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EastRise Credit Union Rates & Review November 2026

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

Current rates for EastRise Credit Union include: 12-Month CD: 2.50%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 0.20%, MMA: 4.50%

Q: What CD terms does EastRise Credit Union offer?

EastRise Credit Union CD rates are 4.00% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with EastRise Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

EastRise Credit Union's 12 Month Variable-Rate CDs - Future Saver Plus rates are at 4.00%, Fixed-Rate CD - 1-year rates are at 3.75%, Fixed-Rate CD - 2-year rates are at 3.75%, Fixed-Rate CD - 3-year rates are at 3.75%, Fixed-Rate CD - 4-year rates are at 3.75%. EastRise Credit Union's savings rates are at 0.20%. EastRise Credit Union's money market rates are at 4.50%. EastRise Credit Union's checking rates are as high as 3.50%. EastRise Credit Union's MyChoice Mortgage - 1 to 6 years rates are at 6.38%, MyChoice Mortgage - 7 years rates are at 6.50%, Conventional Fixed Rate Mortgage - 15 Years rates are at 6.38%, MyChoice Mortgage - 8 years rates are at 6.63%, Conventional Fixed Rate Mortgage - 20 Years rates are at 6.50%. EastRise Credit Union's Personal Loan Rates are as low as 6.85%. EastRise Credit Union's Credit Card Rates are at 11.00%. EastRise Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of EastRise Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.84%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.84%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

EastRise Credit Union
Harvest Lane

141 Harvest Ln
Williston, VT 05495-7331

https://www.eastrise.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.

EastRise Credit Union CD Rates

Product	Rate	APY	Term
Fixed-Rate Certificate - 9-month Special (new money only)	-	4.20%	9-month
Min Balance $500 Details Certificate Special, limited time offer; available with new money only (funds not currently on deposit at EastRise); renews to 1-year term at maturity; minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 9-month Special	-	4.20%	9-month
Min Balance $500 Details Individual Retirement Account (IRA) Certificates; Certificate Special offered for a limited time, new money only (funds not currently on deposit at EastRise); renews to 1-year term at maturity Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 10-month Special	-	4.05%	10-month
Min Balance $500 Details Certificate Special, limited time offer; renews to 1-year term at maturity; minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 10-month Special	-	4.05%	10-month
Min Balance $500 Details Individual Retirement Account (IRA) Certificates; Certificate Special offered for a limited time; renews to 1-year term at maturity Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
12 Month Variable-Rate Certificates - Future Saver Plus	3.93%	4.00%	12-month
Min Balance $25 Details Balance: $25 - $5,000.00 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 1-year	-	3.75%	1-year
Min Balance $500 Details Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 2-year	-	3.75%	2-year
Min Balance $500 Details Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 3-year	-	3.75%	3-year
Min Balance $500 Details Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 4-year	-	3.75%	4-year
Min Balance $500 Details Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 5-year	-	3.75%	5-year
Min Balance $500 Details Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 1-year	-	3.75%	1-year
Min Balance $500 Details Individual Retirement Account (IRA) Certificates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 2-year	-	3.75%	2-year
Min Balance $500 Details Individual Retirement Account (IRA) Certificates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 3-year	-	3.75%	3-year
Min Balance $500 Details Individual Retirement Account (IRA) Certificates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 4-year	-	3.75%	4-year
Min Balance $500 Details Individual Retirement Account (IRA) Certificates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 5-year	-	3.75%	5-year
Min Balance $500 Details Individual Retirement Account (IRA) Certificates Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Certificate - 6-month	-	3.00%	6-month
Min Balance $500 Details Minimum balance to earn APY: $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Certificate 6-month	-	3.00%	6-month
Min Balance $500 Details Individual Retirement Account (IRA) Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
12 Month Variable-Rate Certificates - Future Saver	2.47%	2.50%	12-month
Min Balance $25 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificates - 9-month Special (new money only)	-	4.20%	9-month
Min Balance $1,000 Details Certificate Special, available with new money only (funds not currently on deposit at EastRise); renews to 1-year term at maturity; Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 10-month Special	-	4.05%	10-month
Min Balance $1,000 Details Certificate Special, limited time; renews to 1-year term at maturity; Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 1-Year	-	3.75%	1-Year
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 2-Year	-	3.75%	2-Year
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 3-Year	-	3.75%	3-Year
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 4-Year	-	3.75%	4-Year
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 5-Year	-	3.75%	5-Year
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 29, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 6-Month	-	3.00%	6-Month
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Certificates - 3-Month	-	0.75%	3-Month
Min Balance $1,000 Details Balance: $1,000 minimum to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Savings Rates

