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OAS Staff Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
OAS Staff Federal Credit Union's 12 Month Regular CDs rates are at 3.05%, 6 Month Regular CDs rates are at 2.79%, 24 Month Regular CDs rates are at 2.63%, 60 Month Regular CDs rates are at 2.63%, 48 Month Regular CDs rates are at 2.53%. OAS Staff Federal Credit Union's savings rates are at 0.10%. OAS Staff Federal Credit Union's checking rates are as high as 2.12%. OAS Staff Federal Credit Union's Personal Loan Rates are as low as 8.44%. OAS Staff Federal Credit Union's Credit Card Rates are at 10.00%. OAS Staff Federal Credit Union's CD rates are 8% lower than the MonitorBankRates national average, and it has a B health rating. MonitorBankRates evaluates the financial stability of OAS Staff Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.26%. Rates last updated and verified on 10/29/2026.
OAS Staff Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OAS Staff Federal Credit Union? Share your experience about OAS Staff Federal Credit Union by leaving a review below, or read customer reviews before you decide to use OAS Staff Federal Credit Union.
Overall Health & Safety Grade
?
B
Solid HealthScore: 87/100
Overall Health & Safety Grade
OAS Staff Federal Credit Union has earned an overall safety grade of B (Solid, Score: 87/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.6
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
OAS Staff Federal Credit Union has earned a Star Rating of 4.6 out of 5 stars (Excellent).
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
?
19.26%
GoodHigher than avg
OAS Staff Federal Credit Union Texas Ratio
OAS Staff Federal Credit Union's Texas Ratio is 19.26%, which is considered good and is higher than the national average of 6.13%.
While OAS Staff Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.63% to 19.26% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.7, Health Grade A+ to B
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
OAS Staff Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Regular Share Certificates - Jumbo
3.05%
3.10%
12 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.10% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
12 Month Regular Share Certificates
3.00%
3.05%
12 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 3.05% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
6 Month Regular Share Certificates - Jumbo
2.80%
2.84%
6 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.84% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
6 Month Regular Share Certificates
2.75%
2.79%
6 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.79% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
24 Month Regular Share Certificates - Jumbo
2.65%
2.69%
24 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.69% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
60 Month Regular Share Certificates - Jumbo
2.65%
2.69%
60 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.69% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
24 Month Regular Share Certificates
2.60%
2.63%
24 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.63% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
60 Month Regular Share Certificates
2.60%
2.63%
60 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.63% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
48 Month Regular Share Certificates - Jumbo
2.55%
2.58%
48 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.58% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
18 Month Regular Share Certificates - Jumbo
2.50%
2.53%
18 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.53% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
36 Month Regular Share Certificates - Jumbo
2.50%
2.53%
36 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.53% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
48 Month Regular Share Certificates
2.50%
2.53%
48 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.53% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Jumbo IRA Share Certificate (36 Month)
2.50%
2.53%
36 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
18 Month Regular Share Certificates
2.45%
2.48%
18 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.48% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
30 Month Regular Share Certificates - Jumbo
2.45%
2.48%
30 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.48% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
36 Month Regular Share Certificates
2.45%
2.48%
36 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.48% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
IRA Share Certificate (36 Month)
2.45%
2.48%
36 months
Min Deposit$2,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.48% APY · checked 8 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
24 Month Step-Up Share Certificate
2.40%
2.43%
24 months
Min Deposit$100,000
DetailsJumbo; Rate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.43% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
30 Month Regular Share Certificates
2.40%
2.43%
30 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 2.43% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
60 Month Step-Up Share Certificate
2.40%
2.43%
60 months
Min Deposit$100,000
DetailsJumbo; Rate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.43% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 24 month jumbo
2.40%
2.43%
24 months
Min Deposit$100,000
DetailsRate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.43% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 60 month jumbo
2.40%
2.43%
60 months
Min Deposit$100,000
DetailsRate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.43% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
24 Month Step-Up Share Certificate
2.35%
2.38%
24 months
Min Deposit$2,500
DetailsRate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.38% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
60 Month Step-Up Share Certificate
2.35%
2.38%
60 months
Min Deposit$2,500
DetailsRate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.38% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
48 Month Step-Up Share Certificate
2.30%
2.33%
48 months
Min Deposit$100,000
DetailsJumbo; Rate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.33% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 48 month jumbo
2.30%
2.33%
48 months
Min Deposit$100,000
DetailsRate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.33% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
36 Month Step-Up Share Certificate
