What are the current interest rates at Madison Credit Union?

Current rates for Madison Credit Union include: 12-Month CD: 2.52%, Savings: 2.00%

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

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Madison Credit Union

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Madison Credit Union Rates & Review October 2026

Q: How many branches does Madison Credit Union operate?

Madison 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.

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

Yes, to access services at Madison 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: Is there a first-time homebuyer program?

Currently, Madison 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Madison 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

Madison Credit Union's top rates as of October 9, 2026 are 2.57% APY on its Security Plus Club CD, 2.00% APY on savings, 5.24% on its 10-Year First Mortgage, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Madison Credit Union CD rates include 1 Year CD at 2.52%. Other Madison Credit Union mortgage rates include First Mortgage Refinance at 5.49%, First Mortgage Refinance at 5.74%, and First Mortgage Refinance at 6.24%. MonitorBankRates evaluates the financial stability of Madison Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.90%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.90%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Madison Credit Union
Madison Credit Union

949 E Washington Ave
Madison, WI 53703

https://www.madisoncu.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.

Madison Credit Union CD Rates

Product	Rate	APY	Term	View More
1 Year CD	-	2.52%	1 Year
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union Savings Rates

Product	Rate	APY
Security Plus Club CD	-	2.57%
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 2.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Youth Savings Account	2.00%	2.00%
Details Youth Accounts; For members up to age 23. Kids under 18 need an adult joint member. High-yield introductory rate. Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-Year First Mortgage	-	-	5.24%	10-Year
Details Fixed Rates as low as 5.24% APR*. $5,000 new money required. Other rates and terms available. Lowest possible rate for a first mortgage requires a loan to value ratio of 80% or less. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
First Mortgage Refinance	5.49%	-	5.49%	15 Year Fixed Rate
Details First Mortgage Refinance ^^ Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
First Mortgage Refinance	5.74%	-	5.74%	20 Year Fixed Rate
Details First Mortgage Refinance ^^ Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
First Mortgage Refinance	6.24%	-	6.24%	30 Year Fixed Rate
Details First Mortgage Refinance^^ Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	6.74%	-	6.74%
Details Home Equity**^ Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loans	-	-	4.99%	Up to 36 months
Details Rates as low as 4.99% APR*. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	4.99%	-	4.99%	Up to 36 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	4.99%	-	4.99%	37 to 48 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.24%	-	5.24%	Up to 36 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.24%	-	5.24%	37 to 48 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.24%	-	5.24%	49 to 60 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.49%	-	5.49%	49 to 60 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.49%	-	5.49%	61 to 72 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Car Loans	-	-	5.49%	Up to 36 months
Details Rates as low as 5.49% APR*. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - Up to 36 Months Loan	-	-	5.49%	Up to 36 Months
Details Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.74%	-	5.74%	Up to 36 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.74%	-	5.74%	37 to 48 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.74%	-	5.74%	61 to 72 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 37 to 48 Months Loan	-	-	5.74%	37 to 48 Months
Details Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - Up to 36 Months Loan	-	-	5.74%	Up to 36 Months
Details Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.99%	-	5.99%	49 to 60 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	5.99%	-	5.99%	73 to 84 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 37 to 48 Months Loan	-	-	5.99%	37 to 48 Months
Details Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 49 to 60 Months Loan	-	-	5.99%	49 to 60 Months
Details Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	6.24%	-	6.24%	61 to 72 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	6.24%	-	6.24%	73 to 84 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 49 to 60 Months Loan	-	-	6.24%	49 to 60 Months
Details Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 61 to 72 Months Loan	-	-	6.24%	61 to 72 Months
Details Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - Up to 36 Months Loan	-	-	6.24%	Up to 36 Months
Details Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 37 to 48 Months Loan	-	-	6.49%	37 to 48 Months
Details Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 61 to 72 Months Loan	-	-	6.49%	61 to 72 Months
Details Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	6.74%	-	6.74%	Up to 36 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	6.74%	-	6.74%	37 to 48 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	6.74%	-	6.74%	73 to 84 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 49 to 60 Months Loan	-	-	6.74%	49 to 60 Months
Details Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 73 to 84 Months Loan	-	-	6.74%	73 to 84 Months
Details Credit Score: 750+; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	6.99%	-	6.99%	49 to 60 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	6.99%	Up to 36 Months
Details Credit Score: 750+ (A+); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 61 to 72 Months Loan	-	-	6.99%	61 to 72 Months
Details Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 73 to 84 Months Loan	-	-	6.99%	73 to 84 Months
Details Credit Score: 749-700; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	7.24%	-	7.24%	61 to 72 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.24%	Up to 36 Months
Details Credit Score: 749-700 (A); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.24%	37 to 48 Months
Details Credit Score: 750+ (A+); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - Up to 36 Months Loan	-	-	7.24%	Up to 36 Months
Details Credit Score: 659-630; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.49%	37 to 48 Months
Details Credit Score: 749-700 (A); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.49%	49 to 60 Months
Details Credit Score: 750+ (A+); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 37 to 48 Months Loan	-	-	7.49%	37 to 48 Months
Details Credit Score: 659-630; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 73 to 84 Months Loan	-	-	7.49%	73 to 84 Months
Details Credit Score: 699-660; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	7.74%	-	7.74%	Up to 36 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	7.74%	-	7.74%	37 to 48 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	7.74%	-	7.74%	73 to 84 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.74%	Up to 36 Months
Details Credit Score: 699-660 (B); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.74%	49 to 60 Months
Details Credit Score: 749-700 (A); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 49 to 60 Months Loan	-	-	7.74%	49 to 60 Months
Details Credit Score: 659-630; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	7.99%	-	7.99%	49 to 60 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	7.99%	37 to 48 Months
Details Credit Score: 699-660 (B); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 61 to 72 Months Loan	-	-	7.99%	61 to 72 Months
Details Credit Score: 659-630; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	8.24%	-	8.24%	61 to 72 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	8.24%	49 to 60 Months
Details Credit Score: 699-660 (B); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - Up to 36 Months Loan	-	-	8.24%	Up to 36 Months
