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Marion And Polk Schools 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
Marion And Polk Schools Credit Union's CD Account 12 month rates are at 1.90%, CD Account 3 month rates are at 1.90%, CD Account 6 month rates are at 1.90%, CD Accounts - 12 month rates are at 1.90%, CD Accounts - 3 month rates are at 1.90%. Marion And Polk Schools Credit Union's savings rates are at 3.10%. Marion And Polk Schools Credit Union's money market rates are at 3.25%. Marion And Polk Schools Credit Union's checking rates are as high as 0.20%. Marion And Polk Schools Credit Union's Auto Loan Rates are as low as 5.49%. Marion And Polk Schools Credit Union's Credit Card Rates are at 12.25%. Marion And Polk Schools Credit Union's CD rates are 52% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Marion And Polk Schools Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.77%. Rates last updated and verified on 10/29/2026.
Marion And Polk Schools 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 Marion And Polk Schools Credit Union? Share your experience about Marion And Polk Schools Credit Union by leaving a review below, or read customer reviews before you decide to use Marion And Polk Schools Credit Union.
Marion And Polk Schools Credit Union has earned an overall safety grade of A (Excellent, Score: 95/100).
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
Marion And Polk Schools 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
?
9.77%
ExcellentHigher than avg
Marion And Polk Schools Credit Union Texas Ratio
Marion And Polk Schools Credit Union's Texas Ratio is 9.77%, which is considered excellent and is higher than the national average of 6.13%.
Marion And Polk Schools 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.
2.19% to 9.77% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level 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.
No change since Sep 14, 2026 · 0.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Savings Rates
Product
Rate
APY
View More
Summer Saver
3.20%
3.25%
Min Deposit$0
Min Balance$100
DetailsDividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Estate Membership Savings
3.06%
3.10%
Min Deposit$100
Min Balance$1,000,000
DetailsBalance: $1,000,000 and above; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Estate Membership Savings
2.81%
2.85%
Min Deposit$100
Min Balance$750,000
DetailsBalance: $750,000 - $999,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Estate Membership Savings
2.23%
2.25%
Min Deposit$100
Min Balance$500,000
DetailsBalance: $500,000 - $749,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Estate Membership Savings
2.08%
2.10%
Min Deposit$100
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Estate Membership Savings
1.34%
1.35%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000 - $249,999.99; Dividends compounded monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
IRA Savings
0.20%
0.20%
Min Deposit$0
Min Balance$0
DetailsDividends compounded & credited monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
President's Club Account
0.20%
0.20%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000 and above; Minimum Balance to Earn Dividends: $750; Dividends compounded and credited monthly; Monthly Service Fee: $7.50; Minimum Balance to Avoid Service Fee: $30,000 in combined loans and/or deposits
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Christmas Club
0.02%
0.02%
Min Deposit$10
Min Balance$0
DetailsDividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
IDA Savings
0.02%
0.02%
Min Deposit$5
Min Balance$100
DetailsDividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Membership Savings Account
-
0.02%
Min Deposit$5
Min Balance$100
DetailsOne-time $10 membership fee; minimum balance to earn dividends and avoid service fee $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Share Savings
0.02%
0.02%
Min Deposit$5
Min Balance$100
DetailsDividends compounded & credited: Monthly; Monthly service fee: See Fee Schedule; Minimum balance to avoid service fee: $100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Youth Savings Club
0.02%
0.02%
Min Deposit$5
Min Balance$0
DetailsDividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Business Savings Rates
Product
Rate
APY
View More
Advanced Business Money Market with Excess Share Insurance
