What are the current interest rates at Marine Credit Union?

Current rates for Marine Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, 60-Month CD: 4.50%, Savings: 0.10%, MMA: 3.00%

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Marine Credit Union

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Marine Credit Union Rates & Review October 2026

Q: How many branches does Marine Credit Union operate?

Marine 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 Marine Credit Union?

Yes, to access services at Marine 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, Marine 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, Marine 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

Marine Credit Union's top rates as of October 9, 2026 are 4.61% APY on its 60-month IRA CD, 0.10% APY on savings, 3.00% APY on money market accounts, and personal loans from 12.11% APR, according to rates verified by MonitorBankRates. Other Marine Credit Union CD rates include 60 Month Jumbo CD at 4.55%, 60-month CD at 4.50%, and CD Special - 13-month at 4.25%. MonitorBankRates evaluates the financial stability of Marine Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.08%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.08%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Marine Credit Union
Corporate Office

300 2nd St N Ste 400
La Crosse, WI 54601

https://marinecu.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.

Marine Credit Union CD Rates

Product	Rate	APY	Term
60-month IRA	4.53%	4.61%	60 months
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.61% ▲ 1.01 pts · high 4.61% / low 3.60% Oct 5, 20264.61%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
60 Month Jumbo Certificate	4.477%	4.55%	60-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.55% ▲ 1.00 pts · high 4.55% / low 3.55% Oct 5, 20264.55%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
60-month Certificate	4.43%	4.50%	60-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Certificate Special - 13-month	4.18%	4.25%	13-month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
IRA Certificate Special - 13-month	4.18%	4.25%	13-month
Min Balance $1,000 Details APY shown accurate as of 10/1/26 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees. APY = Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
12-month IRA	4.04%	4.10%	12 months
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.11% → 4.10% ▲ 0.99 pts · high 4.10% / low 3.11% Oct 5, 20264.10%▲ from 3.11% Sep 14, 20263.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
48-month IRA	4.04%	4.10%	48 months
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35% Oct 5, 20264.10%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
12 Month Jumbo Certificate	3.99%	4.05%	12-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 4.05% ▲ 1.00 pts · high 4.05% / low 3.05% Oct 5, 20264.05%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
48 Month Jumbo Certificate	3.99%	4.05%	48-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.05% ▲ 0.75 pts · high 4.05% / low 3.30% Oct 5, 20264.05%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
12-month Certificate	3.94%	4.00%	12-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
48-month Certificate	3.94%	4.00%	48-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Certificate Special - 6-month	3.94%	4.00%	6-month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Certificate Special - 9-month	3.94%	4.00%	9-month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
36-month IRA	3.80%	3.85%	36 months
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35% Oct 5, 20263.85%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
36 Month Jumbo Certificate	3.75%	3.80%	36-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30% Oct 5, 20263.80%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
36-month Certificate	3.70%	3.75%	36-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
24-month IRA	3.55%	3.60%	24 months
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.11% → 3.60% ▲ 0.49 pts · high 3.60% / low 3.11% Oct 5, 20263.60%▲ from 3.11% Sep 14, 20263.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
24 Month Jumbo Certificate	3.50%	3.55%	24-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 3.05% Oct 5, 20263.55%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
24-month Certificate	3.45%	3.50%	24-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
18-month IRA	3.31%	3.35%	18 months
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.11% → 3.35% ▲ 0.24 pts · high 3.35% / low 3.11% Oct 5, 20263.35%▲ from 3.11% Sep 14, 20263.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
18 Month Jumbo Certificate	3.26%	3.30%	18-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05% Oct 5, 20263.30%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
18-month Certificate	3.21%	3.25%	18-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
6 Month Jumbo Certificate	3.02%	3.05%	6-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.30% → 3.05% ▲ 0.75 pts · high 3.05% / low 2.30% Oct 5, 20263.05%▲ from 2.30% Sep 14, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
6-month Certificate	2.97%	3.00%	6-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
3 Month Jumbo Certificate	1.54%	1.55%	3-month
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
3-month Certificate	1.49%	1.50%	3-month
Min Balance $1,000 Details Penalty may be imposed for early withdrawal and subject to account closure. APY is current as of 10/01/2026. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%

Marine Credit Union Savings Rates

Product	Rate	APY	View More
Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%

Marine Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.13%	2.15%
Min Balance $2,000 Details Balance: $250,001 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Money Market	1.39%	1.40%
Min Balance $2,000 Details Balance: $100,001-$250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Money Market	1.14%	1.15%
Min Balance $2,000 Details Balance: $50,001-$100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Money Market	0.65%	0.65%
Min Balance $2,000 Details Balance: $10,001-$50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Money Market	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000-$10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%

