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Greater Chautauqua Credit Union

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Greater Chautauqua Credit Union Rates & Review November 2026

Q: What are the current interest rates at Greater Chautauqua Credit Union?

Current rates for Greater Chautauqua Credit Union include: 12-Month CD: 3.39%, 18-Month CD: 3.49%, 24-Month CD: 3.70%, 60-Month CD: 3.80%, Savings: 0.05%, MMA: 2.12%

Q: What CD terms does Greater Chautauqua Credit Union offer?

Greater Chautauqua Credit Union CD rates are 3.495% APY for a 12 month CD, 3.492% APY for an 18 month CD, 3.70% APY for a 2 year CD, 3.752% APY for a 3 year CD and 3.803% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Chautauqua Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Greater Chautauqua Credit Union's CD - 60 month rates are at 3.80%, CD - 36 month rates are at 3.75%, CD - 24 month rates are at 3.70%, CD - 12 month rates are at 3.50%, CD - 18 month rates are at 3.49%. Greater Chautauqua Credit Union's savings rates are at 0.05%. Greater Chautauqua Credit Union's money market rates are at 2.12%. Greater Chautauqua Credit Union's Auto Loan Rates are as low as 6.45%. Greater Chautauqua Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Greater Chautauqua Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.21%. Rates last updated and verified on 10/30/2026.

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

3.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greater Chautauqua Credit Union
Greater Chautauqua FCU

51 E Main St
Falconer, NY 14733-1336

http://www.greatercfcu.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.

Greater Chautauqua Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate 60 month	3.80%	3.855%	60 Months
Min Deposit $1,000 Details Dividends compounded daily and posted quarterly; early withdrawal penalty may apply Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 3.86% → 3.86% ▼ 0.00 pts · high 3.86% / low 3.85% Oct 30, 20263.86%▼ from 3.86% Oct 26, 20263.86%▼ from 3.86% Oct 19, 20263.86%▲ from 3.85% Oct 1, 20263.85%▼ from 3.86% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
IRA Certificate 36 month	3.75%	3.803%	36 Months
Min Deposit $1,000 Details Dividends compounded daily and posted quarterly; early withdrawal penalty may apply Last Updated 10/30/2026 Rate History 8 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.75% Oct 30, 20263.80%▼ from 3.80% Oct 26, 20263.80%▼ from 3.80% Oct 19, 20263.80%▲ from 3.75% Oct 14, 20263.75%▼ from 3.80% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Share Certificate - 60 month	3.75%	3.803%	60 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 3.80% / low 3.80% Oct 30, 20263.80%▼ from 3.80% Oct 26, 20263.80%▼ from 3.80% Oct 19, 20263.80%▲ from 3.80% Oct 1, 20263.80%▼ from 3.80% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Share Certificate - 36 month	3.70%	3.752%	36 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 3.75% / low 3.75% Oct 30, 20263.75%▼ from 3.75% Oct 26, 20263.75%▼ from 3.75% Oct 19, 20263.75%▲ from 3.75% Oct 1, 20263.75%▼ from 3.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Share Certificate - 24 month	3.65%	3.70%	24 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
IRA Certificate 15 month	3.55%	3.60%	15 Months
Min Deposit $1,000 Details Dividends compounded daily and posted quarterly; early withdrawal penalty may apply Last Updated 10/30/2026 Rate History 6 changes since Sep 14, 2026 · 3.60% → 3.60% ▼ 0.00 pts · high 3.60% / low 3.60% Oct 30, 20263.60%▼ from 3.60% Oct 26, 20263.60%▼ from 3.60% Oct 19, 20263.60%▼ from 3.60% Sep 27, 20263.60%▼ from 3.60% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Share Certificate - 12 month	3.45%	3.495%	12 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 3.50% Oct 19, 20263.50%▼ from 3.50% Oct 1, 20263.50%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Share Certificate - 18 month	3.45%	3.492%	18 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 3.49% → 3.49% ▼ 0.00 pts · high 3.49% / low 3.49% Oct 30, 20263.49%▼ from 3.49% Oct 26, 20263.49%▼ from 3.49% Oct 19, 20263.49%▲ from 3.49% Oct 1, 20263.49%▼ from 3.49% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Share Certificate - 6 month	3.40%	3.434%	6 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 7 changes since Sep 14, 2026 · 3.43% → 3.43% ▼ 0.00 pts · high 3.43% / low 3.43% Oct 30, 20263.43%▼ from 3.43% Oct 26, 20263.43%▼ from 3.43% Oct 19, 20263.43%▲ from 3.43% Oct 1, 20263.43%▼ from 3.43% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Lucky Savers Account (12 Month Term)	3.35%	3.392%	12 Month
Min Deposit $25 Details Maximum opening deposit $10,000; subsequent deposits allowed up to $500 per month Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 3.39% → 3.39% ▼ 0.00 pts · high 3.39% / low 3.39% Oct 19, 20263.39%▲ from 3.39% Oct 14, 20263.39%▼ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union Savings Rates