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: Below $10,000; Monthly Service Fee: $0; Minimum Balance to Avoid Service Fee: N/A; Monthly Transaction Fees: $0; Additional Requirement: Advanced Business Checking
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Money Market Rates
Product
Rate
APY
View More
Premium Money Market Account
3.20%
3.25%
Min Deposit$5
Min Balance$500,000
DetailsBalance: $500,000 and above; Minimum balance to earn dividends: $0; Dividends compounded & credited monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
2.96%
3.00%
Min Deposit$5
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99; Minimum balance to earn dividends: $0; Dividends compounded & credited monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
2.47%
2.50%
Min Deposit$5
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Minimum balance to earn dividends: $0; Dividends compounded & credited monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Indexed Money Market Account
1.98%
2.00%
Min Deposit$5
Min Balance$5,000
DetailsBalance: $5,000 and above; Dividends compounded & credited monthly; Monthly service fee $0; Minimum balance to avoid service fee $0
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.88% → 2.00% ▲ 0.12 pts · high 2.00% / low 1.88%
Oct 9, 20262.00%▲ from 1.88%
Sep 14, 20261.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
1.49%
1.50%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Minimum balance to earn dividends: $0; Dividends compounded & credited monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Indexed Money Market Account
-
0.25%
Min Deposit$5
Min Balance$0
DetailsBalance: Below $4,999.99; APY tied to the upper bound of the federal funds target rate
Last Updated10/29/2026
Rate History
2 changes since Sep 22, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 2.00% / low 0.25%
Oct 19, 20260.25%▼ from 2.00%
Oct 13, 20262.00%▲ from 0.25%
Sep 22, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
-
0.25%
Min Deposit$5
Min Balance$0
DetailsBalance: Below $50,000
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Business Money Market Rates
Product
Rate
APY
View More
Premier Business Money Market
0.25%
0.25%
Min Deposit$100
Min Balance$0
DetailsBalance: Below $10,000; Additional Requirement: Advanced Business Checking
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 0.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Advanced Business Money Market with Excess Share Insurance
0.10%
0.10%
Min Deposit$100
Min Balance$0
DetailsBalance: Below $10,000; Monthly Service Fee: $0; Minimum Balance to Avoid Service Fee: N/A; Monthly Transaction Fees: $0; Additional Requirement: Advanced Business Checking
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Checking Rates
Product
Rate
APY
View More
President's Club Checking
-
0.20%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000.00 and over; $750 minimum average daily balance to earn dividends; $30,000 minimum in combined loans or deposits to avoid $7.50 service fee; Additional Rate Info
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
President's Club Checking
-
0.15%
Min Deposit$25
Min Balance$750
DetailsBalance: $750.00 - $9,999.99; $750 minimum average daily balance to earn dividends; $30,000 minimum in combined loans or deposits to avoid $7.50 service fee; Additional Rate Info
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10%
Oct 13, 20260.15%▲ from 0.10%
Sep 14, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Estate Checking
0.00%
0.00%
Min Deposit$0
DetailsMinimum balance to earn dividends: N/A; Dividends: N/A; Monthly service fee $0; Minimum balance to avoid service fee $0
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Non-Profit Checking
0.00%
0.00%
Min Deposit$100
DetailsMonthly Service Fee: $0; Minimum Balance to Avoid Service Fee: N/A; Monthly Transaction Fees: Up to 50 Transactions = Free; $.15 per transaction over 50
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Business Checking Rates
Product
Rate
APY
View More
Advanced Business Checking
0.10%
0.10%
Min Deposit$100
Min Balance$1,500
DetailsBalance: $1,500 and above; Monthly Service Fee: $20; Minimum Balance to Avoid Service Fee: Daily Balance of $7,500; OR $15,000 Combined Balance; OR Active Business Loan/Line; Monthly Transaction Fees: Up to 500 Transactions = Free, $.15 per transaction over 500
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Growth Business Checking
0.05%
0.05%
Min Deposit$100
Min Balance$1,500
