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N.E.W. Credit Union Rates & Review November 2026

N.E.W. Credit Union's 36 Month CD rates are at 3.00%, 60 Month CD rates are at 3.00%, 12 Month CD rates are at 2.50%, 24 Month CD rates are at 2.50%, 6 Month CD rates are at 1.50%. N.E.W. Credit Union's savings rates are at 0.15%. N.E.W. Credit Union's money market rates are at 1.00%. N.E.W. Credit Union's checking rates are as high as 0.10%. N.E.W. Credit Union's Mortgage - 5 Year Balloon rates are at 5.99%, Mortgage - 10 Year Balloon rates are at 6.19%, Home Loan - 10 Year Fixed rates are at 6.19%, Home Loan - 15 Year Fixed rates are at 6.49%, Home Loan - 20 Year Fixed rates are at 7.25%. N.E.W. Credit Union's Personal Loan Rates are as low as 9.50%. N.E.W. Credit Union's Credit Card Rates are at 12.65%. N.E.W. Credit Union's CD rates are 22% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of N.E.W. Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates last updated and verified on 10/30/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.12%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
N.E.W. Credit Union
N.E.W. Credit Union Main Office
301 Jackson St
Oconto Falls, WI 54154-1120
https://www.newcu.org
Member NCUA
Customer Reviews
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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.

N.E.W. Credit Union CD Rates

Product Rate APY Term View More
10 Month Special Certificate 5.00% 5.00% 10 Month
Min Deposit $5,000
Details $5,000 minimum and $100,000 maximum deposit. Limited time offer; APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
1 change since Sep 22, 2026 · 4.25% → 5.00% ▲ 0.75 pts · high 5.00% / low 4.25%
3.50%4.63%5.75%Sep 22, 2026: 4.25% APYOct 5, 2026: 5.00% APYSep 22, 2026Nov 2, 2026
  • Oct 5, 20265.00%▲ from 4.25%
  • Sep 22, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
21 Month Special Certificate 4.00% 4.00% 21 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
7 Month Special Certificate 4.00% 4.00% 7 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
36 Month Certificate 3.00% 3.00% 36 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
60 Month Certificate 3.00% 3.00% 60 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
12 Month Certificate 2.50% 2.50% 12 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
24 Month Certificate 2.50% 2.50% 24 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
6 Month Certificate 1.50% 1.50% 6 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 9 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
3 Month Certificate 0.75% 0.75% 3 Month
Min Deposit $1,000
Details APY effective as 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 9 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Savings Rates

Product Rate APY View More
Holiday Savings 0.15% 0.15%
Min Deposit $0
Details Compounded: ANNUALLY; Monthly service charge if balance falls below minimum requirement; APYs effective as 6/16/2026
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Share Savings 0.15% 0.15%
Min Deposit $10
Details Compounded: MONTHLY; Monthly service charge if balance falls below minimum requirement; APYs effective as 6/16/2026
Last Updated 10/30/2026
Rate History
No change since Sep 16, 2026 · 0.15% APY · checked 11 times
0.00%0.33%0.65%Sep 16, 2026: 0.15% APYSep 16, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Teen Savings 0.15% 0.15%
Min Deposit $10
Details Compounded: MONTHLY; Monthly service charge if balance falls below minimum requirement; APYs effective as 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Youth Savings 0.15% 0.15%
Min Deposit $10
Details Compounded: MONTHLY; Monthly service charge if balance falls below minimum requirement; APYs effective as 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.00% 1.00%
Min Balance $25,000
Details Balance: $25,000+; Compounded monthly
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Money Market 0.75% 0.75%
Min Balance $10,000
Details Balance: $10,000 - $24,999; Compounded monthly
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 10 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Money Market 0.70% 0.70%
Min Balance $2,500
Details Balance: $2,500 - $9,999; Compounded monthly
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 10 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Money Market 0.65% 0.65%
Min Balance $500
Details Balance: $500 - $2,499; Compounded monthly; Monthly service charge if balance falls below $500
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 10 times
0.15%0.65%1.15%Sep 18, 2026: 0.65% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Checking Rates