Product	Rate	APY
Holiday Savings	-	0.20%
Min Deposit $5 Details Savings Accounts table Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IRA Savings	-	0.20%
Min Deposit $5 Details Individual Retirement Account (IRA) Certificates; IRA Savings account requires a minimum balance of $5 to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Savings	-	0.20%
Min Deposit $5 Details Savings Accounts table Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	-	0.20%
Min Deposit $25 Details APY reflects the current minimum APY offered. Fees may reduce earnings. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Money Market Rates

Product	Rate	APY
Essential Money Market Account	-	4.50%
Min Deposit $1,000 Min Balance $2,500 Details Published APY range: 4.50% to 4.00%. Balance: $2,500.00 - $4,999.99; Limit one Essential Money Market account per person; Tiered rate account Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 4.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Essential Money Market Account	-	4.00%
Min Deposit $1,000 Min Balance $5,000 Details Published APY range: 4.00% to 3.25%. Balance: $5,000.00 - $9,999.99; Limit one Essential Money Market account per person; Tiered rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Essential Money Market Account	-	3.25%
Min Deposit $1,000 Min Balance $10,000 Details Published APY range: 3.25% to 0.32%. Balance: $10,000.00 and above; Limit one Essential Money Market account per person; Tiered rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	2.80%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/29/2026 Rate History 2 changes since Sep 21, 2026 · 2.65% → 2.80% ▲ 0.15 pts · high 2.80% / low 2.65% Oct 29, 20262.80%▲ from 2.75% Sep 25, 20262.75%▲ from 2.65% Sep 21, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	2.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History 2 changes since Sep 21, 2026 · 2.65% → 2.75% ▲ 0.10 pts · high 2.75% / low 2.65% Oct 29, 20262.75%▲ from 2.70% Sep 25, 20262.70%▲ from 2.65% Sep 21, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	2.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45% Oct 29, 20262.55%▲ from 2.50% Sep 25, 20262.50%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	2.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.05% → 2.15% ▲ 0.10 pts · high 2.15% / low 2.05% Oct 29, 20262.15%▲ from 2.05% Sep 14, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	1.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	1.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Money Market Account	-	1.45%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	2.40%
Min Balance $500,000 Details Balance: $500,000.00 and up; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Money Market	-	2.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Money Market	-	2.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Money Market	-	1.80%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Money Market	-	1.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Money Market	-	1.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Money Market	-	1.30%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Tiered rate account; the applicable dividend rate is applied to the total account balance Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Checking Rates

Product	Rate	APY
Checking Plus	-	3.50%
Min Deposit $25 Details Balance: $0.00 - $15,000.00 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
IORTA Checking	-	1.51%
Details IORTA & IOLTA; APY reflects the current minimum APY offered. Fees may reduce earnings. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Business Checking Rates