DetailsBalance: $1,500 and above; Monthly Service Fee: $10; Minimum Balance to Avoid Service Fee: Daily Balance of $2,500; OR $4,000 Combined Balance; OR Active Business Loan/Line; Monthly Transaction Fees: Up to 350 Transactions = Free, $.15 per transaction over 350
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Advanced Business Checking
0.00%
0.00%
Min Deposit$100
Min Balance$0
DetailsBalance: Below $1,500; Monthly Service Fee: $20; Minimum Balance to Avoid Service Fee: Daily Balance of $7,500; OR $15,000 Combined Balance; OR Active Business Loan/Line; Monthly Transaction Fees: Up to 500 Transactions = Free, $.15 per transaction over 500
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 0.25% → 1.49% ▲ 1.24 pts · high 1.49% / low 0.10%
Sep 22, 20261.49%▲ from 0.10%
Sep 18, 20260.10%▼ from 0.25%
Sep 14, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Basic Business Checking
0.00%
0.00%
Min Deposit$100
DetailsMonthly Service Fee: $5; Minimum Balance to Avoid Service Fee: Daily Balance of $500; OR $2,500 Combined Balance; OR 10 Debit Card Purchases; Monthly Transaction Fees: Up to 200 Transactions = Free; $.15 per transaction over 200
Last Updated10/29/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Growth Business Checking
0.00%
0.00%
Min Deposit$100
Min Balance$0
DetailsBalance: Below $1,500; Monthly Service Fee: $10; Minimum Balance to Avoid Service Fee: Daily Balance of $2,500; OR $4,000 Combined Balance; OR Active Business Loan/Line; Monthly Transaction Fees: Up to 350 Transactions = Free, $.15 per transaction over 350
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loans
-
-
5.49%
DetailsAs Low As; Featured rate on homepage; rates good as of October 1, 2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
Oct 26, 20265.49%▼ from 5.74%
Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Mastercard
-
12.25%
DetailsIntro/promo APR: 3.99%; As Low As; Intro rate for purchases and balance transfers expires after 12 billing cycles; Regular APR: 12.25% - 20.25%; No annual fee
Last Updated10/29/2026
Rate History
No change since Oct 1, 2026 · 12.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Marion And Polk Schools Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Indexed Money Market Account
-
-
2.00%
Min Deposit$5
Min Balance$5,000
DetailsBalance: $5,000 and above; APY tied to the upper bound of the federal funds target rate
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 1.88% → 2.00% ▲ 0.12 pts · high 2.00% / low 1.88%
Oct 9, 20262.00%▲ from 1.88%
Sep 14, 20261.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
IRA Monthly Deposit
0.20%
-
0.20%
Min Deposit$0
Min Balance$0
DetailsDividends compounded & credited monthly
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Member Rewards
4.89%
-
5.00%
Min Deposit$0
Min Balance$0
DetailsDividends compounded & credited: Monthly; Monthly service fee: $0; Minimum balance to avoid service fee: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Passport
0.01%
-
0.01%
Min Deposit$25
Min Balance$750
DetailsMinimum balance to earn dividends $750; Dividends compounded and credited monthly; Monthly service fee $0; Minimum balance to avoid service fee $0
Last Updated10/29/2026
Rate History
No change since Sep 26, 2026 · 0.01% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premier IRA
-
-
2.00%
Min Deposit$0
Min Balance$0
DetailsAnnual fee of $10; Dividends compounded & credited monthly
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
-
-
3.25%
Min Deposit$5
Min Balance$500,000
DetailsBalance: $500,000 and above
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
-
-
3.00%
Min Deposit$5
Min Balance$250,000
DetailsBalance: $250,000 - $499,999
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
-
-
2.50%
Min Deposit$5
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Premium Money Market Account
-
-
1.50%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.77%
Financial Health History
Marion And Polk Schools Credit Union’s Texas Ratio rose from 2.19% in Q3 2023 to 9.77% 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 and its Health Grade from A+ to A. 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
$1.9B
9.77%
5.0
A
March 31, 2026
$1.8B
9.04%
5.0
A
December 31, 2025
$1.5B
7.62%
5.0
A
September 30, 2025
$1.5B
4.29%
5.0
A+
June 30, 2025
$1.5B
3.69%
5.0
A+
March 31, 2025
$1.4B
3.32%
5.0
A+
December 31, 2024
$1.4B
4.12%
5.0
A+
September 30, 2024
$1.4B
3.60%
5.0
A+
June 30, 2024
$1.4B
3.14%
5.0
A+
March 31, 2024
$1.4B
3.25%
5.0
A+
December 31, 2023
$1.4B
3.36%
5.0
A+
September 30, 2023
$1.3B
2.19%