Details Credit Score: 629-600; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 37 to 48 Months Loan	-	-	8.49%	37 to 48 Months
Details Credit Score: 629-600; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 73 to 84 Months Loan	-	-	8.49%	73 to 84 Months
Details Credit Score: 659-630; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	8.74%	-	8.74%	73 to 84 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	8.74%	Up to 36 Months
Details Credit Score: 659-630 (C); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 49 to 60 Months Loan	-	-	8.74%	49 to 60 Months
Details Credit Score: 629-600; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	8.99%	37 to 48 Months
Details Credit Score: 659-630 (C); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 61 to 72 Months Loan	-	-	8.99%	61 to 72 Months
Details Credit Score: 629-600; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	9.24%	49 to 60 Months
Details Credit Score: 659-630 (C); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 73 to 84 Months Loan	-	-	9.49%	73 to 84 Months
Details Credit Score: 629-600; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	9.74%	-	9.74%	Up to 36 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	9.74%	-	9.74%	37 to 48 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	9.74%	Up to 36 Months
Details Credit Score: 629-600 (D); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	9.99%	-	9.99%	49 to 60 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	9.99%	37 to 48 Months
Details Credit Score: 629-600 (D); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	10.24%	-	10.24%	61 to 72 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	10.24%	49 to 60 Months
Details Credit Score: 629-600 (D); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - Up to 36 Months Loan	-	-	10.24%	Up to 36 Months
Details Credit Score: 599-0; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 37 to 48 Months Loan	-	-	10.49%	37 to 48 Months
Details Credit Score: 599-0; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New Vehicles: 2025 & New Loan	10.74%	-	10.74%	73 to 84 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 49 to 60 Months Loan	-	-	10.74%	49 to 60 Months
Details Credit Score: 599-0; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 61 to 72 Months Loan	-	-	10.99%	61 to 72 Months
Details Credit Score: 599-0; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2020-2024 - 73 to 84 Months Loan	-	-	11.49%	73 to 84 Months
Details Credit Score: 599-0; Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	11.74%	Up to 36 Months
Details Credit Score: 599-0 (E); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	11.99%	37 to 48 Months
Details Credit Score: 599-0 (E); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used Vehicles: 2019 & Older Loan	-	-	12.24%	49 to 60 Months
Details Credit Score: 599-0 (E); Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	8.49%	Up to 36 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - Up to 60 Months Loan	-	8.49%	Up to 60 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	8.74%	Up to 36 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	8.74%	37 to 48 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 61 to 72 Months Loan	-	8.74%	61 to 72 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - Up to 60 Months Loan	-	8.74%	Up to 60 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	8.99%	37 to 48 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	8.99%	49 to 60 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 61 to 72 Months Loan	-	8.99%	61 to 72 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 73 to 84 Months Loan	-	8.99%	73 to 84 Months
Details Credit Score: 750+ (A+) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	9.24%	Up to 36 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	9.24%	49 to 60 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 73 to 84 Months Loan	-	9.24%	73 to 84 Months
Details Credit Score: 749-700 (A) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - Up to 60 Months Loan	-	9.24%	Up to 60 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	9.49%	37 to 48 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	9.49%	Up to 24 Months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 61 to 72 Months Loan	-	9.49%	61 to 72 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	9.74%	49 to 60 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	9.74%	Up to 24 Months
Details Credit Score: 749-700 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 73 to 84 Months Loan	-	9.74%	73 to 84 Months
Details Credit Score: 699-660 (B) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	10.24%	Up to 36 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	10.24%	Up to 24 Months
Details Credit Score: 699-660 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - Up to 60 Months Loan	-	10.24%	Up to 60 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	10.49%	37 to 48 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	10.49%	25 to 36 Months
Details Credit Score: 750+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 61 to 72 Months Loan	-	10.49%	61 to 72 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	10.74%	49 to 60 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	10.74%	25 to 36 Months
Details Credit Score: 749-700 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 73 to 84 Months Loan	-	10.74%	73 to 84 Months
Details Credit Score: 659-630 (C) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	11.24%	Up to 36 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 11.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	11.24%	Up to 24 Months
Details Credit Score: 659-630 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	11.24%	25 to 36 Months
Details Credit Score: 699-660 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - Up to 60 Months Loan	-	11.24%	Up to 60 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	11.49%	37 to 48 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 61 to 72 Months Loan	-	11.49%	61 to 72 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	11.74%	49 to 60 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 73 to 84 Months Loan	-	11.74%	73 to 84 Months
Details Credit Score: 629-600 (D) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 11.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	12.24%	Up to 24 Months
Details Credit Score: 629-600 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	12.24%	25 to 36 Months
Details Credit Score: 659-630 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	13.24%	Up to 36 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 13.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	13.24%	25 to 36 Months
Details Credit Score: 629-600 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - Up to 60 Months Loan	-	13.24%	Up to 60 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 13.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	13.49%	37 to 48 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 13.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 61 to 72 Months Loan	-	13.49%	61 to 72 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
New ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2022-New Loan	-	13.74%	49 to 60 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 13.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used RVs, 5th Wheels, Larger Boats (Over 16 ft.): 2023 & Older - 73 to 84 Months Loan	-	13.74%	73 to 84 Months
Details Credit Score: 599-0 (E) Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 13.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	14.24%	Up to 24 Months
Details Credit Score: 599-0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 14.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Used ATV, Snowmobile, Camper, Jet Ski, Boat (under 16 ft.), 4 Wheeler: 2021 & Older Loan	-	15.24%	25 to 36 Months
Details Credit Score: 599-0 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 15.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%	Up to 24 months
Details Rates as low as 9.99% APR*. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

