APY for a 6 month CD, 4.06% APY for a 12 month CD, 2.27% APY for an 18 month CD and 2.52% APY for a 2 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Fort Randall Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Fort Randall Federal Credit Union's 12 Month CD rates are at 4.06%, 6 Month CD rates are at 3.80%, 3 Month CD rates are at 2.78%, 24 Month CD rates are at 2.52%, 18 Month CD rates are at 2.27%. Fort Randall Federal Credit Union's savings rates are at 0.50%. Fort Randall Federal Credit Union's First Mortgage - Fixed Rate/5 yr balloon rates are at 7.00%, First Mortgage - Fixed Rate rates are at 7.50%, First Mortgage - Rixed Rate rates are at 7.50%. Fort Randall Federal Credit Union's Auto Loan Rates are as low as 4.75%. Fort Randall Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Fort Randall Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.71%. Rates last updated and verified on 10/28/2026.

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

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

3.71%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fort Randall Federal Credit Union
Wagner

231 Lake St NW
Wagner, SD 57380

https://www.ftrandallfcu.com

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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.

Fort Randall Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	4.00%	4.06%	12 Months
Min Balance $250 Details Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificate	4.00%	4.06%	12 Months
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Share Certificate	4.00%	4.06%	12 Months
Min Balance $50,000 Details Balance: $50,000.01 and Over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
6 Month Share Certificate	3.75%	3.80%	6 Months
Min Balance $250 Details Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
6 Month Share Certificate	3.75%	3.80%	6 Months
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
6 Month Share Certificate	3.75%	3.80%	6 Months
Min Balance $50,000 Details Balance: $50,000.01 and Over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
3 Month Share Certificate	2.75%	2.78%	3 Months
Min Balance $250 Details Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
3 Month Share Certificate	2.75%	2.78%	3 Months
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
3 Month Share Certificate	2.75%	2.78%	3 Months
Min Balance $50,000 Details Balance: $50,000.01 and Over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificate	2.50%	2.52%	24 Months
Min Balance $250 Details Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificate	2.50%	2.52%	24 Months
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
24 Month Share Certificate	2.50%	2.52%	24 Months
Min Balance $50,000 Details Balance: $50,000.01 and Over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.52% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificate	2.25%	2.27%	18 Months
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificate	2.25%	2.27%	18 Months
Min Balance $50,000 Details Balance: $50,000.01 and Over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
18 Month Share Certificate	2.25%	2.25%	18 Months
Min Balance $250 Details Balance: $250.00 - $10,000.00; $250.00 minimum for ages 18 and younger, $500.00 minimum for ages 19 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
12 Month Savers Certificate	1.00%	1.00%	12 Months
Min Deposit $100 Details $100.00 minimum, 12-month term Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union Savings Rates