Product Rate APY View More
Plus Checking 0.10% 0.10%
Min Deposit $500
Details Compounded: Monthly; Monthly service charge if balance falls below minimum requirement
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Business Checking Rates

Product Rate APY View More
Business Checking 0.10% 0.10%
Min Deposit $500
Details Compounded: Monthly; Monthly service charge if balance falls below minimum requirement
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgage - 5 Year Balloon 5.99% - 6.053% 5 Year
Details As Low As; Balloon loan; 5 and 10 Year Balloon payment examples use 30-year amortization; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.05% APR · checked 3 times
5.55%6.05%6.55%Oct 19, 2026: 6.05% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Mortgage - 10 Year Balloon 6.19% - 6.231% 10 Year
Details As Low As; Balloon loan; 5 and 10 Year Balloon payment examples use 30-year amortization; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.23% APR · checked 3 times
5.73%6.23%6.73%Oct 19, 2026: 6.23% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Home Loan - 10 Year Fixed 6.19% - 6.306% 10 Year
Details Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.31% APR · checked 3 times
5.81%6.31%6.81%Oct 19, 2026: 6.31% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Home Loan - 15 Year Fixed 6.49% - 6.574% 15 Year
Details Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.57% APR · checked 3 times
6.07%6.57%7.07%Oct 19, 2026: 6.57% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Home Loan - 20 Year Fixed 7.25% - 7.321% 20 Year
Details Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 7.32% APR · checked 3 times
6.82%7.32%7.82%Oct 19, 2026: 7.32% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Home Loan - 30 Year Fixed 7.50% - 7.557% 30 Year
Details Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 7.56% APR · checked 3 times
7.06%7.56%8.06%Oct 19, 2026: 7.56% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.78%
Details As Low As; Revolving; Variable rate. Minimum payment is $1.00 for each $100.00 of outstanding balance, or $100.00, whichever is greater. APR may adjust January 1 and July 1 of each year based on U.S. Treasury constant maturity index (Federal Reserve H.5).
Last Updated 10/30/2026
Rate History
No change since Sep 16, 2026 · 6.78% APR · checked 11 times
6.28%6.78%7.28%Sep 16, 2026: 6.78% APRSep 16, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Down Under Loan New Vehicles: 2020 & Newer - - 3.99% 36 Months
Details As Low As; Estimated monthly payment per $1000: $29.52; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 10/1/2026; $5000 minimum; offer not available on existing loans; available October 1, 2026 to November 15, 2026
Last Updated 10/30/2026
Rate History
No change since Oct 30, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 30, 2026: 3.99% APROct 30, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan New Vehicles: 2020 & Newer - - 3.99% 48 Months
Details As Low As; Estimated monthly payment per $1000: $22.57; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 10/1/2026; $5000 minimum; offer not available on existing loans; available October 1, 2026 to November 15, 2026
Last Updated 10/30/2026
Rate History
No change since Oct 30, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 30, 2026: 3.99% APROct 30, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan New Vehicles: 2020 & Newer - - 3.99% 60 Months
Details As Low As; Estimated monthly payment per $1000: $18.41; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 10/1/2026; $5000 minimum; offer not available on existing loans; available October 1, 2026 to November 15, 2026
Last Updated 10/30/2026
Rate History
No change since Oct 30, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 30, 2026: 3.99% APROct 30, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan New Vehicles: 2020 & Newer - - 3.99% 72 Months
Details As Low As; Estimated monthly payment per $1000: $15.64; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 10/1/2026; $5000 minimum; offer not available on existing loans; available October 1, 2026 to November 15, 2026
Last Updated 10/30/2026
Rate History
No change since Oct 30, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 30, 2026: 3.99% APROct 30, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan Special - New Vehicles: 2020 & Newer - - 3.99% 36 Months
Details As Low As; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Annual Percentage Rate effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan Special - New Vehicles: 2020 & Newer - - 3.99% 48 Months
Details As Low As; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Annual Percentage Rate effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan Special - New Vehicles: 2020 & Newer - - 3.99% 60 Months
Details As Low As; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Annual Percentage Rate effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan Special - New Vehicles: 2020 & Newer - - 3.99% 72 Months
Details As Low As; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Annual Percentage Rate effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan - - 4.25% 36 Months
