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Moog Employees Credit Union

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Moog Employees Credit Union Rates & Review November 2026

Q: What are the current interest rates at Moog Employees Credit Union?

Current rates for Moog Employees Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.45%, Savings: 0.15%, MMA: 3.40%

Q: What CD terms does Moog Employees Credit Union offer?

Moog Employees Credit Union CD rates are 3.75% APY for a 12 month CD, 3.45% APY for a 2 year CD and 3.35% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Moog Employees Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Moog Employees Credit Union's 12 Month Term CD rates are at 3.75%, 24 Month Term CD rates are at 3.45%, 36 Month Term CD rates are at 3.35%, 12 Month Jumbo CD rates are at 4.00%, 12 Month IRA CD rates are at 3.75%. Moog Employees Credit Union's savings rates are at 0.15%. Moog Employees Credit Union's money market rates are at 3.40%. Moog Employees Credit Union's First Mortgage (Primary Residence) rates are at 7.00%. Moog Employees Credit Union's Personal Loan Rates are as low as 8.49%. Moog Employees Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Moog Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates last updated and verified on 10/30/2026.

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

Ranked #2 Healthiest 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Moog Employees Credit Union
Main Office

7181 SENECA St
EAST AURORA, NY 14052-0018

http://www.moogfcu.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.

Moog Employees Credit Union CD Rates

Product	Rate	APY	Term
12 Month Jumbo Share Certificate	4.00%	4.00%	12 months
Min Deposit $100,000 Details $100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 1, 20264.00%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month IRA Certificate	3.75%	3.75%	12 months
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 1, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month Term Share Certificate	3.75%	3.75%	12 months
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 1, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24 Month Jumbo Share Certificate	3.70%	3.70%	24 months
Min Deposit $100,000 Details $100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 1, 20263.70%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36 Month Jumbo Share Certificate	3.60%	3.60%	36 months
Min Deposit $100,000 Details $100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35% Oct 1, 20263.60%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24 Month IRA Certificate	3.45%	3.45%	24 months
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20% Oct 1, 20263.45%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24 Month Term Share Certificate	3.45%	3.45%	24 months
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20% Oct 1, 20263.45%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36 Month IRA Certificate	3.35%	3.35%	36 months
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10% Oct 1, 20263.35%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36 Month Term Share Certificate	3.35%	3.35%	36 months
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10% Oct 1, 20263.35%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Savings Rates

Product	Rate	APY
Platinum Money Market Shares	3.40%	3.40%
Min Balance $10,000 Details Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20% Oct 1, 20263.40%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market Shares	0.55%	0.55%
Min Balance $2,500 Details Minimum Balance of $2,500.00 Required to Earn Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
IRA Savings	0.15%	0.15%
Details Save Tax Free! Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Money Market Rates

