What are the current interest rates at Golden Circle Credit Union?

Current rates for Golden Circle Credit Union include: 12-Month CD: 0.15%, 18-Month CD: 0.18%, 24-Month CD: 0.20%, 60-Month CD: 0.50%, Savings: 0.02%

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Golden Circle Credit Union Rates & Review October 2026

Q: Is a member application needed to join Golden Circle Credit Union?

Yes, to access services at Golden Circle 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, Golden Circle 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

Golden Circle Credit Union's top rates as of October 9, 2026 are 0.50% APY on its 60 month 5 Year CD, 0.02% APY on savings, personal loans from 9.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Golden Circle Credit Union CD rates include 48 month 4 Year CD at 0.40%, 36 month 3 Year CD at 0.25%, and 24 month 2 Year CD at 0.20%. MonitorBankRates evaluates the financial stability of Golden Circle Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.75%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.75%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Golden Circle Credit Union
Massillon

4118 Lincoln Way E
Massillon, OH 44646-3348

https://www.goldencirclecu.com

Customer Reviews

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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.

Golden Circle Credit Union CD Rates

Product	Rate	APY	Term
60 month 5 Year Certificate	0.50%	0.50%	60 months
Min Deposit $1,000 Details The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
48 month 4 Year Certificate	0.40%	0.40%	48 months
Min Deposit $1,000 Details The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
36 month 3 Year Certificate	0.25%	0.25%	36 months
Min Deposit $1,000 Details The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
24 month 2 Year Certificate	0.20%	0.20%	24 months
Min Deposit $1,000 Details The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
18 Month Certificate	0.18%	0.18%	18 months
Min Deposit $1,000 Details The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
12 month 1 Year Certificate	0.15%	0.15%	12 months
Min Deposit $1,000 Details The rates listed above include a .05% bonus for auto renewal. If auto renewal is not selected, your rate will be .05% less than the above rate. Early withdrawal penalties apply on certificates closed before maturity. For original maturities of less than 1 year, the penalty is 90 days dividends. For original maturities greater than 1 year, the penalty is 180 days dividends. Above terms available for both Non-IRA and IRA Certificates Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Golden Circle Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.02%	0.02%
Min Balance $100 Details Balance: $100 - up; Frequency: Quarterly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Share Savings	0.02%	0.02%
Min Balance $5 Details Balance: $5 - up; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Golden Circle Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans (Purchase or Refinance)	-	-	4.99%
Details Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Golden Circle Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motor Homes, Travel Trailers, Boats, Motorcycles (Offering clear title for other purposes) Loan	-	6.99%
Details Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Motor Homes, Travel Trailers, Boats, Motorcycles (Purchase or Refinance)	-	6.99%
Details Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Golden Circle Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	9.99%
Details Term: No annual fee. Grace period on purchases; Fixed rate as low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Golden Circle Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	9.99%
Details Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Golden Circle Credit Union Other Rates

Product	Rate	Points	APY/APR
Other Collateral (Offering clear title for other purposes) Loan	-	-	7.89%
Details Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Other Collateral (Purchase or Refinance)	-	-	7.89%
Details Term: Contact us for details.; As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Shares	0.02%	-	0.02%
Min Balance $5 Details Balance: $5 - $1999; Monthly fee applies if balance falls below $2,000.00; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Shares	0.05%	-	0.05%
Min Balance $2,000 Details Balance: $2000 - 9999; Monthly fee applies if balance falls below $2,000.00; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Shares	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Monthly fee applies if balance falls below $2,000.00; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Shares	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Monthly fee applies if balance falls below $2,000.00; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Shares	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000 - up; Monthly fee applies if balance falls below $2,000.00; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Gold Yield Shares	0.02%	-	0.02%
Min Balance $5 Details Balance: $5 - $1999; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Gold Yield Shares	0.05%	-	0.05%
Min Balance $2,000 Details Balance: $2000 - $9999; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Gold Yield Shares	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Gold Yield Shares	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Gold Yield Shares	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000 - up; Frequency: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

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

Golden Circle Credit Union’s Texas Ratio rose from 3.44% in Q3 2023 to 5.75% in Q2 2026, so its financial health has held steady at a healthy level 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	$107M	5.75%	5.0	A+
March 31, 2026	$107M	3.21%	5.0	A+
December 31, 2025	$105M	2.69%	5.0	A+
September 30, 2025	$105M	2.20%	5.0	A+
June 30, 2025	$107M	1.55%	5.0	A+
March 31, 2025	$109M	1.42%	5.0	A+
December 31, 2024	$105M	0.42%	5.0	A+
September 30, 2024	$107M	1.20%	5.0	A+
June 30, 2024	$106M	2.34%	5.0	A+
March 31, 2024	$109M	2.45%	5.0	A+
December 31, 2023	$110M	2.63%	5.0	A+
September 30, 2023	$112M	3.44%	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 Golden Circle 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 Golden Circle 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 Golden Circle Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Golden Circle Credit Union

Website https://www.goldencirclecu.com

Address 4118 Lincoln Way E, Massillon, OH 44646-3348

Phone 330-479-3130

Fax 330-479-3132

President William Dixon

CEO Tiffany Chisnall

Full-Time Employees 25

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.75%

Return on Assets (ROA)

0.1485%

Return on Equity (ROE)

0.9502%

Non-Performing Loans Ratio (NPL)

2.24%

Total Assets

107,284,696

Total Amount of Shares and Deposits

91,414,132

Total Shares and Deposits < 1 Year

89,345,301

Total Shares and Deposits 1 3 Years

1,570,831

Total Shares and Deposits > 3 Years

498,000

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

1,866,341

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

1,866,341

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

89,547,791

Total Interest Expense (Sum of items 6 8)

177,694

Share Certificates

123

Number of Accounts for Share Drafts

2,379

IRA KEOGH Accounts

153

Number of Accounts for Regular Shares

7,563

Non Member Deposits

Money Market Shares

277

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

159,362

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)

24,553,443

Total Liabilities

91,511,049

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Golden Circle 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

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Frequently Asked Questions About Golden Circle Credit Union

How many branches does Golden Circle Credit Union operate?

Golden Circle 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 Golden Circle Credit Union?

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

Does Golden Circle Credit Union offer online and mobile banking?

Most modern institutions like Golden Circle 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.goldencirclecu.com.

Current Golden Circle Credit Union Rates

12-Month CD0.15%
18-Month CD0.18%
24-Month CD0.20%
60-Month CD0.50%
Savings0.02%

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

Compare to Other Credit Unions

Golden Circle Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Golden Circle Credit Union Texas Ratio

Golden Circle Credit Union Health Trend

Golden Circle Credit Union CD Rates

Golden Circle Credit Union Savings Rates

Golden Circle Credit Union Auto Loan Rates

Golden Circle Credit Union RV, Boat and Powersport Loan Rates

Golden Circle Credit Union Credit Card Rates

Golden Circle Credit Union Personal Loan Rates

Golden Circle Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Golden Circle Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Golden Circle Credit Union

How many branches does Golden Circle Credit Union operate?

Is a member application needed to join Golden Circle Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Golden Circle Credit Union offer online and mobile banking?

Current Golden Circle Credit Union Rates

Compare to Other Credit Unions