Details As Low As; Model Year: 2022 & Newer; APR effective as of 6/16/2026 and subject to change; individual rates may vary by down payment, age of collateral, mileage, credit history, and credit score; member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan - - 4.25% 48 Months
Details As Low As; Model Year: 2022 & Newer; APR effective as of 6/16/2026 and subject to change; individual rates may vary by down payment, age of collateral, mileage, credit history, and credit score; member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan - - 4.25% 60 Months
Details As Low As; Model Year: 2022 & Newer; APR effective as of 6/16/2026 and subject to change; individual rates may vary by down payment, age of collateral, mileage, credit history, and credit score; member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan - - 4.25% 72 Months
Details As Low As; Model Year: 2022 & Newer; APR effective as of 6/16/2026 and subject to change; individual rates may vary by down payment, age of collateral, mileage, credit history, and credit score; member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer Loan - - 4.25% 36 Months
Details As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Oct 9, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer Loan - - 4.25% 48 Months
Details As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Oct 9, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer Loan - - 4.25% 60 Months
Details As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Oct 9, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer Loan - - 4.25% 72 Months
Details As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Oct 9, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan Used Vehicles: 2016 - 2019 - - 4.49% Up to 60 Months
Details As Low As; Vehicles, Boats, RVs, Motorcycles, etc.; Estimated monthly payment per $1000 for 60 months: $18.64; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Any vehicles 2015 and older please refer to Personal Loan Rates; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Oct 5, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Oct 5, 2026: 4.49% APROct 5, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan New Vehicles: 2020 & Newer - - 4.50% 84 Months
Details As Low As; Estimated monthly payment per $1000: $13.90; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 10/1/2026; $5000 minimum; offer not available on existing loans; available October 1, 2026 to November 15, 2026
Last Updated 10/30/2026
Rate History
No change since Oct 5, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APROct 5, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Down Under Loan Special - New Vehicles: 2020 & Newer - - 4.50% 84 Months
Details As Low As; Rate available October 1, 2026 to November 15, 2026; $5000 minimum; Offer not available on existing loans; Annual Percentage Rate effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer (Vehicles, Boats, RVs, Motorcycles, etc.) Loan - - 4.75% 84 Months
Details As Low As; Model Year: 2022 & Newer; APR effective as of 6/16/2026 and subject to change; individual rates may vary by down payment, age of collateral, mileage, credit history, and credit score; member eligibility required
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
New Vehicles: 2022 & Newer Loan - - 4.75% 84 Months
Details As Low As; Model Year: 2022 & Newer; Vehicles, Boats, RVs, Motorcycles, etc.; APR effective as of 6/16/2026; Member eligibility required
Last Updated 10/30/2026
Rate History
No change since Oct 9, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Used Vehicles: 2016 - 2021 (Vehicles, Boats, RVs, Motorcycles, etc.) Loan - - 5.49% Up to 60 Months
Details As Low As; Model years 2016 - 2021; Vehicles 2015 and older refer to Personal Loan Rates
Last Updated 10/30/2026
Rate History
2 changes since Sep 18, 2026 · 5.49% → 5.49% ▼ 0.00 pts · high 5.49% / low 4.49%
3.49%4.99%6.49%Sep 18, 2026: 5.49% APROct 5, 2026: 4.49% APROct 13, 2026: 5.49% APRSep 18, 2026Nov 2, 2026
  • Oct 13, 20265.49%▲ from 4.49%
  • Oct 5, 20264.49%▼ from 5.49%
  • Sep 18, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Low Rate - 12.65%
Details APR range: 12.65% - 22.65%; APRs vary with the Prime Rate; based on credit worthiness
Last Updated 10/30/2026
Rate History
No change since Sep 16, 2026 · 12.65% APR · checked 11 times
12.15%12.65%13.15%Sep 16, 2026: 12.65% APRSep 16, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
MasterCard Credit Builder - 14.15%
Details APR range: 14.15% - 24.15%; APRs vary with the Prime Rate; based on credit worthiness
Last Updated 10/30/2026
Rate History
No change since Sep 16, 2026 · 14.15% APR · checked 11 times
13.65%14.15%14.65%Sep 16, 2026: 14.15% APRSep 16, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
MasterCard Platinum Rewards - 15.65%
Details APR range: 15.65% - 25.65%; APRs vary with the Prime Rate; based on credit worthiness
Last Updated 10/30/2026
Rate History
No change since Sep 16, 2026 · 15.65% APR · checked 11 times
15.15%15.65%16.15%Sep 16, 2026: 15.65% APRSep 16, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Personal Loan Rates