2.25%
2.28%
36 months
Min Deposit$100,000
DetailsJumbo; Rate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.28% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
48 Month Step-Up Share Certificate
2.25%
2.28%
48 months
Min Deposit$2,500
DetailsRate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.28% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 36 month jumbo
2.25%
2.28%
36 months
Min Deposit$100,000
DetailsRate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 2.28% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
36 Month Step-Up Share Certificate
2.20%
2.22%
36 months
Min Deposit$2,500
DetailsRate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.22% APY · checked 2 times
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
Sep 18, 20265.50%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
New and Used Vehicle Loan - Fixed Rate Hybrid/Electric
-
-
5.74%
Up to 5 years
DetailsRange: 5.74% - 15.74%; Type of vehicle: New & Used (3 Years Old - or newer) Hybrid/Electric cars only; Fixed rate special for new and used vehicles up to 3 years old
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.74% APR · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
New and Used Vehicles Fixed Rate Loan
-
-
5.74%
Up to 5 years
DetailsAPR range: 5.74% - 15.74%; Vehicle: New & Used (3 Years Old - or newer) Hybrid/Electric cars only
Last Updated10/29/2026
Rate History
1 change since Oct 15, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
Oct 23, 20265.74%▼ from 5.99%
Oct 15, 20265.99%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
New and Used Vehicle Loan - Fixed Rate
-
-
5.99%
Up to 5 years
DetailsRange: 5.99% - 15.99%; Type of vehicle: New & Used (3 Years Old - or newer); Fixed rate special for new and used vehicles up to 3 years old
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
New and Used Vehicles Fixed Rate Loan
-
-
5.99%
Up to 5 years
DetailsAPR range: 5.99% - 15.99%; Vehicle: New & Used (3 Years Old - or newer)
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.99% APR · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Staff Federal Credit Union RV, Boat and Powersport Loan Rates
No change since Sep 29, 2026 · 7.50% APR · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Staff Federal Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Post-Secondary Education Loan
-
-
8.00%
Up to 4 years
DetailsRange: 8% - 10%; Loan Amount: Up to $15,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Sep 18, 20268.00%▲ from 7.75%
Sep 14, 20267.75%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Staff Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Classic
-
10.00%
DetailsRange: 10% - 16%; Credit Limit: Up to $10,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
Sep 18, 202610.00%▲ from 9.75%
Sep 14, 20269.75%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Staff Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Fixed Rate Personal Loans - Green Loan
8.44%
Up to 42 months
DetailsFixed rate limited time offer loan; Loan Amount: Up to $15,000; Rates effective 12/11/2025
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 8.44% APR · checked 4 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Signature Loan
10.00%
Up to 6 years
DetailsAPR range: 10 - 18%; Loan Amount: Up to $35,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
Sep 18, 202610.00%▲ from 9.75%
Sep 14, 20269.75%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
International Personal Loan
17.00%
Up to 3 years
DetailsLoan Amount: Up to $5,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 16.75% → 17.00% ▲ 0.25 pts · high 17.00% / low 16.75%
Sep 18, 202617.00%▲ from 16.75%
Sep 14, 202616.75%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Staff Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
CAF Recognition for Years of Service Loan
-
-
6.50%
Up to 15 years
DetailsLoan Amount: Up to $35,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Sep 18, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Green Loan
-
-
8.44%
Up to 42 months
DetailsLoan Amount: Up to $15,000; Fixed rate limited time offer loan
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.44% APR · checked 12 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
IICA Recognition of Years of Service Loan
-
-
6.50%
Up to 15 years
DetailsLoan Amount: Up to 100% of accrued benefit
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Sep 18, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Benefits Loan
-
-
9.00%
Up to 10 years
DetailsLoan Amount: Up to $10,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75%
Sep 18, 20269.00%▲ from 8.75%
Sep 14, 20268.75%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
OAS Retirement & Pension Plan Loan
-
-
6.50%
Up to 15 years
DetailsLoan Amount: Up to $65,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Sep 18, 20266.50%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Holiday Club
0.35%
-
0.35%
12 months
DetailsClub Share Account; Requirements: Monthly Deposits (of up to $1,000)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 12 months
3.00%
-
3.05%
12 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 3.05% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 12 months jumbo
3.05%
-
3.10%
12 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.10% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 18 months
2.45%
-
2.48%
18 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.48% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 18 months jumbo
2.50%
-
2.53%
18 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.53% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 24 months
2.60%
-
2.63%
24 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.63% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 24 months jumbo
2.65%
-
2.69%
24 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.69% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 30 months
2.40%
-
2.43%
30 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.43% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 30 months jumbo
2.45%
-
2.48%
30 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.48% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 36 months
2.45%
-
2.48%
36 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.48% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 36 months jumbo
2.50%
-
2.53%
36 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.53% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 48 months
2.50%
-
2.53%
48 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.53% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 48 months jumbo