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 Marion And Polk Schools 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 Marion And Polk Schools 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 Marion And Polk Schools Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameMarion And Polk Schools Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
191,557,937
Total Uninsured Shares and Deposits > $250K (F+J)
191,557,937
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,451,258,648
Total Interest Expense (Sum of items 6 8)
12,201,341
Share Certificates
978
Number of Accounts for Share Drafts
65,074
IRA KEOGH Accounts
1,637
Number of Accounts for Regular Shares
166,512
Money Market Shares
18,570
Net Income (unless the amount is already included in Undivided Earnings)
8,955,345
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)
236,541,074
Total Liabilities
1,674,409,144
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Marion And Polk Schools Credit Union earned the Verified Healthy badge
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Frequently Asked Questions About Marion And Polk Schools Credit Union
Does Marion And Polk Schools Credit Union offer CDs?
Yes. Marion And Polk Schools Credit Union current CD rates include its CD Account 12 month at 1.90% APY, its CD Account 3 month at 1.90% APY and its CD Account 6 month at 1.90% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Marion And Polk Schools Credit Union NCUA insured?
Yes. Marion And Polk Schools 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 Marion And Polk Schools Credit Union?
The highest Marion And Polk Schools Credit Union CD rate is its CD Account 12 month at 1.90% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Marion And Polk Schools Credit Union offer?
Marion And Polk Schools Credit Union CD rates are 1.90% APY for a 3 month CD, 1.90% APY for a 6 month CD, 1.90% APY for a 12 month CD, 0.75% APY for an 18 month CD, 1.00% APY for a 2 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Marion And Polk Schools Credit Union for its full lineup.
What is the highest savings rate at Marion And Polk Schools Credit Union?
The highest Marion And Polk Schools Credit Union savings rate is its Estate Membership Savings at 3.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Marion And Polk Schools Credit Union?
The highest Marion And Polk Schools Credit Union money market rate is its Premium Money Market Account at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Marion And Polk Schools Credit Union?
The highest Marion And Polk Schools Credit Union checking rate is its President's Club Checking at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Marion And Polk Schools Credit Union?
The lowest Marion And Polk Schools Credit Union auto loan rate is its New Auto Loans at 5.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at Marion And Polk Schools Credit Union?
The lowest Marion And Polk Schools Credit Union credit card APR is its Platinum Mastercard Credit Card at 12.25% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Marion And Polk Schools Credit Union operate?
Marion And Polk Schools 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 Marion And Polk Schools Credit Union?
Yes, to access services at Marion And Polk Schools 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, Marion And Polk Schools 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, Marion And Polk Schools Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Marion And Polk Schools Credit Union offer online and mobile banking?
Most modern institutions like Marion And Polk Schools 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.mapscu.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 Marion And Polk Schools Credit Union rates compare?
Marion And Polk Schools Credit Union's CD rates are 52% lower than the MonitorBankRates national average, and it has an A health rating. Marion And Polk Schools Credit Union's top rates are its CD Account 12 month at 1.90% APY, its Estate Membership Savings at 3.10% APY, its Premium Money Market Account at 3.25% APY, its President's Club Checking at 0.20% APY, its New Auto Loans at 5.49% APR and its Platinum Mastercard Credit Card at 12.25% APR, verified by MonitorBankRates on October 29, 2026.
Current Marion And Polk Schools Credit Union Rates
12-Month CD0.65%
18-Month CD0.75%
24-Month CD1.00%
60-Month CD1.00%
Savings3.10%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