Product APR Term View More
Personal Unsecured Signature Loan 9.50%
Details As Low As; Rates may vary based on term, credit history, and credit score; Annual Percentage Rates effective as of 6/16/2026
Last Updated 10/30/2026
Rate History
No change since Oct 5, 2026 · 9.50% APR · checked 6 times
9.00%9.50%10.00%Oct 5, 2026: 9.50% APROct 5, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

N.E.W. Credit Union Other Rates

Product Rate Points APY/APR Term View More
Holiday Loan Special - - 7.90% 12 months
Details Maximum loan amount of $5000.00 for a term of 12 months; available October 1, 2026 to December 31, 2026; APR effective as of 10/1/2026; rate subject to credit worthiness
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 7.90% APR · checked 4 times
7.40%7.90%8.40%Oct 13, 2026: 7.90% APROct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Home Loan - 10 Year Balloon 6.19% - 6.231% 10 Year
Details Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.23% APR · checked 3 times
5.73%6.23%6.73%Oct 19, 2026: 6.23% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Home Loan - 5 Year Balloon 5.99% - 6.053% 5 Year
Details Rates based on credit score of 740 and higher; APR includes loan processing fee; APRs effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.05% APR · checked 3 times
5.55%6.05%6.55%Oct 19, 2026: 6.05% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Mortgage - 10 Year Fixed 6.19% - 6.306% 10 Year
Details As Low As; Fixed rate; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.31% APR · checked 3 times
5.81%6.31%6.81%Oct 19, 2026: 6.31% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Mortgage - 15 Year Fixed 6.49% - 6.574% 15 Year
Details As Low As; Fixed rate; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.57% APR · checked 3 times
6.07%6.57%7.07%Oct 19, 2026: 6.57% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Mortgage - 20 Year Fixed 7.25% - 7.321% 20 Year
Details As Low As; Fixed rate; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 7.32% APR · checked 3 times
6.82%7.32%7.82%Oct 19, 2026: 7.32% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
Mortgage - 30 Year Fixed 7.50% - 7.557% 30 Year
Details As Low As; Fixed rate; rates based on a credit score of 740 and higher; APR includes a loan processing fee; effective as of 10/1/2026
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 7.56% APR · checked 3 times
7.06%7.56%8.06%Oct 19, 2026: 7.56% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%
IRA 2.50% - 2.50%
Min Deposit $0
Details Compounded monthly; APYs effective as 6/16/2026 and subject to change
Last Updated 10/30/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.12%

Financial Health History

N.E.W. Credit Union’s Texas Ratio fell from 2.94% in Q3 2023 to 2.12% 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.

0% 1.0★ 1% 2.0★ 2% 3.0★ 3% 4.0★ 4% 5.0★ Healthy zone – entire history below the 15% limit 2.94% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.12% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$178M2.12%5.0A+
March 31, 2026$172M2.87%5.0A+
December 31, 2025$165M2.43%5.0A+
September 30, 2025$158M2.49%5.0A+
June 30, 2025$157M2.13%5.0A+
March 31, 2025$154M1.02%5.0A+
December 31, 2024$151M0.87%5.0A+
September 30, 2024$150M1.47%5.0A+
June 30, 2024$149M2.16%5.0A+
March 31, 2024$151M2.24%5.0A+
December 31, 2023$150M2.30%5.0A+
September 30, 2023$151M2.94%5.0A+
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 N.E.W. 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 N.E.W. 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 N.E.W. Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name N.E.W. Credit Union
Address 301 Jackson St, Oconto Falls, WI 54154-1120
Phone 920-848-2793
Fax 920-848-4295
President William Kamke
CEO Lisa Gilligan
Full-Time Employees 40
Part-Time Employees 6
Branch Locations 7
ATM Locations 4
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.12%
Return on Assets (ROA)
0.6289%
Return on Equity (ROE)
5.6704%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
178,225,440
Total Amount of Shares and Deposits
154,302,790
Total Shares and Deposits < 1 Year
151,708,406
Total Shares and Deposits 1 3 Years
2,140,115
Total Shares and Deposits > 3 Years
454,267
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,399,286
Total Uninsured Shares and Deposits > $250K (F+J)
6,399,286
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,903,504
Total Interest Expense (Sum of items 6 8)
529,370
Share Certificates
1,012
Number of Accounts for Share Drafts
9,484
IRA KEOGH Accounts
365
Number of Accounts for Regular Shares
17,092
Money Market Shares
447
Net Income (unless the amount is already included in Undivided Earnings)
1,120,780
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)
4,098,100
Total Liabilities
158,489,866
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