Product	Rate	APY
Billy's Club	1.50%	1.51%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Teen Club	1.50%	1.51%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
IRA Shares	1.10%	1.106%
Min Deposit $100 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Club Accounts	1.00%	1.005%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Regular Share Savings Account	0.05%	0.05%
Min Balance $100 Details Balance: $100+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Youth Savings Account	0.05%	0.05%
Min Balance $100 Details Balance: $100+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Regular Share Savings Account	0.00%	0.00%
Min Balance $0 Details Balance: $0.01 - $99.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.10%	2.12%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Account	1.90%	1.917%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Account	1.75%	1.764%
Min Balance $2,500 Details Balance: $2,500.00 - $10,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity First Mortgages	-	-	5.35%	61 to 120 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.35% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Home Equity First Mortgages	-	-	5.55%	121 to 180 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.55% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Home Equity First Mortgages	-	-	5.75%	181 to 240 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Home Equity Second Mortgages	-	-	5.75%	61 to 120 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Home Equity Second Mortgages	-	-	6.05%	121 to 180 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.05% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos (2 Years and Newer)	-	-	4.15%	up to 36 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.15% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
New Autos (2 Years and Newer)	-	-	4.60%	37 to 48 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.60% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Used Autos (3 Years and Older) - up to 36 Months	-	-	5.15%	up to 36 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
New Autos (2 Years and Newer)	-	-	5.20%	49 to 60 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.20% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
New Autos (2 Years and Newer)	-	-	5.60%	61 to 72 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.60% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Used Autos (3 Years and Older) - 37 to 48 Months	-	-	5.60%	37 to 48 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
New Autos (2 Years and Newer)	-	-	5.95%	73 to 84 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.95% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Used Autos (3 Years and Older) - 49 to 60 Months	-	-	6.20%	49 to 60 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Auto / Collateral	-	-	6.45%	25 to 36 Months
Details As Low As; Borrow $5,000 and under. Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Used Autos (3 Years and Older) - 61 to 72 Months	-	-	6.60%	61 to 72 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Auto / Collateral	-	-	6.95%	37 to 48 Months
Details As Low As; Borrow $5,000 and under. Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Used Autos (3 Years and Older) - 73 to 84 Months	-	-	6.95%	73 to 84 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Auto / Collateral	-	-	7.45%	46 to 60 Months
Details As Low As; Borrow $5,000 and under. Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles and Classic/Collectibles Loan	-	5.15%	up to 36 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.15% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Motorcycles and Classic/Collectibles Loan	-	5.60%	37 to 48 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Recreational Vehicles & Other Collateral Loan	-	5.95%	up to 36 Months
Details As Low As; Borrow from $5,000 up to $49,999. Boats, Motor Homes, Snowmobiles, ATV's, Personal Watercraft, Travel Trailers, Dump Trucks, Farm Equipment, Tractors & More! Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Motorcycles and Classic/Collectibles Loan	-	6.20%	49 to 60 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.20% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Recreational Vehicles & Other Collateral Loan	-	6.50%	37 to 60 Months
Details As Low As; Borrow from $5,000 up to $49,999. Boats, Motor Homes, Snowmobiles, ATV's, Personal Watercraft, Travel Trailers, Dump Trucks, Farm Equipment, Tractors & More! Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Motorcycles and Classic/Collectibles Loan	-	6.60%	61 to 72 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Recreational Vehicles & Other Collateral Loan	-	6.75%	61 to 84 Months
Details As Low As; Borrow from $5,000 up to $49,999. Boats, Motor Homes, Snowmobiles, ATV's, Personal Watercraft, Travel Trailers, Dump Trucks, Farm Equipment, Tractors & More! Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Motorcycles and Classic/Collectibles Loan	-	6.95%	73 to 84 Months
Details As Low As; Borrow a minimum of $5,000 and up; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Recreational Vehicles & Other Collateral Loan	-	6.95%	85 to 120 Months
Details As Low As; Borrow from $5,000 up to $49,999. Boats, Motor Homes, Snowmobiles, ATV's, Personal Watercraft, Travel Trailers, Dump Trucks, Farm Equipment, Tractors & More! Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Recreational Vehicles & Other Collateral Loan	-	7.45%	121 to 180 Months
Details As Low As; Borrow from $5,000 up to $49,999. Boats, Motor Homes, Snowmobiles, ATV's, Personal Watercraft, Travel Trailers, Dump Trucks, Farm Equipment, Tractors & More! Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union Personal Loan Rates

