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Greater Woodlawn Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Greater Woodlawn Federal Credit Union's 24-Month Term CD rates are at 3.00%, 18-Month Term CD rates are at 2.95%, 12-Month Term CD rates are at 2.75%, 6-Month Term CD rates are at 2.10%, 24-Month IRA CD rates are at 3.00%. Greater Woodlawn Federal Credit Union's savings rates are at 0.35%. Greater Woodlawn Federal Credit Union's Personal Loan Rates are as low as 6.50%. Greater Woodlawn Federal Credit Union's Credit Card Rates are at 8.99%. Greater Woodlawn Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Greater Woodlawn Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates last updated and verified on 10/29/2026.
Greater Woodlawn 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 Greater Woodlawn Federal Credit Union? Share your experience about Greater Woodlawn Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Greater Woodlawn Federal Credit Union.
Greater Woodlawn Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Greater Woodlawn Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
0.20%
ExcellentLower than avg
Greater Woodlawn Federal Credit Union Texas Ratio
Greater Woodlawn Federal Credit Union's Texas Ratio is 0.20%, which is considered excellent and is lower than the national average of 6.13%.
Greater Woodlawn Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Greater Woodlawn Federal Credit Union Health Trend
0.06% to 0.20% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Greater Woodlawn Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
24-Month IRA Certificate
3.00%
3.00%
24 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
24-Month Term Share Certificate
3.00%
3.00%
24 months
Min Deposit$2,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
18-Month IRA Certificate
2.95%
2.95%
18 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
18-Month Term Share Certificate
2.95%
2.95%
18 months
Min Deposit$2,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
12-Month IRA Certificate
2.75%
2.75%
12 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
12-Month Term Share Certificate
2.75%
2.75%
12 months
Min Deposit$2,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
6-Month IRA Certificate
2.10%
2.10%
6 months
Min Deposit$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
6-Month Term Share Certificate
2.10%
2.10%
6 months
Min Deposit$2,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
0.35%
0.35%
DetailsSave for Retirement
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Shares
0.35%
0.35%
Min Balance$1,000
DetailsMinimum Balance of $1,000 Required to Earn Dividends; Fees could reduce account dividend earnings
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity
-
-
6.50%
15 Years
DetailsAs Low As; Loan Amount: $40,001 - $100,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.95% → 6.50% ▲ 0.55 pts · high 6.50% / low 5.95%
Oct 2, 20266.50%▲ from 5.95%
Sep 14, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Autos - 24 Months
-
-
3.75%
24 Months
DetailsAs Low As; $100,000 Max; 100% of Invoice Including Sales Tax on New Vehicles; 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 23, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Autos - 36 Months
-
-
3.75%
36 Months
DetailsAs Low As; $100,000 Max; 100% of Invoice Including Sales Tax on New Vehicles; 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 23, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Autos - 48 Months
-
-
3.75%
48 Months
DetailsAs Low As; $100,000 Max; 100% of Invoice Including Sales Tax on New Vehicles; 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 23, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Autos - 60 Months
-
-
3.75%
60 Months
DetailsAs Low As; $100,000 Max; 100% of Invoice Including Sales Tax on New Vehicles; 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 23, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Autos - 72 Months
-
-
4.75%
72 Months
DetailsAs Low As; $100,000 Max; 100% of Invoice Including Sales Tax on New Vehicles; 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Last Updated10/29/2026
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: 0.20%
New & Used Autos - 84 Months
-
-
5.00%
84 Months
DetailsAs Low As; $100,000 Max; 100% of Invoice Including Sales Tax on New Vehicles; 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New & Used Motorcycles Loan
-
5.75%
24 Months
DetailsAs Low As; 72 Months Maximum Term - 10 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Oct 5, 20265.75%▲ from 5.50%
Sep 17, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Motorcycles Loan
-
5.75%
36 Months
DetailsAs Low As; 72 Months Maximum Term - 10 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Oct 5, 20265.75%▲ from 5.50%
Sep 17, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Motorcycles Loan
-
5.75%
48 Months
DetailsAs Low As; 72 Months Maximum Term - 10 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Oct 5, 20265.75%▲ from 5.50%
Sep 17, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Motorcycles Loan
-
5.75%
60 Months
DetailsAs Low As; 72 Months Maximum Term - 10 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Oct 5, 20265.75%▲ from 5.50%
Sep 17, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Motorcycles Loan
-
5.75%
72 Months
DetailsAs Low As; 72 Months Maximum Term - 10 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