2.55%
-
2.58%
48 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.58% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 6 months
2.75%
-
2.79%
6 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.79% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 6 months jumbo
2.80%
-
2.84%
6 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.84% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 60 months
2.60%
-
2.63%
60 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.63% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Regular Share Certificate - 60 months jumbo
2.65%
-
2.69%
60 months
Min Deposit$100,000
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 2.69% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 24 months
2.35%
-
2.38%
24 months
Min Deposit$2,500
DetailsRate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.38% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 36 months
2.20%
-
2.22%
36 months
Min Deposit$2,500
DetailsRate Increase: One time
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.22% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 48 months
2.25%
-
2.28%
48 months
Min Deposit$2,500
DetailsRate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.28% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Step-Up Share Certificate - 60 months
2.35%
-
2.38%
60 months
Min Deposit$2,500
DetailsRate Increase: Twice
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 2.38% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Tax Club
0.35%
-
0.35%
12 months
DetailsClub Share Account; Requirements: Monthly Deposits (no limits)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Traditional IRA
0.35%
-
0.35%
Min Deposit$2,500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Vacation Club
0.35%
-
0.35%
12 months
DetailsClub Share Account; Requirements: Monthly Deposits (of up to $1,000)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.26%
Financial Health History
OAS Staff Federal Credit Union’s Texas Ratio rose from 3.63% in Q3 2023 to 19.26% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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
$282M
19.26%
4.7
B
March 31, 2026
$290M
15.50%
5.0
A-
December 31, 2025
$285M
19.14%
4.7
B
September 30, 2025
$280M
8.95%
5.0
A
June 30, 2025
$283M
11.14%
5.0
A
March 31, 2025
$287M
17.30%
4.8
B+
December 31, 2024
$279M
20.22%
4.6
B
September 30, 2024
$279M
17.92%
4.8
B+
June 30, 2024
$276M
6.42%
5.0
A
March 31, 2024
$280M
4.19%
5.0
A+
December 31, 2023
$275M
6.42%
5.0
A
September 30, 2023
$274M
3.63%
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 OAS Staff Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather OAS Staff Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with OAS Staff Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,066,070
Total Uninsured Shares and Deposits > $250K (F+J)
21,066,070
Total Insured Shares and Deposits > $250K (item 17 less item K)
243,785,558
Total Interest Expense (Sum of items 6 8)
1,236,877
Share Certificates
1,146
Number of Accounts for Share Drafts
7,285
IRA KEOGH Accounts
56
Number of Accounts for Regular Shares
12,515
Net Income (unless the amount is already included in Undivided Earnings)
122,956
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)
10,294,632
Total Liabilities
268,816,645
Source: NCUA — Last Updated 06/30/2026
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About OAS Staff Federal Credit Union
Does OAS Staff Federal Credit Union offer CDs?
Yes. OAS Staff Federal Credit Union current CD rates include its 12 Month Regular CDs at 3.05% APY, its 6 Month Regular CDs at 2.79% APY and its 24 Month Regular CDs at 2.63% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from OAS Staff Federal Credit Union NCUA insured?
Yes. OAS Staff Federal 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 OAS Staff Federal Credit Union?
The highest OAS Staff Federal Credit Union CD rate is its 12 Month Regular CDs - Jumbo at 3.10% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does OAS Staff Federal Credit Union offer?
OAS Staff Federal Credit Union CD rates are 2.79% APY for a 6 month CD, 3.05% APY for a 12 month CD, 2.48% APY for an 18 month CD, 2.63% APY for a 2 year CD, 2.53% APY for a 4 year CD and 2.63% 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 OAS Staff Federal Credit Union for its full lineup.
What is the highest savings rate at OAS Staff Federal Credit Union?
The highest OAS Staff Federal Credit Union savings rate is its RoundUp Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at OAS Staff Federal Credit Union?
The highest OAS Staff Federal Credit Union checking rate is its Reward Checking: Preferential Rate at 2.12% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at OAS Staff Federal Credit Union?
The lowest OAS Staff Federal Credit Union auto loan rate is its New Vehicle Loan - Variable Rate at 5.00% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at OAS Staff Federal Credit Union?
The lowest OAS Staff Federal Credit Union personal loan rate is its Fixed Rate Personal Loans - Green Loan at 8.44% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at OAS Staff Federal Credit Union?
The lowest OAS Staff Federal Credit Union credit card APR is its VISA Classic Credit Card at 10.00% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does OAS Staff Federal Credit Union operate?
OAS Staff Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join OAS Staff Federal Credit Union?
Yes, to access services at OAS Staff Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, OAS Staff Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, OAS Staff Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does OAS Staff Federal Credit Union offer online and mobile banking?
Most modern institutions like OAS Staff Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oasfcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do OAS Staff Federal Credit Union rates compare?
OAS Staff Federal Credit Union's CD rates are 8% lower than the MonitorBankRates national average, and it has a B health rating. OAS Staff Federal Credit Union's top rates are its 12 Month Regular CDs - Jumbo at 3.10% APY, its RoundUp Savings at 0.10% APY, its Reward Checking: Preferential Rate at 2.12% APY, its Fixed Rate Personal Loans - Green Loan at 8.44% APR and its VISA Classic Credit Card at 10.00% APR, verified by MonitorBankRates on October 29, 2026.
Current OAS Staff Federal Credit Union Rates
12-Month CD3.05%
18-Month CD2.48%
24-Month CD2.38%
60-Month CD2.38%
Savings0.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
