What are the current interest rates at Prospera Credit Union?

Current rates for Prospera Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.15%, 24-Month CD: 3.35%, Savings: 3.00%, MMA: 3.20%

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Prospera Credit Union Rates & Review October 2026

Q: How many branches does Prospera Credit Union operate?

Prospera 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 Prospera Credit Union?

Yes, to access services at Prospera 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, Prospera 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, Prospera 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: October 9, 2026

Prospera Credit Union's top rates as of October 9, 2026 are 3.65% APY on its 4 Year CD, 3.00% APY on savings, 3.20% APY on money market accounts, 5.00% APY on checking, and personal loans from 11.00% APR, according to rates verified by MonitorBankRates. Other Prospera Credit Union CD rates include 3 Year CD at 3.50%, 2 Year CD at 3.35%, and 18 Month CD at 3.15%. MonitorBankRates evaluates the financial stability of Prospera Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

1.92%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Prospera Credit Union
Corporate

4830 N Ballard Rd
Appleton, WI 54913

https://www.myprospera.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Prospera Credit Union CD Rates

Product	Rate	APY	Term
4 Year Share Certificate	3.59%	3.65%	4 year
Min Balance $500 Details Balance: Minimum Balance to Earn APY: $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
3 Year Share Certificate	3.45%	3.50%	3 year
Min Balance $500 Details Balance: Minimum Balance to Earn APY: $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
2 Year Share Certificate	3.30%	3.35%	2 year
Min Balance $500 Details Balance: Minimum Balance to Earn APY: $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
18 Month Share Certificate	3.11%	3.15%	18 month
Min Balance $500 Details Balance: Minimum Balance to Earn APY: $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
1 Year Share Certificate	2.96%	3.00%	1 year
Min Balance $500 Details Balance: Minimum Balance to Earn APY: $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
6 Month Share Certificate	2.28%	2.30%	6 month
Min Balance $500 Details Balance: Minimum Balance to Earn APY: $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Savings Rates

Product	Rate	APY
Connect Savings	2.96%	3.00%
Min Balance $0 Details Qualifications Required: Refer to Connect Plus Checking qualifications; Balance: $0.01-$40,0001; Connect Plus Checking required to open Connect Savings. Refer to Connect Plus Checking qualifications, which then apply to Connect Savings. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Teen Savings	2.96%	3.00%
Min Balance $0 Details Qualifications Required: Refer to Teen Checking qualifications; Balance: $0.01-$40,000; 1 Refer to Teen Checking qualifications, which then apply to Teen Savings. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Club Savings Account	0.30%	0.30%
Min Balance $1 Details Holiday Savings Accounts are set to pay dividends (APY) on any balance of $1 or more. APY = Annual Percentage Yield. For individual accounts only. Dividends are compounded annually. Fees may reduce earnings. Rates as of 10/01/2026. Subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Individual Retirement Account (IRA) Savings	0.25%	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Connect Savings	0.10%	0.10%
Min Balance $40,000 Details Qualifications Required: Refer to Connect Plus Checking qualifications; Balance: $40,0001 +; Connect Plus Checking required to open Connect Savings. Refer to Connect Plus Checking qualifications, which then apply to Connect Savings. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Share Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Minimum: $5 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Sub Savings Account	0.10%	0.10%
Min Balance $5 Details Minimum: $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Teen Savings	0.10%	0.10%
Min Balance $40,000 Details Qualifications Required: Refer to Teen Checking qualifications; Balance: $40,000; 1 Refer to Teen Checking qualifications, which then apply to Teen Savings. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Money Market Rates

Product	Rate	APY
Thrive Money Market	3.15%	3.20%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Thrive Money Market	2.37%	2.40%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Thrive Money Market	1.98%	2.00%
Min Balance $40,000 Details Balance: $40,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Prosper Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Prosper Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Prosper Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Prosper Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Prosper Money Market	0.10%	0.10%
Min Balance $100 Details Balance: $100 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Prosper Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Checking Rates

Product	Rate	APY
Connect Plus Checking Account	4.89%	5.00%
Min Balance $0 Details Qualifications Required: receive eStatements; conduct 15 debit card transactions that post and settle to your account; receive one direct deposit/ACH credit; Balance: $0.01-$5,000; Monthly Qualifications: you must a) receive eStatements; b) conduct 15 debit card transactions that post and settle to your account; c) receive one direct deposit/ACH credit. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Teen Checking Account	4.89%	5.00%
Min Balance $0 Details Balance: $0.01-$5,000; Qualifications Required; you must a) receive eStatements; b) conduct 4 debit card transactions that post and settle to your account; c) login to online banking or mobile application at least 4 days. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Connect Plus Checking Account	0.10%	0.10%
Min Balance $5,000 Details Qualifications Required: receive eStatements; conduct 15 debit card transactions that post and settle to your account; receive one direct deposit/ACH credit; Balance: $5,000.01+; Monthly Qualifications: you must a) receive eStatements; b) conduct 15 debit card transactions that post and settle to your account; c) receive one direct deposit/ACH credit. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Teen Checking Account	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.01; Qualifications Required; you must a) receive eStatements; b) conduct 4 debit card transactions that post and settle to your account; c) login to online banking or mobile application at least 4 days. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Dividend Checking Account	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000+; Minimum: $5,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Dividend Checking Account	0.04%	0.04%
Min Balance $1,500 Details Balance: $1,500+; Minimum: $1,500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Business Checking Rates

