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Madison 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
Madison Credit Union's 1 Year CD rates are at 3.03%. Madison Credit Union's 10-Year First Mortgage rates are at 5.24%, First Mortgage Refinance rates are at 5.24%, First Mortgage Refinance - 10 Year Fixed Rate rates are at 5.24%. Madison Credit Union's Personal Loan Rates are as low as 9.99%. Madison Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.
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.
Madison Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
Madison 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
?
2.90%
ExcellentLower than avg
Madison Credit Union Texas Ratio
Madison Credit Union's Texas Ratio is 2.90%, which is considered excellent and is lower than the national average of 6.13%.
Madison 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.
1.43% to 2.90% 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.
Madison Credit Union CD Rates
Product
Rate
APY
Term
View More
1 Year CD
-
3.03%
1 Year
Min Deposit$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 2.52% → 3.03% ▲ 0.51 pts · high 3.03% / low 2.52%
No change since Sep 18, 2026 · 15.24% APR · checked 7 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 Loan
9.99%
Up to 24 months
DetailsAs Low As; For up to 24 months (homepage banner)
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 8 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
View More
Second Mortgage
7.74%
-
7.74%
10 Year Fixed Rate
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.90%
Second Mortgage
7.99%
-
7.99%
15 Year Fixed Rate
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.90%
Second Mortgage
8.24%
-
8.24%
20 Year Fixed Rate
DetailsAs Low As
Last Updated10/29/2026
Rate History
No change since Sep 16, 2026 · 8.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.90%
Security Plus Club CD
-
-
3.09%
Min Deposit$1,000
Last Updated10/29/2026
Rate History
1 change since Oct 1, 2026 · 2.57% → 3.09% ▲ 0.52 pts · high 3.09% / low 2.57%
Oct 19, 20263.09%▲ from 2.57%
Oct 1, 20262.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.90%
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.
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
2026 MBR Health & Safety Badge
Madison Credit Union earned the Verified Healthy 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. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Madison Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Madison Credit Union
Frequently Asked Questions About Madison Credit Union
Does Madison Credit Union offer CDs?
Yes. Madison Credit Union current CD rates include its 1 Year CD at 3.03% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Madison Credit Union NCUA insured?
Yes. Madison 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 Madison Credit Union?
The highest Madison Credit Union CD rate is its 1 Year CD at 3.03% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Madison Credit Union offer?
Madison Credit Union CD rates are 3.03% APY for a 12 month 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 Madison Credit Union for its full lineup.
What is the lowest mortgage rate at Madison Credit Union?
The lowest Madison Credit Union mortgage rate is its 10-Year First Mortgage at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Madison Credit Union?
The lowest Madison Credit Union auto loan rate is its New Car Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Madison Credit Union?
The lowest Madison Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.
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.
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 Madison Credit Union rates compare?
Madison Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. Madison Credit Union's top rates are its 1 Year CD at 3.03% APY, its 10-Year First Mortgage at 5.24% and its Personal Loan at 9.99% APR, verified by MonitorBankRates on October 29, 2026.
Current Madison Credit Union Rates
12-Month CD3.03%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