Oct 5, 20265.75%▲ from 5.50%
Sep 17, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Boats Loan
-
6.50%
24 Months
DetailsAs Low As; $100,000 Maximum; 15 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00%
Oct 5, 20266.50%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Boats Loan
-
6.50%
48 Months
DetailsAs Low As; $100,000 Maximum; 15 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00%
Oct 5, 20266.50%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Boats Loan
-
6.50%
72 Months
DetailsAs Low As; $100,000 Maximum; 15 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00%
Oct 5, 20266.50%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New Recreational Vehicles Loan
-
6.75%
24 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - 72 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 5, 20266.75%▲ from 6.50%
Sep 17, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New Recreational Vehicles Loan
-
6.75%
36 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - 72 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 5, 20266.75%▲ from 6.50%
Sep 17, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New Recreational Vehicles Loan
-
6.75%
48 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - 72 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 5, 20266.75%▲ from 6.50%
Sep 17, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New Recreational Vehicles Loan
-
6.75%
60 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - 72 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 5, 20266.75%▲ from 6.50%
Sep 17, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New Recreational Vehicles Loan
-
6.75%
72 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - 72 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Oct 5, 20266.75%▲ from 6.50%
Sep 17, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Motorhomes & RV Campers Loan - 120 Months
-
6.95%
120 Months
DetailsAs Low As; $15,000 - $80,000 Max; 144 Months Maximum Term; 90% of Value with 10% Down Payment or Equivalent Trade-In
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Motorhomes & RV Campers Loan - 144 Months
-
6.95%
144 Months
DetailsAs Low As; $15,000 - $80,000 Max; 144 Months Maximum Term; 90% of Value with 10% Down Payment or Equivalent Trade-In
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Motorhomes & RV Campers Loan - 24 Months
-
6.95%
24 Months
DetailsAs Low As; $15,000 - $80,000 Max; 144 Months Maximum Term; 90% of Value with 10% Down Payment or Equivalent Trade-In
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Motorhomes & RV Campers Loan - 48 Months
-
6.95%
48 Months
DetailsAs Low As; $15,000 - $80,000 Max; 144 Months Maximum Term; 90% of Value with 10% Down Payment or Equivalent Trade-In
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Motorhomes & RV Campers Loan - 72 Months
-
6.95%
72 Months
DetailsAs Low As; $15,000 - $80,000 Max; 144 Months Maximum Term; 90% of Value with 10% Down Payment or Equivalent Trade-In
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Motorhomes & RV Campers Loan - 96 Months
-
6.95%
96 Months
DetailsAs Low As; $15,000 - $80,000 Max; 144 Months Maximum Term; 90% of Value with 10% Down Payment or Equivalent Trade-In
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.95% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Boats Loan
-
7.25%
96 Months
DetailsAs Low As; $100,000 Maximum; 15 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
Oct 5, 20267.25%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
New & Used Boats Loan
-
7.50%
120 Months
DetailsAs Low As; $100,000 Maximum; 15 Years Old or Newer
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.95% → 7.50% ▲ 0.55 pts · high 7.50% / low 6.95%
Oct 5, 20267.50%▲ from 6.95%
Sep 14, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Used Recreational Vehicles Loan
-
9.00%
24 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - $25,000 Max - 48 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
Oct 5, 20269.00%▲ from 8.75%
Sep 17, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Used Recreational Vehicles Loan
-
9.00%
36 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - $25,000 Max - 48 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
Oct 5, 20269.00%▲ from 8.75%
Sep 17, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Used Recreational Vehicles Loan
-
9.00%
48 Months
DetailsAs Low As; Jet Skis, Snowmobiles, ATVs, Tractors - $25,000 Max - 48 Months Max Term
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
Oct 5, 20269.00%▲ from 8.75%
Sep 17, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Mastercard - Non-Variable Rate
-
8.99%
DetailsAs Low As; Maximum: $25,000
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Secured Mastercard
-
10.99%
DetailsAPR* As Low As; Non-Variable Rate; Limit $250 - $5,000 secured by share pledge
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union Personal Loan Rates
No change since Oct 5, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Personal Loans (Closed End)
12.95%
48 Months Max
DetailsCredit Score: 550-599; Rating: D; $30,000 Max
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 12.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Personal Loans (Closed End)
13.95%
48 Months Max
DetailsCredit Score: Under 550; Rating: E; $30,000 Max