Product	APR	Term
Signature Auto / Collateral	6.45%	25 to 36 Months
Details As Low As; Borrow $5,000 and under. Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Auto / Collateral	6.95%	37 to 48 Months
Details As Low As; Borrow $5,000 and under. Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Auto / Collateral	7.45%	46 to 60 Months
Details As Low As; Borrow $5,000 and under. Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Loans	7.45%	up to 36 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Loans	7.95%	37 to 48 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Signature Loans	8.45%	49 to 60 Months
Details As Low As; Rates are based on borrower's credit history and length of the loan. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.45% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

Greater Chautauqua Credit Union Other Rates

Product	Rate	Points	APY/APR
Mobile Home Loans (New - 3 Years Old)	-	-	6.20%
Details As Low As; Terms available up to 180 months depending on year of the home Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Mobile Home Loans (Over 3 Years Old)	-	-	6.70%
Details As Low As; Terms available up to 180 months depending on year of the home Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Revolving Loans	-	-	10.95%
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%
Teen Certificate	4.50%	-	4.577%
Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.58% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.21%

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

Greater Chautauqua Credit Union’s Texas Ratio stayed near 3.43% in Q3 2023 to 3.21% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$102M	3.21%	5.0	A+
March 31, 2026	$101M	3.23%	5.0	A+
December 31, 2025	$100M	4.08%	5.0	A+
September 30, 2025	$98M	4.12%	5.0	A+
June 30, 2025	$97M	4.80%	5.0	A+
March 31, 2025	$99M	4.93%	5.0	A+
December 31, 2024	$96M	5.63%	5.0	A+
September 30, 2024	$95M	5.54%	5.0	A+
June 30, 2024	$95M	4.70%	5.0	A+
March 31, 2024	$95M	5.00%	5.0	A+
December 31, 2023	$92M	6.77%	5.0	A
September 30, 2023	$92M	3.43%	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 Greater Chautauqua 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 Greater Chautauqua 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 Greater Chautauqua Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Chautauqua Credit Union

Website http://www.greatercfcu.com

Address 51 E Main St, Falconer, NY 14733-1336

Phone 716-665-3799

Fax 716-665-1191

President Kelly Rhinehart

CEO Kelly Haaksma

Full-Time Employees 31

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+ (98/100)

Texas Ratio

3.21%

Return on Assets (ROA)

0.5031%

Return on Equity (ROE)

4.4197%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

102,276,242

Total Amount of Shares and Deposits

90,470,296

Total Shares and Deposits < 1 Year

84,242,874

Total Shares and Deposits 1 3 Years

5,396,092

Total Shares and Deposits > 3 Years

831,330

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

1,233,940

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

1,233,940

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

89,236,356

Total Interest Expense (Sum of items 6 8)

571,725

Share Certificates

1,160

Number of Accounts for Share Drafts

6,378

IRA KEOGH Accounts

342

Number of Accounts for Regular Shares

11,973

All other shares

Money Market Shares

206

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)

11,505,723

Total Liabilities

90,634,884

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Greater Chautauqua Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Greater Chautauqua Credit Union

Does Greater Chautauqua Credit Union offer CDs?