Product	Rate	APY
Platinum Money Market Shares	3.40%	3.40%
Min Balance $10,000 Details Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20% Oct 1, 20263.40%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market Shares	0.55%	0.55%
Min Balance $2,500 Details Minimum Balance of $2,500.00 Required to Earn Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage (Primary Residence)	-	-	7.00%	180 Months
Details Term: 180 Months (15 Years); Rates declared as of September 30, 2026; APR = Annual Percentage Rate; rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.30% → 7.00% ▲ 0.70 pts · high 7.00% / low 6.30% Oct 1, 20267.00%▲ from 6.75% Sep 22, 20266.75%▲ from 6.30% Sep 14, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
First Mortgage (Primary Residence)	-	-	7.35%	240 Months
Details Term: 240 Months (20 Years); Rates declared as of September 30, 2026; APR = Annual Percentage Rate; rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.45% → 7.35% ▲ 0.90 pts · high 7.35% / low 6.45% Oct 1, 20267.35%▲ from 7.12% Sep 22, 20267.12%▲ from 6.45% Sep 14, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
First Mortgage (Primary Residence)	-	-	7.50%	360 Months
Details Term: 360 Months (30 Years); Rates declared as of September 30, 2026; APR = Annual Percentage Rate; rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 1, 20267.50%▲ from 7.15% Sep 22, 20267.15%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Saver Loan - Fixed Rate / Closed End Term	-	-	6.00%	Up to 60 Months
Details Fixed Rate / Closed End Term; Rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Loan - Fixed Rate / Closed End Term	-	-	6.25%	Up to 60 Months
Details APR*; Rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Saver Loan - Fixed Rate / Closed End Term	-	-	6.25%	61 - 84 Months
Details Fixed Rate / Closed End Term; Rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Loan - Fixed Rate / Closed End Term	-	-	6.50%	61 - 120 Months
Details APR; Rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 27, 20266.50%▲ from 6.25%* Sep 22, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Loan - Fixed Rate / Closed End Term	-	-	6.75%	121 - 180 Months
Details APR; Rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 27, 20266.75%▲ from 6.50%* Sep 22, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	3.99%	12-60 months
Details Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	3.99%	12-24 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	4.25%	25-36 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	4.99%	37-60 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Auto Loans	-	-	5.50%	61-72 months
Details Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	5.50%	61-72 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Auto Loans	-	-	6.50%	73-84 months
Details Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans (New or Used)	-	4.24%	12-24 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.24%	12-24 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	4.24%	12-24 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.49%	25-36 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	4.74%	25-48 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.74%	37-48 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	4.74%	25-48 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.99%	49-60 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	5.24%	49-60 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	5.24%	61-72 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	5.24%	49-60 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.25%	12-36 months
Details Up to 72 months - No minimum - No maximum; 73-96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	5.49%	73-84 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.50%	37-48 months
Details Up to 72 months - No minimum - No maximum; 73-96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.50%	49-60 months
Details Up to 72 months - No minimum - No maximum; 73-96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	5.74%	61-84 months
Details 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	5.74%	61-84 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.75%	12-36 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.00%	61-72 months
Details Up to 72 months - No minimum - No maximum; 73-96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	6.24%	85-96 months
Details 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	6.24%	85-96 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Motorcycles Loan	-	6.25%	12-48 months
Details Up to $60,000.00; Up to 48 months - No minimum - $60,000.00 maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.25%	37-48 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.50%	73-84 months
Details 73-96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.50%	49-60 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	6.74%	97-120 months
Details 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	6.74%	97-120 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	6.99%	121-180 months
Details 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	6.99%	121-180 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.00%	85-96 months
Details 73-96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.00%	61-72 months
Details 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Motorcycles Loan	-	7.25%	49-60 months
Details Up to $60,000.00; 49-72 months - Minimum $10,000.00 - Maximum $60,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.50%	73-84 months
Details 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.75%	85-96 months
Details 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Motorcycles Loan	-	8.25%	61-72 months
Details Up to $60,000.00; 49-72 months - Minimum $10,000.00 - Maximum $60,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.49%	12-48 months
Details Up to $30,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Personal Loans	9.49%	49-60 months
Details Up to $30,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Personal Loans	9.99%	61-84 months
Details Up to $30,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Moog Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	6.15%	Up to 120 Months
Details APR*; Rate based on creditworthiness and term of loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Land Loans	-	-	7.80%	Up to 180 Months
Details Land Loans; APR = Annual Percentage Rate; Rate based on creditworthiness and term of loan; Contact credit union for terms and conditions Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 7.05% → 7.80% ▲ 0.75 pts · high 7.80% / low 7.05% Oct 1, 20267.80%▲ from 7.45% Sep 22, 20267.45%▲ from 7.05% Sep 14, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	7.00%	12-24 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	8.00%	25--72 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	9.00%	73-96 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	10.00%	97-180 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

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

Moog Employees Credit Union’s Texas Ratio stayed near 0.19% in Q3 2023 to 0.01% 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	$257M	0.01%	5.0	A+
March 31, 2026	$255M	0.38%	5.0	A+
December 31, 2025	$250M	0.34%	5.0	A+
September 30, 2025	$245M	0.11%	5.0	A+
June 30, 2025	$243M	0.36%	5.0	A+
March 31, 2025	$239M	0.00%	5.0	A+
December 31, 2024	$234M	0.29%	5.0	A+
September 30, 2024	$232M	0.01%	5.0	A+
June 30, 2024	$229M	0.05%	5.0	A+
March 31, 2024	$228M	0.06%	5.0	A+
December 31, 2023	$226M	0.29%	5.0	A+
September 30, 2023	$226M	0.19%	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 Moog Employees 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 Moog Employees 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 Moog Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Moog Employees Credit Union

Website http://www.moogfcu.com

Address 7181 SENECA St, EAST AURORA, NY 14052-0018

Phone 716-655-2360

Fax 716-655-1675

President PETER SCHNITZLER

CEO FRANK DUMOND

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 2

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+ (100/100)

