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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Nova Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
Nova Credit Union's Personal Loan Rates are at 14.00%. MonitorBankRates evaluates the financial stability of Nova Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates were last updated on 03/29/2026. Nova 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 Nova Credit Union? Share your experience about Nova Credit Union by leaving a review below, or read customer reviews before you decide to use Nova Credit Union. Nova Credit Union
Nova Credit Union 3601 Mulberry Church Rd
https://www.novacu.com Charlotte, NC 28208 
Nova Credit Union Credit Card Rates
Nova Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Nova 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 Nova 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 Nova Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Nova Credit Union
Website
https://www.novacu.com
Address
3601 Mulberry Church Rd,
Charlotte, NC 28208
Phone
704-392-3418
Fax
704-409-2220
President
Phillip Kridel
CEO
Michelle Hayes
Full-Time Employees
44
Part-Time Employees
5
Branch Locations
5
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.29%
Return on Assets (ROA)
0.2830%
Return on Equity (ROE)
1.6213%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
117,685,056
Total Amount of Shares and Deposits
97,318,077
Total Shares and Deposits < 1 Year
96,043,662
Total Shares and Deposits 1 3 Years
1,274,415
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,505,114
Total Uninsured Shares and Deposits > $250K (F+J)
2,505,114
Total Insured Shares and Deposits > $250K (item 17 less item K)
94,812,963
Total Interest Expense (Sum of items 6 8)
394,777
Share Certificates
276
Number of Accounts for Share Drafts
6,742
IRA KEOGH Accounts
310
Number of Accounts for Regular Shares
11,900
Money Market Shares
473
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,450,786
Total Liabilities
98,714,424
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Nova Credit UnionIs Nova Credit Union a safe place to deposit money?Yes, Nova Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2942827066438%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Nova Credit Union operate?Nova 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 Nova Credit Union?Yes, to access services at Nova 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, Nova 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, Nova Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Nova Credit Union offer online and mobile banking?Most modern institutions like Nova 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.novacu.com. Compare to Other Credit Unions
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