Product	Rate	APY
Business Basic Checking Account	-	0.05%
Min Balance $100 Details Balance: $100; APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Non-Profit Checking	-	0.05%
Min Balance $100 Details Balance: $100 - $999.99; Minimum Balance to Earn APY: $100 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Small Business Checking	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99; APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
MyChoice Mortgage - 1 to 6 years	-	-	6.38%	1 to 6 years
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
MyChoice Mortgage - 7 years	-	-	6.50%	7 years
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 15 Years	6.375%	1.000	6.597%	15 Years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
MyChoice Mortgage - 8 years	-	-	6.63%	8 years
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 20 Years	6.50%	1.000	6.678%	20 Years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.68% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 15 Years	6.625%	0.000	6.687%	15 Years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
MyChoice Mortgage - 9 years	-	-	6.75%	9 years
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 20 Years	6.75%	0.000	6.80%	20 Years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
MyChoice Mortgage - 10 years	-	-	6.88%	10 years
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 30 Years	6.75%	1.000	6.887%	30 Years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.00% → 6.89% ▼ 0.11 pts · high 7.00% / low 6.89% Oct 23, 20266.89%▼ from 7.00% Oct 13, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
HOME 5/1 Adjustable-Rate Loan	6.125%	-	6.912%	30 years
No additional details. Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.57% → 6.91% ▲ 0.34 pts · high 6.99% / low 6.57% Oct 29, 20266.91%▼ from 6.92% Oct 23, 20266.92%▼ from 6.94% Oct 15, 20266.94%▼ from 6.99% Oct 9, 20266.99%▲ from 6.96% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 10 Years	6.875%	0.000	6.963%	10 Years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional 5-Year Adjustable Rate Mortgage - 30 Years	6.375%	0.000	7.011%	30 Years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 7.02% → 7.01% ▼ 0.01 pts · high 7.02% / low 7.01% Oct 29, 20267.01%▼ from 7.02% Oct 23, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional Fixed Rate Mortgage - 30 Years	7.00%	0.000	7.039%	30 Years
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional 3-Year Adjustable Rate Mortgage - 30 Years	6.00%	0.000	7.052%	30 Years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 7.06% → 7.05% ▼ 0.01 pts · high 7.06% / low 7.05% Oct 29, 20267.05%▼ from 7.06% Oct 23, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
HOME 7/1 Adjustable-Rate Loan	6.875%	-	7.156%	30 years
No additional details. Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.80% → 7.16% ▲ 0.35 pts · high 7.24% / low 6.80% Oct 29, 20267.16%▼ from 7.16% Oct 23, 20267.16%▼ from 7.21% Oct 15, 20267.21%▼ from 7.24% Oct 9, 20267.24%▲ from 7.22% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Conventional 7-Year Adjustable Rate Mortgage - 30 Years	7.125%	0.000	7.288%	30 Years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 7.29% → 7.29% ▼ 0.00 pts · high 7.29% / low 7.29% Oct 29, 20267.29%▼ from 7.29% Oct 23, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Adjustable-Rate Land Loan (3/1 ARM)	6.50%	-	7.301%	10 Years
Details Term: 10 Years, 20-Year Amortization; Construction and Land Loan Options Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.96% → 7.30% ▲ 0.34 pts · high 7.37% / low 6.96% Oct 29, 20267.30%▼ from 7.31% Oct 23, 20267.31%▼ from 7.32% Oct 15, 20267.32%▼ from 7.37% Oct 9, 20267.37%▲ from 7.34% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Adjustable-Rate Land Loan (1/1 ARM)	6.00%	-	7.474%	10 Years
Details Term: 10 Years, 20-Year Amortization; Construction and Land Loan Options Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 7.14% → 7.47% ▲ 0.33 pts · high 7.53% / low 7.14% Oct 29, 20267.47%▼ from 7.48% Oct 23, 20267.48%▲ from 7.46% Oct 15, 20267.46%▼ from 7.53% Oct 9, 20267.53%▲ from 7.49% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.25%	60 months
Details As Low As; Type: Fixed rate; Loan to Value: Up to 80% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 23, 20266.25%▲ from 5.99% Oct 13, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Line of Credit	-	-	6.50%
Details As Low As; Loan to Value: Up to 80%; Type: Monthly adjustable rate Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Loan	-	-	7.00%	120 months
Details As Low As; Type: Fixed rate; Loan to Value: Up to 80% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 23, 20267.00%▲ from 6.75% Oct 13, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Loan	-	-	7.25%	60 months
Details As Low As; Type: Fixed rate; Loan to Value: Greater than 80% up to 90% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.99% → 7.25% ▲ 0.26 pts · high 7.25% / low 6.99% Oct 23, 20267.25%▲ from 6.99% Oct 13, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Loan	-	-	7.38%	180 months
Details As Low As; Type: Fixed rate; Loan to Value: Up to 80% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13% Oct 23, 20267.38%▲ from 7.13% Oct 13, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Line of Credit	-	-	8.00%
Details As Low As; Loan to Value: Greater than 80% up to 90%; Type: Monthly adjustable rate Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Loan	-	-	8.00%	120 months
Details As Low As; Type: Fixed rate; Loan to Value: Greater than 80% up to 90% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 23, 20268.00%▲ from 7.75% Oct 13, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Home Equity Loan	-	-	8.38%	180 months
Details As Low As; Type: Fixed rate; Loan to Value: Greater than 80% up to 90% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.13% → 8.38% ▲ 0.25 pts · high 8.38% / low 8.13% Oct 23, 20268.38%▲ from 8.13% Oct 13, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Green Vehicle Loan - 24 months	-	-	4.60%	24 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Vehicle Loan - 36 months	-	-	4.85%	36 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Vehicle Loan - 48 months	-	-	4.90%	48 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Vehicle Loan - 60 months	-	-	5.05%	60 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Vehicle Loan - 72 months	-	-	5.25%	72 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Vehicle Loan - 84 months	-	-	5.85%	84 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Green Vehicle Loan - 96 months	-	-	6.35%	96 months
Details APR as low as; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.35% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	5.50%	24 months
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Recreational Vehicle Loan	-	5.95%	36 months
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Recreational Vehicle Loan	-	6.40%	48 months
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.40% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Recreational Vehicle Loan	-	6.80%	60 months
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.80% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Recreational Vehicle Loan	-	7.24%	72 months
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Recreational Vehicle Loan	-	7.70%	84 months
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.70% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Credit Card Rates