Texas Ratio

0.01%

Return on Assets (ROA)

0.9958%

Return on Equity (ROE)

3.7393%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

257,334,060

Total Amount of Shares and Deposits

188,369,272

Total Shares and Deposits < 1 Year

187,131,482

Total Shares and Deposits 1 3 Years

1,237,791

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

11,008,289

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

11,008,289

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

177,360,983

Total Interest Expense (Sum of items 6 8)

1,264,426

Share Certificates

518

Number of Accounts for Share Drafts

4,213

IRA KEOGH Accounts

490

Number of Accounts for Regular Shares

9,568

Money Market Shares

874

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)

21,635,348

Total Liabilities

188,805,050

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Moog Employees Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Rankings are updated every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #2 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Moog Employees Credit Union

Does Moog Employees Credit Union offer CDs?

Yes. Moog Employees Credit Union current CD rates include its 12 Month Jumbo CD at 4.00% APY, its 12 Month Term CD at 3.75% APY and its 12 Month IRA CD at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Moog Employees Credit Union NCUA insured?

Yes. Moog Employees 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 Moog Employees Credit Union?

The highest Moog Employees Credit Union CD rate is its 12 Month Jumbo CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Moog Employees Credit Union offer?

Moog Employees Credit Union CD rates are 3.75% APY for a 12 month CD, 3.45% APY for a 2 year CD and 3.35% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Moog Employees Credit Union for its full lineup.

What is the highest savings rate at Moog Employees Credit Union?

The highest Moog Employees Credit Union savings rate is its IRA Savings at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Moog Employees Credit Union?

The highest Moog Employees Credit Union money market rate is its Platinum Money Market Shares at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Moog Employees Credit Union?

The lowest Moog Employees Credit Union mortgage rate is its First Mortgage (Primary Residence) at 7.00% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Moog Employees Credit Union?

The lowest Moog Employees Credit Union auto loan rate is its New Auto Loans at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Moog Employees Credit Union?

The lowest Moog Employees Credit Union personal loan rate is its Personal Loans at 8.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Moog Employees Credit Union operate?

Moog Employees 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 Moog Employees Credit Union?

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

Does Moog Employees Credit Union offer online and mobile banking?

Most modern institutions like Moog Employees 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: http://www.moogfcu.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 Moog Employees Credit Union rates compare?

Moog Employees Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has an A+ health rating. Moog Employees Credit Union's top rates are its 12 Month Jumbo CD at 4.00% APY, its IRA Savings at 0.15% APY, its Platinum Money Market Shares at 3.40% APY, its First Mortgage (Primary Residence) at 7.00% and its Personal Loans at 8.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Moog Employees Credit Union Rates

12-Month CD3.75%
24-Month CD3.45%
Savings0.15%
MMA3.40%

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

Compare to Other Credit Unions

Moog Employees Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Moog Employees Credit Union Texas Ratio

Moog Employees Credit Union Health Trend

Moog Employees Credit Union CD Rates

Moog Employees Credit Union Savings Rates

Moog Employees Credit Union Money Market Rates

Moog Employees Credit Union Mortgage Rates

Moog Employees Credit Union Home Equity & HELOC

Moog Employees Credit Union Auto Loan Rates

Moog Employees Credit Union RV, Boat and Powersport Loan Rates

Moog Employees Credit Union Personal Loan Rates

Moog Employees Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Moog Employees Credit Union earned the Top 100 Healthiest badge

Customer Reviews

Frequently Asked Questions About Moog Employees Credit Union

Does Moog Employees Credit Union offer CDs?

Are CDs from Moog Employees Credit Union NCUA insured?

What is the highest CD rate at Moog Employees Credit Union?

What CD terms does Moog Employees Credit Union offer?

What is the highest savings rate at Moog Employees Credit Union?

What is the highest money market rate at Moog Employees Credit Union?

What is the lowest mortgage rate at Moog Employees Credit Union?

What is the lowest auto loan rate at Moog Employees Credit Union?

What is the lowest personal loan rate at Moog Employees Credit Union?

How many branches does Moog Employees Credit Union operate?

Is a member application needed to join Moog Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Moog Employees Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Moog Employees Credit Union rates compare?

Current Moog Employees Credit Union Rates

Compare to Other Credit Unions