Marine Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	5.49%	-	5.59%	60 months or less
Details As Low As; New, never before titled vehicle. Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Auto Loans - 6 years old or older	5.99%	-	6.12%	48 Months or less
Details Used vehicle 6 years or older. Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.12% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%

Marine Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	12.11%	60 Months or less
Details Rate based on $5,000 loan amount for 60 months with a monthly payment of $109.34. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.11% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%

Marine Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Jumbo Individual Retirement Account Certificates - 12-month	4.09%	-	4.15%	12-month
Min Balance $100,000 Details Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.16% → 4.15% ▲ 0.99 pts · high 4.15% / low 3.16% Oct 5, 20264.15%▲ from 3.16% Sep 14, 20263.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 18-month	3.36%	-	3.40%	18-month
Min Balance $100,000 Details Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.16% → 3.40% ▲ 0.24 pts · high 3.40% / low 3.16% Oct 5, 20263.40%▲ from 3.16% Sep 14, 20263.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 24-month	3.60%	-	3.65%	24-month
Min Balance $100,000 Details Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.16% → 3.65% ▲ 0.49 pts · high 3.65% / low 3.16% Oct 5, 20263.65%▲ from 3.16% Sep 14, 20263.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 36-month	3.85%	-	3.91%	36-month
Min Balance $100,000 Details Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40% Oct 5, 20263.91%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 48-month	4.09%	-	4.15%	48-month
Min Balance $100,000 Details Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40% Oct 5, 20264.15%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Jumbo Individual Retirement Account Certificates - 60-month	4.58%	-	4.66%	60-month
Min Balance $100,000 Details Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.66% ▲ 1.01 pts · high 4.66% / low 3.65% Oct 5, 20264.66%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%
Money Market Special - 10-month	2.96%	-	3.00%	10-month
Min Deposit $10,000 Min Balance $10,000 Details Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 3.00% ▲ 0.35 pts · high 3.00% / low 2.65% Oct 5, 20263.00%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.08%

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

Marine Credit Union’s Texas Ratio rose from 12.38% in Q3 2023 to 13.08% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	13.08%	5.0	A
March 31, 2026	$1.1B	10.81%	5.0	A
December 31, 2025	$1.1B	15.16%	5.0	A-
September 30, 2025	$1.1B	15.06%	5.0	A-
June 30, 2025	$1.1B	13.47%	5.0	A
March 31, 2025	$1.1B	10.97%	5.0	A
December 31, 2024	$1.0B	13.29%	5.0	A
September 30, 2024	$1.0B	13.37%	5.0	A
June 30, 2024	$1.0B	12.65%	5.0	A
March 31, 2024	$1.1B	10.54%	5.0	A
December 31, 2023	$1.0B	13.31%	5.0	A
September 30, 2023	$1.0B	12.38%	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 Marine 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 Marine 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 Marine Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Marine Credit Union

Website https://marinecu.com

Address 300 2nd St N Ste 400, La Crosse, WI 54601

Phone 800-923-7280

Fax

President Anne Snow

CEO Tom Knothe

Full-Time Employees 402

Part-Time Employees 10

Branch Locations 17

ATM Locations 22

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.08%

Return on Assets (ROA)

0.4023%

Return on Equity (ROE)

3.3000%

Non-Performing Loans Ratio (NPL)

2.26%

Total Assets

1,140,424,245

Total Amount of Shares and Deposits

845,868,000

Total Shares and Deposits < 1 Year

796,156,993

Total Shares and Deposits 1 3 Years

35,698,086

Total Shares and Deposits > 3 Years

14,012,921

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

32,926,095

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

32,926,095

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

812,941,905

Total Interest Expense (Sum of items 6 8)

11,610,190

Share Certificates

5,823

Number of Accounts for Share Drafts

46,214

IRA KEOGH Accounts

1,730

Number of Accounts for Regular Shares

101,062

Non Member Deposits

Money Market Shares

3,795

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)

84,483,661

Total Liabilities

1,007,916,403

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Marine Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Marine Credit Union

How many branches does Marine Credit Union operate?

Marine 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 Marine Credit Union?

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

Does Marine Credit Union offer online and mobile banking?

Most modern institutions like Marine 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://marinecu.com.

Current Marine Credit Union Rates

12-Month CD4.00%
18-Month CD3.25%
24-Month CD3.50%
60-Month CD4.50%
Savings0.10%
MMA3.00%

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

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Marine Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Marine Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Marine Credit Union

How many branches does Marine Credit Union operate?

Is a member application needed to join Marine Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Marine Credit Union offer online and mobile banking?

Current Marine Credit Union Rates

Compare to Other Credit Unions