What are the current interest rates at EastRise Credit Union?

Current rates for EastRise Credit Union include: 12-Month CD: 3.55%, 24-Month CD: 3.55%, 60-Month CD: 3.65%, Savings: 0.20%, MMA: 1.30%

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EastRise Credit Union

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EastRise Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

EastRise Credit Union's 11 Month Business CDs rates are at 4.02%, 11 Month CD Special rates are at 4.02%, 11 Month Fixed-Rate CD rates are at 4.02%, 3 Year Business CDs rates are at 3.65%, 3 Year CD rates are at 3.65%. EastRise Credit Union's savings rates are at 0.20%. EastRise Credit Union's money market rates are at 1.30%. EastRise Credit Union's Fixed Rate Mortgage rates are at 5.75%, Conventional Mortgages - Fixed rate rates are at 6.50%, HOME 5/1 Adjustable-Rate Loan rates are at 5.88%, Conventional Mortgages - Fixed rate rates are at 6.62%, Conventional Mortgages - Fixed rate rates are at 6.50%. EastRise Credit Union's Personal Loan Rates are as low as 10.50%. EastRise Credit Union's Credit Card Rates are at 10.75%. 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 3.19%. Rates last updated and verified on 09/21/2026.

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

3.19%

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/

EastRise Credit Union CD Rates

Product	Rate	APY	Term
11 Month Business Certificates	-	4.02%	11-month Special*
Min Balance $1,000 Details The 11-month money certificate special will be offered for a limited time and will renew to the 1-year term at maturity. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
11 Month Certificate Special	-	4.02%	11-month Special
Min Balance $500 Details The 11-month money certificate special will be offered for a limited time and will renew to the 1-year term at maturity. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
11 Month Fixed-Rate Certificate	-	4.02%	11-month*
Min Balance $500 Details The 11-month Certificate will be renewed to the 1-year term at maturity. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
3 Year Business Certificates	-	3.65%	3-Year
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
3 Year Certificate	-	3.65%	3-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
3 Year Fixed-Rate Certificate	-	3.65%	3-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
4 Year Business Certificates	-	3.65%	4-Year
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
4 Year Certificate	-	3.65%	4-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
4 Year Fixed-Rate Certificate	-	3.65%	4-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
5 Year Business Certificates	-	3.65%	5-Year
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
5 Year Certificate	-	3.65%	5-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
5 Year Fixed-Rate Certificate	-	3.65%	5-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
1 Year Business Certificates	-	3.55%	1-Year
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
1 Year Certificate	-	3.55%	1-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
1 Year Fixed-Rate Certificate	-	3.55%	1-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
2 Year Business Certificates	-	3.55%	2-Year
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
2 Year Certificate	-	3.55%	2-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
2 Year Fixed-Rate Certificate	-	3.55%	2-year
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
6 Month Business Certificates	-	3.00%	6-Month
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
6 Month Certificate	-	3.00%	6-month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
6 Month Fixed-Rate Certificate	-	3.00%	6-month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
3 Month Business Certificates	-	0.75%	3-Month
Min Balance $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Savings Rates

Product	Rate	APY
Business Savings	-	0.20%
Min Deposit $25 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Holiday Savings	-	0.20%
Min Deposit $5 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Savings	-	0.20%
Min Deposit $5 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Money Market Rates

Product	Rate	APY
Essential Money Market Account	-	4.50%
Min Deposit $1,000 Min Balance $0 Details Balance: Up to $2,499.99; Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
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; Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
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; Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Essential Money Market Account	-	3.25%
Min Deposit $1,000 Min Balance $10,000 Details Published APY range: 3.25% to .32%. Balance: $10,000.00 and above; Fees may reduce earnings. Rates may change after account opening. Limit one Essential Money Market account per person. Minimum balance of $1,000 is required to open the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	2.65%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	2.65%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	2.45%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	2.40%
Min Balance $500,000 Details Balance: $500,000.00 and up Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	2.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	2.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	2.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	1.80%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	1.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	1.55%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	1.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	1.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Money Market Account	-	1.45%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Money Market Accounts	-	1.30%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Checking Rates