Product	Rate	APR
Visa	-	11.00%
Details As Low As; Index: Wall Street Journal Prime plus margin; Maximum interest rate 18% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 23, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Visa Rewards	-	13.00%
Details As Low As; Index: Wall Street Journal Prime plus margin; Maximum interest rate 18% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 23, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Visa Credit Card	-	15.00%
Details Purchase APR as low as 15.00%; Cash Advance APR as low as 15.00%; APR reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 23, 202615.00%▲ from 14.75% Oct 13, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Visa Signature	-	15.00%
Details As Low As; Index: Wall Street Journal Prime plus margin; Maximum interest rate 18% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 23, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Personal Loan Rates

Product	APR	Term
Business Solar Loan	6.85%	Up to 12 Years
Details APR As Low As; Maximum Loan Amount: Varies by project; APR = annual percentage rate and reflects the current minimum APR offered. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.85% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Unsecured Personal Loan	10.50%	24-60 months
Details As Low As; APR as low as; Terms (up to) 24-60 months; APR may be adjusted based on individual credit standing and term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Personal Line of Credit	14.00%
Details Monthly minimum payment is 5% of the balance or $25, whichever is greater; APR may be adjusted based on individual credit standing and term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Visa Signature	15.00%
Details As Low As; Index: Wall Street Journal Prime plus margin; Maximum interest rate 18% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 23, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