Yes. Greater Chautauqua Credit Union current CD rates include its CD - 60 month at 3.803% APY, its CD - 36 month at 3.752% APY and its CD - 24 month at 3.70% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Greater Chautauqua Credit Union NCUA insured?

Yes. Greater Chautauqua 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 Greater Chautauqua Credit Union?

The highest Greater Chautauqua Credit Union CD rate is its IRA CD 60 month at 3.855% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Greater Chautauqua Credit Union offer?

Greater Chautauqua Credit Union CD rates are 3.495% APY for a 12 month CD, 3.492% APY for an 18 month CD, 3.70% APY for a 2 year CD, 3.752% APY for a 3 year CD and 3.803% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Chautauqua Credit Union for its full lineup.

What is the highest savings rate at Greater Chautauqua Credit Union?

The highest Greater Chautauqua Credit Union savings rate is its Regular Savings Account at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Greater Chautauqua Credit Union?

The highest Greater Chautauqua Credit Union money market rate is its Money Market Account at 2.12% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Greater Chautauqua Credit Union?

The lowest Greater Chautauqua Credit Union auto loan rate is its New Autos (2 Years and Newer) at 4.15% APR, verified by MonitorBankRates as of October 30, 2026. Greater Chautauqua Credit Union auto loan rates are 4.15% APR for a 24 month auto loan, 5.60% APR for a 48 month auto loan, 6.20% APR for a 60 month auto loan, 6.60% APR for a 72 month auto loan and 6.95% APR for an 84 month auto loan.

What is the lowest personal loan rate at Greater Chautauqua Credit Union?

The lowest Greater Chautauqua Credit Union personal loan rate is its Signature Auto / Collateral at 6.45% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Greater Chautauqua Credit Union operate?

Greater Chautauqua 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 Greater Chautauqua Credit Union?

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

Does Greater Chautauqua Credit Union offer online and mobile banking?

Most modern institutions like Greater Chautauqua 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: http://www.greatercfcu.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 Greater Chautauqua Credit Union rates compare?

Greater Chautauqua Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. Greater Chautauqua Credit Union's top rates are its IRA CD 60 month at 3.855% APY, its Regular Savings Account at 0.05% APY, its Money Market Account at 2.12% APY and its Signature Auto / Collateral at 6.45% APR, verified by MonitorBankRates on October 30, 2026.

Current Greater Chautauqua Credit Union Rates

12-Month CD3.39%
18-Month CD3.49%
24-Month CD3.70%
60-Month CD3.80%
Savings0.05%
MMA2.12%

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

Compare to Other Credit Unions

Greater Chautauqua Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greater Chautauqua Credit Union Texas Ratio

Greater Chautauqua Credit Union Health Trend

Greater Chautauqua Credit Union CD Rates

Greater Chautauqua Credit Union Savings Rates

Greater Chautauqua Credit Union Money Market Rates

Greater Chautauqua Credit Union Home Equity & HELOC

Greater Chautauqua Credit Union Auto Loan Rates

Greater Chautauqua Credit Union RV, Boat and Powersport Loan Rates

Greater Chautauqua Credit Union Personal Loan Rates

Greater Chautauqua Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Greater Chautauqua Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greater Chautauqua Credit Union

Does Greater Chautauqua Credit Union offer CDs?

Are CDs from Greater Chautauqua Credit Union NCUA insured?

What is the highest CD rate at Greater Chautauqua Credit Union?

What CD terms does Greater Chautauqua Credit Union offer?

What is the highest savings rate at Greater Chautauqua Credit Union?

What is the highest money market rate at Greater Chautauqua Credit Union?

What is the lowest auto loan rate at Greater Chautauqua Credit Union?

What is the lowest personal loan rate at Greater Chautauqua Credit Union?

How many branches does Greater Chautauqua Credit Union operate?

Is a member application needed to join Greater Chautauqua Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Greater Chautauqua 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 Greater Chautauqua Credit Union rates compare?

Current Greater Chautauqua Credit Union Rates

Compare to Other Credit Unions