Product	Rate	APY
Share IRA	1.00%	1.00%
Min Balance $25 Details Limits: $25.00 and over; Maximum contribution of $250.00 per month; Declared January 28, 2025 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Money Market Savings	0.50%	0.50%
Min Balance $2,500 Details Limits: $2,500 and over; Maximum contribution of $250.00 per month; Declared January 28, 2025 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Share Savings	0.50%	0.50%
Min Balance $25 Details Limits: $25.00 and over; Maximum contribution of $250.00 per month; Declared January 28, 2025 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings	0.50%	0.50%
Min Balance $2,500 Details Limits: $2,500 and over; Maximum contribution of $250.00 per month; Declared January 28, 2025 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage - Fixed Rate/5 yr balloon	-	-	7.00%	5 years
Details 80% Appraisal or 100% Assessed; Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Fixed Rate/5 yr balloon	-	-	7.25%	5 years
Details 80% Appraisal or 100% Assessed; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Fixed Rate	-	-	7.50%	10 Years
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Rixed Rate	-	-	7.50%	15 Years
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Fixed Rate/5 yr balloon	-	-	7.75%	5 years
Details 80% Appraisal or 100% Assessed; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Rixed Rate	-	-	7.75%	15 Years
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Fixed Rate	-	-	8.00%	10 Years
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
First Mortgage - Rixed Rate	-	-	8.25%	15 Years
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - Fixed	-	-	7.75%
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Equity Line of Credit - Fixed	-	-	8.00%
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Equity Line of Credit - Fixed	-	-	8.50%
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2021 New	-	-	4.75%	Up To 36 Months
Details Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	4.75%	48 Months
Details Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	4.75%	60 Months
Details Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	5.75%	Up To 36 Months
Details Model Year: 2021 - NEW; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	5.75%	48 Months
Details Model Year: 2021 - NEW; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	5.75%	60 Months
Details Model Year: 2021 - NEW; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	5.75%	72 Months
Details Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	6.75%	Up To 36 Months
Details Model Year: 2014 - 2020; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	6.75%	48 Months
Details Model Year: 2014 - 2020; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	6.75%	60 Months
Details Model Year: 2014 - 2020; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	6.75%	72 Months
Details Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	6.75%	84 Months
Details Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	7.75%	Up To 36 Months
Details Model Year: 2014 - 2020; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	7.75%	48 Months
Details Model Year: 2014 - 2020; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	7.75%	60 Months
Details Model Year: 2014 - 2020; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	7.75%	84 Months
Details Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	7.75%	Up To 36 Months
Details Model Year: 2021 - NEW; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	7.75%	48 Months
Details Model Year: 2021 - NEW; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	7.75%	60 Months
Details Model Year: 2021 - NEW; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	8.75%	72 Months
Details Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	9.75%	Up To 36 Months
Details Model Year: 2013 and Older; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	9.75%	Up To 36 Months
Details Model Year: 2014 - 2020; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	9.75%	48 Months
Details Model Year: 2014 - 2020; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	9.75%	60 Months
Details Model Year: 2014 - 2020; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	9.75%	84 Months
Details Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	10.25%	Up To 36 Months
Details Model Year: 2013 and Older; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	10.25%	48 Months
Details Model Year: 2013 and Older; Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	10.75%	48 Months
Details Model Year: 2013 and Older; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	11.00%	Up To 36 Months
Details Model Year: 2021 - NEW; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	11.25%	48 Months
Details Model Year: 2021 - NEW; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	11.50%	60 Months
Details Model Year: 2021 - NEW; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	12.25%	Up To 36 Months
Details Model Year: 2013 and Older; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	12.50%	72 Months
Details Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	12.75%	48 Months
Details Model Year: 2013 and Older; Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	13.00%	Up To 36 Months
Details Model Year: 2014 - 2020; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	13.50%	48 Months
Details Model Year: 2014 - 2020; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	13.50%	84 Months
Details Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	14.00%	60 Months
Details Model Year: 2014 - 2020; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	15.00%	Up To 36 Months
Details Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	15.25%	Up To 36 Months
Details Model Year: 2013 and Older; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	15.25%	48 Months
Details Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	15.50%	60 Months
Details Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	15.75%	48 Months
Details Model Year: 2013 and Older; Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	16.50%	72 Months
Details Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 16.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	17.00%	Up To 36 Months
Details Model Year: 2014 - 2020; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	17.50%	48 Months
Details Model Year: 2014 - 2020; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2021 New	-	-	17.50%	84 Months
Details Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 17.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	18.00%	Up To 36 Months
Details Model Year: 2013 and Older; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2013 and Older	-	-	18.00%	48 Months
Details Model Year: 2013 and Older; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Auto Loan - 2014-2020	-	-	18.00%	60 Months
Details Model Year: 2014 - 2020; Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	6.00%	36 Months
Details Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	6.50%	36 Months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	6.50%	48 Months
Details Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	7.00%	48 Months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	7.00%	60 Months
Details Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	7.50%	60 Months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	8.25%
Details Condition: 72 Months: $20,000+. Credit Tier: Platinum (750 - Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	8.50%	36 Months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	8.75%
Details Condition: 72 Months: $20,000+. Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	9.00%	48 Months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	9.50%	60 Months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	10.75%
Details Condition: 72 Months: $20,000+. Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 10.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	11.50%	36 Months
Details Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	12.00%	48 Months
Details Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	12.50%	60 Months
Details Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	13.75%
Details Condition: 72 Months: $20,000+. Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	15.50%	36 Months
Details Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 15.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	16.00%	48 Months
Details Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 16.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	16.50%	60 Months
Details Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 16.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Recreational Vehicle Loan	-	17.75%
Details Condition: 72 Months: $20,000+. Credit Tier: Rebuilder (599-Under) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 17.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

Fort Randall Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loan	-	-	9.25%
Details Construction/Real Estate: 80% appraisal; Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Construction Loan	-	-	9.75%
Details Construction/Real Estate: 80% appraisal; Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	10.50%	12 months
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	11.00%	12 months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	13.00%	12 months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 13.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	15.50%	12 months
Details Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 15.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	18.00%	12 months
Details Credit Tier: Rebuilder (599 & Below) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	11.00%	24 months
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	11.50%	24 months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	13.50%	24 months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 13.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	15.50%	24 months
Details Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 15.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	18.00%	24 months
Details Credit Tier: Rebuilder (599 & Below) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	11.50%	36 months
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	12.00%	36 months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	14.00%	36 months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 14.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	16.00%	36 months
Details Credit Tier: Builder (600-649) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 16.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	18.00%	36 months
Details Credit Tier: Rebuilder (599 & Below) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	12.00%	48 months
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	12.50%	48 months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	14.50%	48 months
Details Credit Tier: Valued (650-699) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 14.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	12.50%	60 months
Details Credit Tier: Platinum (750 & Above) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%
Home Improvement Loan	-	-	13.00%	60 months
Details Credit Tier: Premier (700-749) Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 13.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.71%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Fort Randall Federal Credit Union’s Texas Ratio stayed near 3.23% in Q3 2023 to 3.71% 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	$44M	3.71%	5.0	A+
March 31, 2026	$45M	3.26%	5.0	A+
December 31, 2025	$45M	3.24%	5.0	A+
September 30, 2025	$43M	1.28%	5.0	A+
June 30, 2025	$42M	0.64%	5.0	A+
March 31, 2025	$43M	2.77%	5.0	A+
December 31, 2024	$43M	3.24%	5.0	A+
September 30, 2024	$42M	3.14%	5.0	A+
June 30, 2024	$40M	3.23%	5.0	A+
March 31, 2024	$40M	2.51%	5.0	A+
December 31, 2023	$40M	2.73%	5.0	A+
September 30, 2023	$35M	3.23%	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 Fort Randall Federal 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 Fort Randall Federal 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 Fort Randall Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fort Randall Federal Credit Union