Product	Rate	APY
Checking Plus	-	3.50%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $15,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Checking Plus	-	3.50%
Min Deposit $25 Min Balance $15,000 Details Published APY range: 3.50% to .21%. Balance: $15,000.01 and above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business IOLTA Checking	-	1.51%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business IORTA Checking	-	1.51%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Basic Checking Account	-	0.05%
Min Balance $100 Details APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Checking Account	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Checking Account	-	0.05%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Checking Account	-	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Checking Account	-	0.05%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business No Dividend Checking Account	-	0.05%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Small Business Checking	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage	5.75%	-	5.79%	30 years
Details Payment example: A fixed rate loan of $180,000 for 30 years at a 5.750% interest and an APR of 5.786% is a $1,050.43 monthly payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	6.50%	1.000	6.64%	30 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
HOME 5/1 Adjustable-Rate Loan	5.88%	-	6.67%	30 years
Details APR = Annual Percentage Rate. Rates can vary according to individual loan situations. Rates and lock periods are subject to change. The payment amount may be higher if escrows for property taxes, homeowner's insurance, or mortgage insurance are applicable. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	6.63%	0.000	6.71%	10 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	6.50%	1.000	6.72%	15 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - 5-year adjustable rate	6.13%	0.000	6.77%	30 Years
Details Adjustable rates may adjust 2% annually after the fixed rate period with a 6% lifetime cap. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
30-Year Fixed-Rate Home Loan	-	-	6.79%	30-Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	6.75%	0.000	6.79%	30 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	6.75%	0.000	6.81%	15 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - 3-year adjustable rate	5.75%	0.000	6.81%	30 Years
Details Adjustable rates may adjust 2% annually after the fixed rate period with a 6% lifetime cap. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
HOME 7/1 Adjustable-Rate Loan	6.63%	-	6.91%	30 years
Details APR = Annual Percentage Rate. Rates can vary according to individual loan situations. Rates and lock periods are subject to change. The payment amount may be higher if escrows for property taxes, homeowner's insurance, or mortgage insurance are applicable. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - 7-year adjustable rate	6.88%	0.000	7.04%	30 Years
Details Adjustable rates may adjust 2% annually after the fixed rate period with a 6% lifetime cap. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	6.88%	1.000	7.06%	20 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Adjustable-Rate Land Loan (3/1 ARM)	6.25%	-	7.06%	10 Years
Details Term: 10 Years, 20-Year Amortization Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Conventional Mortgages - Fixed rate	7.13%	0.000	7.18%	20 Years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Adjustable-Rate Land Loan (1/1 ARM)	5.75%	-	7.24%	10 Years
Details Term: 10 Years, 20-Year Amortization Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	4.50%	15 years
Details Variable rate loan that may adjust monthly. Rates are as low as 4.50% APR as a floor and a maximum APR of 18.00%. APR may be adjusted based on individual credit standing and term. Members can borrow against the available line of credit for a period of 15 years, after which time the existing balance must be paid in full by making a monthly principal and interest payment in a new 15-year repayment period. Closing costs range from $130 to $1,500 to cover the appraisal fee and title update fee. A late fee of 5% of the payment may be charged for a payment more than 15 days late. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Loan - Fixed rate	-	-	5.99%	60 months
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity MyChoice Mortgage	-	-	6.13%	1 to 6 years
Details As Low As; MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity MyChoice Mortgage	-	-	6.25%	7 years
Details As Low As; MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity MyChoice Mortgage	-	-	6.38%	8 years
Details As Low As; MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Line of Credit - Monthly adjustable rate	-	-	6.50%
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity MyChoice Mortgage	-	-	6.50%	9 years
Details As Low As; MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity MyChoice Mortgage	-	-	6.63%	10 years
Details As Low As; MyChoice Mortgage maximum Loan To Value 85% or less. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Loan - Fixed rate	-	-	6.75%	120 months
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Loan - Fixed rate	-	-	6.99%	60 months
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Loan - Fixed rate	-	-	7.13%	180 months
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Loan - Fixed rate	-	-	7.75%	120 months
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Line of Credit - Monthly adjustable rate	-	-	8.00%
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Home Equity Loan - Fixed rate	-	-	8.13%	180 months
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Green Vehicle Loan	-	-	4.60%	24 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Vehicle Loan	-	-	4.85%	36 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Vehicle Loan	-	-	4.90%	48 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Vehicle Loan	-	-	5.05%	60 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Vehicle Loan	-	-	5.25%	72 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Vehicle Loan	-	-	5.85%	84 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Green Vehicle Loan	-	-	6.35%	96 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	5.50%	24 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Recreational Vehicle Loan	-	5.95%	36 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Recreational Vehicle Loan	-	6.40%	48 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Recreational Vehicle Loan	-	6.80%	60 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Recreational Vehicle Loan	-	7.24%	72 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Recreational Vehicle Loan	-	7.70%	84 months
Details APR as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Credit Card Rates

Product	Rate	APR
Visa	-	10.75%
Details See the Consumer Credit Card Application and Solicitation Disclosure for EastRise Visa, Visa Rewards, and Visa Signature details. The index is the Wall Street Journal Prime published on the 25th day of each month, plus your margin. All rates quoted are subject to change monthly, the maximum interest rate is 18%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. APR = annual percentage rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Visa Rewards	-	12.75%
Details See the Consumer Credit Card Application and Solicitation Disclosure for EastRise Visa, Visa Rewards, and Visa Signature details. The index is the Wall Street Journal Prime published on the 25th day of each month, plus your margin. All rates quoted are subject to change monthly, the maximum interest rate is 18%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. APR = annual percentage rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Visa Credit Card - Cash Advance	-	14.75%
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. See Business Credit Card Agreement and Disclosure for important terms and conditions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Visa Credit Card - Purchase	-	14.75%
Details As Low As; APR = annual percentage rate and reflects the current minimum APR offered. See Business Credit Card Agreement and Disclosure for important terms and conditions. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Visa Signature	-	14.75%
Details See the Consumer Credit Card Application and Solicitation Disclosure for EastRise Visa, Visa Rewards, and Visa Signature details. The index is the Wall Street Journal Prime published on the 25th day of each month, plus your margin. All rates quoted are subject to change monthly, the maximum interest rate is 18%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. APR = annual percentage rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan	10.50%	24-60 months
Details As Low As; APR may be adjusted based on your individual credit standing and term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Personal Line of Credit	14.00%
Details This is a line of credit and when activated the monthly minimum payment is equal to 5% of the balance or $25, whichever is greater. APR may be adjusted based on your individual credit standing and term. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Visa Signature	14.75%
Details See the Consumer Credit Card Application and Solicitation Disclosure for EastRise Visa, Visa Rewards, and Visa Signature details. The index is the Wall Street Journal Prime published on the 25th day of each month, plus your margin. All rates quoted are subject to change monthly, the maximum interest rate is 18%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit. Other rates and terms may be available. APR may be adjusted based on your individual credit standing and term. APR = annual percentage rate. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