EastRise Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Energy Loan	-	-	4.50%	Up to 3 Years
Details As Low As; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Energy Loan	-	-	5.50%	Up to 5 Years
Details As Low As; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Business Energy Loan	-	-	6.50%	Up to 10 Years
Details As Low As; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Energy Equity Loan	-	-	5.99%	60 months
Details As Low As; Fixed Rate; Loan to Value: Up to 80%; APR = annual percentage rate and reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 15, 20265.99%▲ from 5.74% Oct 13, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Energy Equity Loan	-	-	6.39%	120 months
Details As Low As; Fixed Rate; Loan to Value: Up to 80%; APR = annual percentage rate and reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.13% → 6.39% ▲ 0.26 pts · high 6.39% / low 6.13% Oct 15, 20266.39%▲ from 6.13% Oct 13, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Energy Equity Loan	-	-	6.99%	180 months
Details As Low As; Fixed Rate; Loan to Value: Up to 80%; APR = annual percentage rate and reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.75% → 6.99% ▲ 0.24 pts · high 6.99% / low 6.75% Oct 15, 20266.99%▲ from 6.75% Oct 13, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Energy Equity Loan	-	-	6.99%	60 months
Details As Low As; Fixed Rate; Loan to Value: Greater than 80% up to 90%; APR = annual percentage rate and reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 15, 20266.99%▲ from 6.74% Oct 13, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Energy Equity Loan	-	-	7.39%	120 months
Details As Low As; Fixed Rate; Loan to Value: Greater than 80% up to 90%; APR = annual percentage rate and reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.13% → 7.39% ▲ 0.26 pts · high 7.39% / low 7.13% Oct 15, 20267.39%▲ from 7.13% Oct 13, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Energy Equity Loan	-	-	7.99%	180 months
Details As Low As; Fixed Rate; Loan to Value: Greater than 80% up to 90%; APR = annual percentage rate and reflects the current minimum APR offered Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.75% → 7.99% ▲ 0.24 pts · high 7.99% / low 7.75% Oct 15, 20267.99%▲ from 7.75% Oct 13, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Fixed-Rate Construction Loan (interest only)	7.75%	-	8.302%	6 to 12 months
Details Construction and Land Loan Options Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.30% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Payday Loan Alternative	-	-	18.00%	1-12 months
Details Loan Amount: $200 - $2,000; APR reflects the current minimum APR offered and may be adjusted based on individual credit standing and term Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
VHFA 30-Year Advantage Loan	7.25%	-	7.289%	30 years
Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 6.54% → 7.29% ▲ 0.75 pts · high 7.29% / low 6.54% Oct 15, 20267.29%▲ from 7.04% Sep 29, 20267.04%▲ from 6.79% Sep 17, 20266.79%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
VHFA 30-Year Move Loan	6.75%	-	6.788%	30 years
Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 6.04% → 6.79% ▲ 0.75 pts · high 6.79% / low 6.04% Oct 15, 20266.79%▲ from 6.54% Sep 29, 20266.54%▲ from 6.29% Sep 17, 20266.29%▲ from 6.04% Sep 14, 20266.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Future Saver	2.47%	-	2.50%	12-month
Min Balance $25 Details Rates effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Future Saver Plus	3.93%	-	4.00%	12-month
Min Balance $25 Details Balance: $25 - $5,000.00; Tiered rate account; Rates effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%
Future Saver Plus	-	-	4.00%	12-month
Min Balance $5,000 Details Published APY range: 4.00% to 2.53%. Balance: $5,000.01 and over; Tiered rate account; Rates effective 10/29/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 21, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.00% / low 2.53% Oct 29, 20264.00%▲ from 2.53% Oct 23, 20262.53%▼ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.84%

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

EastRise Credit Union’s Texas Ratio rose from 2.54% in Q3 2023 to 3.84% 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	$3.2B	3.84%	5.0	A+
March 31, 2026	$3.2B	3.19%	5.0	A+
December 31, 2025	$3.2B	4.13%	5.0	A+
September 30, 2025	$3.1B	4.41%	5.0	A+
June 30, 2025	$3.1B	3.77%	5.0	A+
March 31, 2025	$3.1B	2.59%	5.0	A+
December 31, 2024	$3.0B	3.85%	5.0	A+
September 30, 2024	$3.0B	3.45%	5.0	A+
June 30, 2024	$3.1B	3.07%	5.0	A+
March 31, 2024	$3.0B	2.29%	5.0	A+
December 31, 2023	$3.0B	3.12%	5.0	A+
September 30, 2023	$3.0B	2.54%	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 EastRise 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 EastRise 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 EastRise Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name EastRise Credit Union

Website https://www.eastrise.com/

Address 141 Harvest Ln, Williston, VT 05495-7331

Phone 802-879-8790

Fax

President Spencer Newman

CEO Robert Miller

Full-Time Employees 452

Part-Time Employees 6

Branch Locations 17

ATM Locations 16

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.84%

Return on Assets (ROA)

0.5699%

Return on Equity (ROE)

4.6260%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

3,232,513,257

Total Amount of Shares and Deposits

2,650,157,728

Total Shares and Deposits < 1 Year

2,557,629,443

Total Shares and Deposits 1 3 Years

67,345,125

Total Shares and Deposits > 3 Years

25,183,160

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

198,251,829

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

198,251,829

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

2,451,905,899

Total Interest Expense (Sum of items 6 8)

24,087,898

Share Certificates

16,672

Number of Accounts for Share Drafts

92,026

IRA KEOGH Accounts

4,769

Number of Accounts for Regular Shares

143,703

Money Market Shares

22,841

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)

196,246,827

Total Liabilities

2,835,439,028

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

EastRise Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About EastRise Credit Union

Does EastRise Credit Union offer CDs?