N.E.W. Credit Union earned the Verified Healthy badge

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

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

<a href="https://www.monitorbankrates.com/credit-unions/new-credit-union-rates-review-67017">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About N.E.W. Credit Union

Does N.E.W. Credit Union offer CDs?

Yes. N.E.W. Credit Union current CD rates include its 36 Month CD at 3.00% APY, its 60 Month CD at 3.00% APY and its 12 Month CD at 2.50% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from N.E.W. Credit Union NCUA insured?

Yes. N.E.W. 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 N.E.W. Credit Union?

The highest N.E.W. Credit Union CD rate is its 10 Month Special CD at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does N.E.W. Credit Union offer?

N.E.W. Credit Union CD rates are 1.50% APY for a 6 month CD, 2.50% APY for a 12 month CD, 2.50% APY for a 2 year CD, 3.00% APY for a 3 year CD and 3.00% APY for a 5 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 N.E.W. Credit Union for its full lineup.

What is the highest savings rate at N.E.W. Credit Union?

The highest N.E.W. Credit Union savings rate is its Holiday Savings at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at N.E.W. Credit Union?

The highest N.E.W. Credit Union money market rate is its Money Market at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at N.E.W. Credit Union?

The highest N.E.W. Credit Union checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at N.E.W. Credit Union?

The lowest N.E.W. Credit Union 30 year fixed mortgage rate is its Home Loan - 30 Year Fixed at 7.50%, verified by MonitorBankRates as of October 30, 2026. N.E.W. Credit Union mortgage rates are 7.50% for a 30 year mortgage, 7.25% for a 20 year mortgage, 6.49% for a 15 year mortgage, 6.19% for a 10 year mortgage and 5.99% for a 5 year mortgage.

What is the lowest auto loan rate at N.E.W. Credit Union?

The lowest N.E.W. Credit Union auto loan rate is its Down Under Loan New Vehicles: 2020 & Newer at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at N.E.W. Credit Union?

The lowest N.E.W. Credit Union personal loan rate is its Personal Unsecured Signature Loan at 9.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at N.E.W. Credit Union?

The lowest N.E.W. Credit Union credit card APR is its MasterCard Low Rate Credit Card at 12.65% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does N.E.W. Credit Union operate?

N.E.W. 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 N.E.W. Credit Union?

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

Does N.E.W. Credit Union offer online and mobile banking?

Most modern institutions like N.E.W. 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.newcu.org.

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 N.E.W. Credit Union rates compare?

N.E.W. Credit Union's CD rates are 22% lower than the MonitorBankRates national average, and it has an A+ health rating. N.E.W. Credit Union's top rates are its 10 Month Special CD at 5.00% APY, its Holiday Savings at 0.15% APY, its Money Market at 1.00% APY, its Business Checking at 0.10% APY, its Mortgage - 5 Year Balloon at 5.99%, its Personal Unsecured Signature Loan at 9.50% APR and its MasterCard Low Rate Credit Card at 12.65% APR, verified by MonitorBankRates on October 30, 2026.

Current N.E.W. Credit Union Rates

  • 12-Month CD2.50%
  • 24-Month CD2.50%
  • 60-Month CD3.00%
  • Savings0.15%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.