What are the current interest rates at On the Grid Financial Federal Credit Union?

Current rates for On the Grid Financial Federal Credit Union include: Savings: 0.15%, MMA: 0.75%

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On the Grid Financial Federal Credit Union

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On the Grid Financial Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, On the Grid Financial Federal 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 14, 2026

On the Grid Financial Federal Credit Union's savings rates are at 0.15%. On the Grid Financial Federal Credit Union's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of On the Grid Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 09/14/2026.

On the Grid Financial 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 On the Grid Financial Federal Credit Union? Share your experience about On the Grid Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use On the Grid Financial Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

On the Grid Financial Federal Credit Union
North Atlanta Branch

5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328-7173

https://www.cuonthegrid.com

On the Grid Financial Federal Credit Union Savings Rates

Product	Rate	APY
Young Savers Account	1.49%	1.50%
Min Balance $100 Details Monthly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Young Savers Accumulative Education Account	1.49%	1.50%
Details Quarterly on daily balance Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Christmas Club Savings	0.15%	0.15%
Min Balance $50 Details Monthly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Regular Share Savings	0.15%	0.15%
Min Balance $200 Details Quarterly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Vacation Club Savings	0.15%	0.15%
Min Balance $50 Details Monthly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

On the Grid Financial Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.00%	1.00%
Min Balance $100,000 Details Dividends: Monthly on daily balance Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market Accounts	0.95%	0.95%
Min Balance $25,000 Details Dividends: Monthly on daily balance Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market Accounts	0.85%	0.85%
Min Balance $10,000 Details Dividends: Monthly on daily balance Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market Accounts	0.75%	0.75%
Min Balance $2,500 Details Dividends: Monthly on daily balance Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

On the Grid Financial Federal Credit Union Checking Rates

Product	Rate	APY
CU Power Checking	1.00%	1.00%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Student Checking	1.00%	1.00%
Min Balance $100 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
CU Power Checking	0.25%	0.25%
Min Balance $1,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Student Checking	0.25%	0.25%
Min Balance $1,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
CU Power Checking	0.10%	0.10%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Student Checking	0.10%	0.10%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

On the Grid Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Accumulative IRA	1.49%	-	1.50%
Details Quarterly on daily balance Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Youth Savers Savings	-	-	1.15%	20 Years
Min Deposit $500 Details Additional Deposits: $500 Annually; Total Deposits After 20 Years: $10,000; Total Interest Earned: $1,366.68; Total Amount in Savings After 20 Years: $11,866.68 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

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

On the Grid Financial Federal Credit Union’s Texas Ratio rose from 0.33% in Q2 2023 to 1.02% 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	$46M	1.02%	5.0	A+
December 31, 2025	$44M	1.29%	5.0	A+
September 30, 2025	$44M	1.11%	5.0	A+
June 30, 2025	$46M	0.76%	5.0	A+
March 31, 2025	$46M	0.60%	5.0	A+
December 31, 2024	$44M	0.31%	5.0	A+
September 30, 2024	$44M	1.17%	5.0	A+
June 30, 2024	$45M	0.75%	5.0	A+
March 31, 2024	$46M	0.83%	5.0	A+
December 31, 2023	$44M	1.27%	5.0	A+
September 30, 2023	$46M	0.46%	5.0	A+
June 30, 2023	$47M	0.33%	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 On the Grid Financial 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 On the Grid Financial 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 On the Grid Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name On the Grid Financial Federal Credit Union

Website https://www.cuonthegrid.com

Address 5901 Peachtree Dunwoody Rd Ste A275, Atlanta, GA 30328-7173

Phone 770-396-9005

Fax 770-396-0777

President John Blackshear

CEO Tracy Burke

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.02%

Return on Assets (ROA)

0.0074%

Return on Equity (ROE)

0.0545%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

46,281,914

Total Amount of Shares and Deposits

39,534,978

Total Shares and Deposits < 1 Year

38,066,693

Total Shares and Deposits 1 3 Years

1,259,744

Total Shares and Deposits > 3 Years

208,541

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

596,305

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

596,305

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

38,938,673

Total Interest Expense (Sum of items 6 8)

116,187

Share Certificates

290

Number of Accounts for Share Drafts

1,689

IRA KEOGH Accounts

114

Number of Accounts for Regular Shares

3,987

All other shares

Money Market Shares

108

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)

3,416,353

Total Liabilities

39,987,333

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

On the Grid Financial Federal Credit Union earned the Verified Healthy badge

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

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Customer Reviews

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Frequently Asked Questions About On the Grid Financial Federal Credit Union

How many branches does On the Grid Financial Federal Credit Union operate?

On the Grid Financial 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 On the Grid Financial Federal Credit Union?

Yes, to access services at On the Grid Financial 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, On the Grid Financial 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, On the Grid Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does On the Grid Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like On the Grid Financial 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.cuonthegrid.com.