Madison Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Second Mortgage	7.74%	-	7.74%	10 Year Fixed Rate
Details Second Mortgage *** Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Second Mortgage	7.99%	-	7.99%	15 Year Fixed Rate
Details Second Mortgage *** Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%
Second Mortgage	8.24%	-	8.24%	20 Year Fixed Rate
Details Second Mortgage *** Last Updated 10/09/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.90%

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

Madison Credit Union’s Texas Ratio rose from 1.43% in Q3 2023 to 2.90% 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	$65M	2.90%	5.0	A+
March 31, 2026	$63M	0.89%	5.0	A+
December 31, 2025	$61M	1.77%	5.0	A+
September 30, 2025	$62M	0.69%	5.0	A+
June 30, 2025	$60M	1.07%	5.0	A+
March 31, 2025	$59M	0.82%	5.0	A+
December 31, 2024	$59M	0.60%	5.0	A+
September 30, 2024	$58M	1.32%	5.0	A+
June 30, 2024	$59M	1.38%	5.0	A+
March 31, 2024	$60M	1.45%	5.0	A+
December 31, 2023	$59M	1.36%	5.0	A+
September 30, 2023	$61M	1.43%	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 Madison 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 Madison 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 Madison Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Madison Credit Union

Website https://www.madisoncu.com

Address 949 E Washington Ave, Madison, WI 53703

Phone 608-266-4750

Fax 608-266-4510

President Robin Piper

CEO Ilene Fritschler

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.90%

Return on Assets (ROA)

0.5470%

Return on Equity (ROE)

4.9567%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

65,134,605

Total Amount of Shares and Deposits

57,425,285

Total Shares and Deposits < 1 Year

57,074,526

Total Shares and Deposits 1 3 Years

350,758

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

3,576,110

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

3,576,110

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

53,849,175

Total Interest Expense (Sum of items 6 8)

103,073

Share Certificates

272

Number of Accounts for Share Drafts

1,835

IRA KEOGH Accounts

160

Number of Accounts for Regular Shares

4,185

Money Market Shares

150

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

356,299

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)

3,569,689

Total Liabilities

57,946,307

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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Frequently Asked Questions About Madison Credit Union

How many branches does Madison Credit Union operate?

Madison 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 Madison Credit Union?

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

Does Madison Credit Union offer online and mobile banking?

Most modern institutions like Madison 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.madisoncu.com.

Current Madison Credit Union Rates

12-Month CD2.52%
Savings2.00%

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

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Madison Credit Union Rates & Review October 2026

Brian McKay

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Madison Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Madison Credit Union

How many branches does Madison Credit Union operate?

Is a member application needed to join Madison Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Madison Credit Union offer online and mobile banking?

Current Madison Credit Union Rates

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