EastRise Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Energy Loan	-	-	4.50%	3 Years
Details Maximum Loan Amount: $50,000; 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Energy Loan	-	-	5.50%	5 Years
Details Maximum Loan Amount: $50,000; 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Energy Loan	-	-	6.50%	10 Years
Details Maximum Loan Amount: $50,000; 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Business Solar Loan	-	-	6.85%	12 Years
Details 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Construction Loan	7.75%	-	8.30%	30 years
Details A fixed rate loan of $180,000 fully advanced at a 7.750% interest and an APR of 8.302% is a $1162.50 interest-only monthly payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Energy Equity Loan - Fixed Rate	-	-	5.74%	60 months
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Energy Equity Loan - Fixed Rate	-	-	6.13%	120 months
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Energy Equity Loan - Fixed Rate	-	-	6.75%	180 months
Details Loan to Value: Up to 80% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Energy Equity Loan - Fixed Rate	-	-	6.74%	60 months
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Energy Equity Loan - Fixed Rate	-	-	7.13%	120 months
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Energy Equity Loan - Fixed Rate	-	-	7.75%	180 months
Details Loan to Value: Greater than 80% up to 90% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Fixed-Rate Construction Loan (interest only)	7.75%	-	8.30%	6 to 12 months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
VHFA 30-Year Advantage Loan	6.75%	-	6.79%	30 years
Details APR = Annual Percentage Rate. Rates can vary according to individual loan situations. Rates and lock periods are subject to change. The payment amount may be higher if escrows for property taxes, homeowner's insurance, or mortgage insurance are applicable. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
VHFA 30-Year Move Loan	6.25%	-	6.29%	30 years
Details APR = Annual Percentage Rate. Rates can vary according to individual loan situations. Rates and lock periods are subject to change. The payment amount may be higher if escrows for property taxes, homeowner's insurance, or mortgage insurance are applicable. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Future Saver	2.47%	-	2.50%	12-month
Min Balance $25 Details Balance: $25; For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Future Saver Plus	3.93%	-	4.00%	12-month
Min Balance $25 Details Balance: $25 - $5,000.00; For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%
Future Saver Plus	2.47%	-	4.00%	12-month
Min Balance $5,000 Details Published APY range: 4.00% to 2.53%. Balance: $5,000.01 and over; For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.19%

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.
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Financial Health History

EastRise Credit Union’s Texas Ratio rose from 2.05% in Q2 2023 to 3.19% in Q1 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
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+
June 30, 2023	$3.0B	2.05%	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 John Dwyer, Jr

Full-Time Employees 453

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

3.19%

Return on Assets (ROA)

0.1121%

Return on Equity (ROE)

0.9271%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

3,171,844,958

Total Amount of Shares and Deposits

2,608,474,254

Total Shares and Deposits < 1 Year

2,512,258,867

Total Shares and Deposits 1 3 Years

69,275,021

Total Shares and Deposits > 3 Years

26,940,362

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

196,322,224

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

196,322,224

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

2,412,152,030

Total Interest Expense (Sum of items 6 8)

11,919,884

Share Certificates

16,099

Number of Accounts for Share Drafts

91,396

IRA KEOGH Accounts

4,779

Number of Accounts for Regular Shares

144,404

Money Market Shares

21,448

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)

178,734,368

Total Liabilities

2,789,402,666

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

EastRise Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About EastRise Credit Union

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/.

Current EastRise Credit Union Rates

12-Month CD3.55%
24-Month CD3.55%
60-Month CD3.65%
Savings0.20%
MMA1.30%

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

Compare to Other Credit Unions

EastRise Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

EastRise Credit Union Texas Ratio

EastRise Credit Union Health Trend

EastRise Credit Union CD Rates

EastRise Credit Union Savings Rates

EastRise Credit Union Money Market Rates

EastRise Credit Union Checking Rates

EastRise Credit Union Mortgage Rates

EastRise Credit Union Home Equity & HELOC

EastRise Credit Union Auto Loan Rates

EastRise Credit Union RV, Boat and Powersport Loan Rates

EastRise Credit Union Credit Card Rates

EastRise Credit Union Personal Loan Rates

EastRise Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

EastRise Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current EastRise Credit Union Rates

Compare to Other Credit Unions