Website https://www.ftrandallfcu.com

Address 231 Lake St NW, Wagner, SD 57380

Phone 605-384-5332

Fax 605-384-5336

President Darrell Pepper

CEO Julie Thomson

Full-Time Employees 9

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

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

3.71%

Return on Assets (ROA)

0.5191%

Return on Equity (ROE)

2.9627%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

44,173,123

Total Amount of Shares and Deposits

36,394,419

Total Shares and Deposits < 1 Year

35,722,712

Total Shares and Deposits 1 3 Years

671,707

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

139,774

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

139,774

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

36,254,645

Total Interest Expense (Sum of items 6 8)

173,003

Share Certificates

421

Number of Accounts for Share Drafts

2,573

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,842

Money Market Shares

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

34,526

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)

2,042,485

Total Liabilities

36,433,878

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Fort Randall Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Fort Randall Federal Credit Union

Does Fort Randall Federal Credit Union offer CDs?

Yes. Fort Randall Federal Credit Union current CD rates include its 12 Month CD at 4.06% APY, its 6 Month CD at 3.80% APY and its 3 Month CD at 2.78% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Fort Randall Federal Credit Union NCUA insured?

Yes. Fort Randall Federal 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 Fort Randall Federal Credit Union?

The highest Fort Randall Federal Credit Union CD rate is its 12 Month CD at 4.06% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Fort Randall Federal Credit Union offer?

Fort Randall Federal Credit Union CD rates are 2.78% APY for a 3 month CD, 3.80% APY for a 6 month CD, 4.06% APY for a 12 month CD, 2.27% APY for an 18 month CD and 2.52% APY for a 2 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Fort Randall Federal Credit Union for its full lineup.

What is the highest savings rate at Fort Randall Federal Credit Union?

The highest Fort Randall Federal Credit Union savings rate is its Savings at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Fort Randall Federal Credit Union?

The highest Fort Randall Federal Credit Union money market rate is its Money Market Savings at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at Fort Randall Federal Credit Union?

The lowest Fort Randall Federal Credit Union mortgage rate is its First Mortgage - Fixed Rate/5 yr balloon at 7.00% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Fort Randall Federal Credit Union?

The lowest Fort Randall Federal Credit Union auto loan rate is its Auto Loan - 2021 New at 4.75% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Fort Randall Federal Credit Union operate?

Fort Randall Federal 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 Fort Randall Federal Credit Union?

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

Does Fort Randall Federal Credit Union offer online and mobile banking?

Most modern institutions like Fort Randall Federal 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.ftrandallfcu.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 Fort Randall Federal Credit Union rates compare?

Fort Randall Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Fort Randall Federal Credit Union's top rates are its 12 Month CD at 4.06% APY, its Money Market Savings at 0.50% APY, its First Mortgage - Fixed Rate/5 yr balloon at 7.00% and its Auto Loan - 2021 New at 4.75% APR, verified by MonitorBankRates on October 28, 2026.

Current Fort Randall Federal Credit Union Rates

12-Month CD1.00%
18-Month CD2.25%
24-Month CD2.52%
Savings0.50%

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

Compare to Other Credit Unions

Fort Randall Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Fort Randall Federal Credit Union Texas Ratio

Fort Randall Federal Credit Union Health Trend

Fort Randall Federal Credit Union CD Rates

Fort Randall Federal Credit Union Savings Rates

Fort Randall Federal Credit Union Money Market Rates

Fort Randall Federal Credit Union Mortgage Rates

Fort Randall Federal Credit Union Home Equity & HELOC

Fort Randall Federal Credit Union Auto Loan Rates

Fort Randall Federal Credit Union RV, Boat and Powersport Loan Rates

Fort Randall Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Fort Randall Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Fort Randall Federal Credit Union

Does Fort Randall Federal Credit Union offer CDs?

Are CDs from Fort Randall Federal Credit Union NCUA insured?

What is the highest CD rate at Fort Randall Federal Credit Union?

What CD terms does Fort Randall Federal Credit Union offer?

What is the highest savings rate at Fort Randall Federal Credit Union?

What is the highest money market rate at Fort Randall Federal Credit Union?

What is the lowest mortgage rate at Fort Randall Federal Credit Union?

What is the lowest auto loan rate at Fort Randall Federal Credit Union?

How many branches does Fort Randall Federal Credit Union operate?

Is a member application needed to join Fort Randall Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Fort Randall Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Fort Randall Federal Credit Union rates compare?

Current Fort Randall Federal Credit Union Rates

Compare to Other Credit Unions