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 13.95% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Greater Woodlawn Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Christmas Loan Special
-
-
3.99%
24 months
DetailsAs Low As; Up to $4,000; Christmas Loan Special
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.05%
-
6.05%
10+ - 15 Years
DetailsLTV: 80% & Below; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.05% ▲ 0.05 pts · high 6.05% / low 6.00%
Oct 5, 20266.05%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.05%
-
6.05%
15+ - 20 Years
DetailsLTV: 80% & Below; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.05% ▲ 0.05 pts · high 6.05% / low 6.00%
Oct 5, 20266.05%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.05%
-
6.05%
20+ - 25 Years
DetailsLTV: 80% & Below; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.05% ▲ 0.05 pts · high 6.05% / low 6.00%
Oct 5, 20266.05%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.05%
-
6.05%
25+ - 30 Years
DetailsLTV: 80% & Below; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.05% ▲ 0.05 pts · high 6.05% / low 6.00%
Oct 5, 20266.05%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.15%
-
6.15%
10+ - 15 Years
DetailsLTV: 80.01% - 85%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.15% ▲ 0.15 pts · high 6.15% / low 6.00%
Oct 5, 20266.15%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.15%
-
6.15%
15+ - 20 Years
DetailsLTV: 80.01% - 85%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.15% ▲ 0.15 pts · high 6.15% / low 6.00%
Oct 5, 20266.15%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.15%
-
6.15%
20+ - 25 Years
DetailsLTV: 80.01% - 85%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.15% ▲ 0.15 pts · high 6.15% / low 6.00%
Oct 5, 20266.15%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.15%
-
6.15%
25+ - 30 Years
DetailsLTV: 80.01% - 85%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.15% ▲ 0.15 pts · high 6.15% / low 6.00%
Oct 5, 20266.15%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.20%
-
6.20%
10+ - 15 Years
DetailsLTV: 85.01% - 90%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.20% ▲ 0.20 pts · high 6.20% / low 6.00%
Oct 5, 20266.20%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.20%
-
6.20%
15+ - 20 Years
DetailsLTV: 85.01% - 90%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.20% ▲ 0.20 pts · high 6.20% / low 6.00%
Oct 5, 20266.20%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.20%
-
6.20%
20+ - 25 Years
DetailsLTV: 85.01% - 90%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.20% ▲ 0.20 pts · high 6.20% / low 6.00%
Oct 5, 20266.20%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.20%
-
6.20%
25+ - 30 Years
DetailsLTV: 85.01% - 90%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.20% ▲ 0.20 pts · high 6.20% / low 6.00%
Oct 5, 20266.20%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.30%
-
6.30%
10+ - 15 Years
DetailsLTV: 90.01% - 95%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.30% ▲ 0.30 pts · high 6.30% / low 6.00%
Oct 5, 20266.30%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.30%
-
6.30%
15+ - 20 Years
DetailsLTV: 90.01% - 95%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.30% ▲ 0.30 pts · high 6.30% / low 6.00%
Oct 5, 20266.30%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.30%
-
6.30%
20+ - 25 Years
DetailsLTV: 90.01% - 95%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.30% ▲ 0.30 pts · high 6.30% / low 6.00%
Oct 5, 20266.30%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage High LTV Loans
6.30%
-
6.30%
25+ - 30 Years
DetailsLTV: 90.01% - 95%; Purchase or Refinance; Does not apply to Mini Mortgage Loan Product
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.00% → 6.30% ▲ 0.30 pts · high 6.30% / low 6.00%
Oct 5, 20266.30%▲ from 6.00%
Sep 17, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage Loans - New Purchase & Refinance
-
-
6.05%
10 Years
DetailsAs Low As; Loan amount: $20,000 - $650,000; 60-Day Rate Lock Only - 1 Point Required for 90-Day Lock-In
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.75% → 6.05% ▲ 0.30 pts · high 6.05% / low 5.75%
Oct 2, 20266.05%▲ from 5.75%
Sep 17, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage Loans - New Purchase & Refinance
-
-
6.05%
15 Years
DetailsAs Low As; Loan amount: $20,000 - $650,000; 60-Day Rate Lock Only - 1 Point Required for 90-Day Lock-In
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.75% → 6.05% ▲ 0.30 pts · high 6.05% / low 5.75%
Oct 2, 20266.05%▲ from 5.75%
Sep 17, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage Loans - New Purchase & Refinance
-
-
6.05%
20 Years
DetailsAs Low As; Loan amount: $20,000 - $650,000; 60-Day Rate Lock Only - 1 Point Required for 90-Day Lock-In
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.75% → 6.05% ▲ 0.30 pts · high 6.05% / low 5.75%
Oct 2, 20266.05%▲ from 5.75%
Sep 17, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage Loans - New Purchase & Refinance
-
-
6.05%
25 Years
DetailsAs Low As; Loan amount: $20,000 - $650,000; 60-Day Rate Lock Only - 1 Point Required for 90-Day Lock-In
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.75% → 6.05% ▲ 0.30 pts · high 6.05% / low 5.75%
Oct 2, 20266.05%▲ from 5.75%
Sep 17, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
First Mortgage Loans - New Purchase & Refinance
-
-
6.05%
30 Years
DetailsAs Low As; Loan amount: $30,000 - $650,000; 60-Day Rate Lock Only - 1 Point Required for 90-Day Lock-In