Yes. EastRise Credit Union current CD rates include its 12 Month Variable-Rate CDs - Future Saver Plus at 4.00% APY, its Fixed-Rate CD - 1-year at 3.75% APY and its Fixed-Rate CD - 2-year at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from EastRise Credit Union NCUA insured?

Yes. EastRise 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 EastRise Credit Union?

The highest EastRise Credit Union CD rate is its Business CDs - 9-month Special (new money only) at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does EastRise Credit Union offer?

EastRise Credit Union CD rates are 4.00% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with EastRise Credit Union for its full lineup.

What is the highest savings rate at EastRise Credit Union?

The highest EastRise Credit Union savings rate is its Business Savings at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at EastRise Credit Union?

The highest EastRise Credit Union money market rate is its Essential Money Market Account at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at EastRise Credit Union?

The highest EastRise Credit Union checking rate is its Checking Plus at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at EastRise Credit Union?

The lowest EastRise Credit Union 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage - 30 Years at 6.75%, verified by MonitorBankRates as of October 29, 2026. EastRise Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.875% for a 10 year mortgage, 6.75% APR for a 9 year mortgage, 6.63% APR for an 8 year mortgage, 6.50% APR for a 7 year mortgage and 6.38% APR for a 6 year mortgage.

What is the lowest auto loan rate at EastRise Credit Union?

The lowest EastRise Credit Union auto loan rate is its Green Vehicle Loan - 24 months at 4.60% APR, verified by MonitorBankRates as of October 29, 2026. EastRise Credit Union auto loan rates are 4.60% APR for a 24 month auto loan, 4.85% APR for a 36 month auto loan, 4.90% APR for a 48 month auto loan, 5.05% APR for a 60 month auto loan, 5.25% APR for a 72 month auto loan, 5.85% APR for an 84 month auto loan and 6.35% APR for a 96 month auto loan.

What is the lowest personal loan rate at EastRise Credit Union?

The lowest EastRise Credit Union personal loan rate is its Unsecured Personal Loan at 10.50% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at EastRise Credit Union?

The lowest EastRise Credit Union credit card APR is its Visa Credit Card at 11.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does EastRise Credit Union operate?

EastRise 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 EastRise Credit Union?

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

Does EastRise Credit Union offer online and mobile banking?

Most modern institutions like EastRise 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.eastrise.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 EastRise Credit Union rates compare?

EastRise Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. EastRise Credit Union's top rates are its Business CDs - 9-month Special (new money only) at 4.20% APY, its Business Savings at 0.20% APY, its Essential Money Market Account at 4.50% APY, its Checking Plus at 3.50% APY, its Conventional 3-Year Adjustable Rate Mortgage - 30 Years at 6.00%, its Business Solar Loan at 6.85% APR and its Visa Credit Card at 11.00% APR, verified by MonitorBankRates on October 29, 2026.

Current EastRise Credit Union Rates

12-Month CD2.50%
24-Month CD3.75%
60-Month CD3.75%
Savings0.20%
MMA4.50%

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

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EastRise Credit Union Rates & Review November 2026

Brian McKay

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EastRise Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About EastRise Credit Union

Does EastRise Credit Union offer CDs?

Are CDs from EastRise Credit Union NCUA insured?

What is the highest CD rate at EastRise Credit Union?

What CD terms does EastRise Credit Union offer?

What is the highest savings rate at EastRise Credit Union?

What is the highest money market rate at EastRise Credit Union?

What is the highest checking rate at EastRise Credit Union?

What is the lowest 30 year fixed mortgage rate at EastRise Credit Union?

What is the lowest auto loan rate at EastRise Credit Union?

What is the lowest personal loan rate at EastRise Credit Union?

What is the lowest credit card APR at EastRise Credit Union?

How many branches does EastRise Credit Union operate?

Is a member application needed to join EastRise Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does EastRise 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 EastRise Credit Union rates compare?

Current EastRise Credit Union Rates

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