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Advertiser Disclosure
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 Motion Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 12, 2026
Motion Federal Credit Union's top rates as of October 12, 2026 are 3.09% APY on its IRA 18-23 MONTH CD, 0.01% APY on savings, 1.46% APY on money market accounts, 7.25% on its 15-Year Fixed mortgage, personal loans from 8.60% APR, and credit cards from 8.60% APR, according to rates verified by MonitorBankRates. Other Motion Federal Credit Union CD rates include IRA 12-17 MONTH CD at 2.94%, 12-17 MONTH CD at 2.68%, and IRA 24-35 MONTH CD at 2.68%. Other Motion Federal Credit Union mortgage rates include 20-Year Fixed at 7.50%, and 30-Year Fixed at 7.88%. MonitorBankRates evaluates the financial stability of Motion Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.53%. Rates last updated and verified on 10/12/2026. Motion Federal 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 Motion Federal Credit Union? Share your experience about Motion Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Motion Federal Credit Union. 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. Motion Federal Credit Union CD Rates
Motion Federal Credit Union Savings Rates
Motion Federal Credit Union Money Market Rates
Motion Federal Credit Union Mortgage Rates
Motion Federal Credit Union Home Equity & HELOC
Motion Federal Credit Union Auto Loan Rates
Motion Federal Credit Union RV, Boat and Powersport Loan Rates
Motion Federal Credit Union Credit Card Rates
Motion Federal Credit Union Personal Loan Rates
Motion Federal Credit Union Other Rates
Financial Health HistoryMotion Federal Credit Union’s Texas Ratio stayed near 5.16% in Q3 2023 to 5.53% 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Motion Federal 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 Motion Federal 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 Motion Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Motion Federal Credit Union
Website
https://www.motionfcu.org
Address
360 N Wood Ave,
Linden, NJ 07036
Phone
908-862-6966
Fax
908-862-6961
President
Jeffrey Lemanowicz
CEO
Michael Greenwood
Full-Time Employees
14
Part-Time Employees
3
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.53%
Return on Assets (ROA)
0.2032%
Return on Equity (ROE)
1.9720%
Non-Performing Loans Ratio (NPL)
0.94%
Total Assets
60,151,910
Total Amount of Shares and Deposits
53,197,971
Total Shares and Deposits < 1 Year
53,071,985
Total Shares and Deposits 1 3 Years
120,797
Total Shares and Deposits > 3 Years
5,189
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,395,420
Total Uninsured Shares and Deposits > $250K (F+J)
5,395,420
Total Insured Shares and Deposits > $250K (item 17 less item K)
47,802,551
Total Interest Expense (Sum of items 6 8)
82,094
Share Certificates
150
Number of Accounts for Share Drafts
3,469
IRA KEOGH Accounts
100
Number of Accounts for Regular Shares
5,854
Money Market Shares
185
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)
1,442,872
Total Liabilities
54,259,459
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Motion Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Motion Federal Credit Union
Frequently Asked Questions About Motion Federal Credit UnionHow many branches does Motion Federal Credit Union operate?Motion Federal 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 Motion Federal Credit Union?Yes, to access services at Motion Federal 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, Motion Federal 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, Motion Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Motion Federal Credit Union offer online and mobile banking?Most modern institutions like Motion Federal 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.motionfcu.org. Current Motion Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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