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 5.75% → 6.05% ▲ 0.30 pts · high 6.05% / low 5.75%
Oct 2, 20266.05%▲ from 5.75%
Sep 17, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.20%
Financial Health History
Greater Woodlawn Federal Credit Union’s Texas Ratio stayed near 0.06% in Q3 2023 to 0.20% 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
$168M
0.20%
5.0
A+
March 31, 2026
$166M
0.39%
5.0
A+
December 31, 2025
$163M
0.64%
5.0
A+
September 30, 2025
$162M
0.35%
5.0
A+
June 30, 2025
$162M
0.38%
5.0
A+
March 31, 2025
$161M
0.73%
5.0
A+
December 31, 2024
$158M
0.12%
5.0
A+
September 30, 2024
$157M
0.17%
5.0
A+
June 30, 2024
$158M
0.01%
5.0
A+
March 31, 2024
$155M
0.23%
5.0
A+
December 31, 2023
$151M
0.24%
5.0
A+
September 30, 2023
$150M
0.06%
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 Woodlawn 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 Greater Woodlawn 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 Greater Woodlawn Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameGreater Woodlawn Federal Credit Union
Total Insured Shares and Deposits > $250K (item 17 less item K)
127,812,064
Total Interest Expense (Sum of items 6 8)
606,549
Share Certificates
560
Number of Accounts for Share Drafts
3,877
IRA KEOGH Accounts
313
Number of Accounts for Regular Shares
7,540
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)
51,300,190
Total Liabilities
128,122,053
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Greater Woodlawn Federal Credit Union earned the Top 100 Healthiest badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Rankings are updated every quarter, and this profile page always shows the latest results, so the code never needs to change.
<a href="https://www.monitorbankrates.com/credit-unions/greater-woodlawn-federal-credit-union-rates-review-18800">
<img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
alt="Ranked #59 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
width="160" height="160">
</a>
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Frequently Asked Questions About Greater Woodlawn Federal Credit Union
Does Greater Woodlawn Federal Credit Union offer CDs?
Yes. Greater Woodlawn Federal Credit Union current CD rates include its 24-Month Term CD at 3.00% APY, its 24-Month IRA CD at 3.00% APY and its 18-Month Term CD at 2.95% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Greater Woodlawn Federal Credit Union NCUA insured?
Yes. Greater Woodlawn 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 Greater Woodlawn Federal Credit Union?
The highest Greater Woodlawn Federal Credit Union CD rate is its 24-Month IRA CD at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Greater Woodlawn Federal Credit Union offer?
Greater Woodlawn Federal Credit Union CD rates are 2.10% APY for a 6 month CD, 2.75% APY for a 12 month CD, 2.95% APY for an 18 month CD and 3.00% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Woodlawn Federal Credit Union for its full lineup.
What is the highest savings rate at Greater Woodlawn Federal Credit Union?
The highest Greater Woodlawn Federal Credit Union savings rate is its IRA Savings at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Greater Woodlawn Federal Credit Union?
The lowest Greater Woodlawn Federal Credit Union auto loan rate is its New & Used Autos - 24 Months at 3.75% APR, verified by MonitorBankRates as of October 29, 2026. Greater Woodlawn Federal Credit Union auto loan rates are 3.75% APR for a 24 month auto loan, 3.75% APR for a 36 month auto loan, 3.75% APR for a 48 month auto loan, 3.75% APR for a 60 month auto loan, 4.75% APR for a 72 month auto loan and 5.00% APR for an 84 month auto loan.
What is the lowest personal loan rate at Greater Woodlawn Federal Credit Union?
The lowest Greater Woodlawn Federal Credit Union personal loan rate is its Personal Loans (Closed End) at 6.50%, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Greater Woodlawn Federal Credit Union?
The lowest Greater Woodlawn Federal Credit Union credit card APR is its Mastercard - Non-Variable Rate Credit Card at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Greater Woodlawn Federal Credit Union operate?
Greater Woodlawn 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 Greater Woodlawn Federal Credit Union?
Yes, to access services at Greater Woodlawn 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, Greater Woodlawn 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, Greater Woodlawn Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Greater Woodlawn Federal Credit Union offer online and mobile banking?
Most modern institutions like Greater Woodlawn 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://grwfcu.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 Woodlawn Federal Credit Union rates compare?
Greater Woodlawn Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. Greater Woodlawn Federal Credit Union's top rates are its 24-Month IRA CD at 3.00% APY, its IRA Savings at 0.35% APY, its Personal Loans (Closed End) at 6.50% APR and its Mastercard - Non-Variable Rate Credit Card at 8.99% APR, verified by MonitorBankRates on October 29, 2026.
Current Greater Woodlawn Federal Credit Union Rates
12-Month CD2.75%
18-Month CD2.95%
24-Month CD3.00%
Savings0.35%
Retrieved from our database of financial products. Rates subject to change.