Product	Rate	APY
Business Plus Checking Account	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Plus Checking Account	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Checking Account	0.05%	0.05%
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Plus Checking Account	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Interest-Only HELOC	-	-	6.00%	12 Month
Details Term: 12 Month Fixed Intro Rate /10 Year Draw Period; Annual Percentage Rate (APR) is based on creditworthiness and loan to value (LTV) of 80% or less. The advertised APR includes a 0.50% discount for PCU checking and auto pay. After the 12-month introductory period the rate is indexed to the Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. During the introductory and 10-year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. Rates as of 10/01/2026. Subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 2, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Home Equity Installment (Lump Sum)	8.50%	-	9.18%	Up to 100 Months
Details Annual Percentage Rate (APR) is based on creditworthiness and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Max term is 60 months for loans less $15,000 and less or 100 months for loans greater than $15,000. Loans currently held with PCU are not eligible. Offer limited to homeowners. Rates subject to change without notice. Rates as of 10/01/2026. Subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.18% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
HELOC Personal Line of Credit	11.00%	-	11.00%	Variable Line of Cre
Details Term: Variable Line of Credit; Annual Percentage Rate (APR) is variable based on the Prime rate index plus a margin of 4.00%. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Loans currently held with PCU are not eligible. Offer limited to homeowners. Rates subject to change without notice. Rates as of 10/01/2026. Subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 9, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car, Truck, Motorcycle, RV, and Boat - 2023 - newer Loan	4.74%	-	5.621%	up to 72 months
Details As Low As; Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.37% → 5.62% ▲ 0.25 pts · high 5.62% / low 5.37% Oct 9, 20265.62%▲ from 5.37% Sep 18, 20265.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Car, Truck, Motorcycle, RV, and Boat - 2020 - 2022 Loan	4.74%	-	5.785%	up to 60 months
Details As Low As; Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.53% → 5.79% ▲ 0.25 pts · high 5.79% / low 5.53% Oct 9, 20265.79%▲ from 5.53% Sep 18, 20265.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Car, Truck, Motorcycle, RV, and Boat - 2021 - newer Loan	5.49%	-	6.543%	up to 60 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Rates as of 10/01/2026. Subject to change without notice. As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Car, Truck, Motorcycle, RV, and Boat - 2017- 2019 Loan	5.74%	-	7.044%	up to 48 months
Details As Low As; Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.79% → 7.04% ▲ 0.26 pts · high 7.04% / low 6.79% Oct 9, 20267.04%▲ from 6.79% Sep 18, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Car, Truck, Motorcycle, RV, and Boat - 2017 - 2020 Loan	6.49%	-	7.796%	up to 48 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Rates as of 10/01/2026. Subject to change without notice. As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Car, Truck, Motorcycle, RV, and Boat - 2016 - older Loan	7.24%	-	8.958%	up to 36 months
Details As Low As; Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 9.72% → 8.96% ▼ 0.76 pts · high 9.72% / low 8.71% Oct 9, 20268.96%▲ from 8.71% Sep 18, 20268.71%▼ from 9.72% Sep 14, 20269.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Car, Truck, Motorcycle, RV, and Boat - 2016 - older Loan	7.99%	-	9.717%	up to 36 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. Rates as of 10/01/2026. Subject to change without notice. As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.72% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Personal Loan Rates

Product	APR	Term
HELOC Personal Line of Credit	11.00%	Variable Line of Cre
Details Term: Variable Line of Credit; Annual Percentage Rate (APR) is variable based on the Prime rate index plus a margin of 4.00%. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Loans currently held with PCU are not eligible. Offer limited to homeowners. Rates subject to change without notice. Rates as of 10/01/2026. Subject to change without notice. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Oct 9, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Unsecured Loan	11.735%	up to 36 months
Details Annual Percentage Rate (APR) includes a one-time $25 processing fee. Loans currently financed with PCU are not eligible. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Prospera Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kwik Cash Line of Credit	12.90%	-	12.90%	Variable Line of Cre
Details Term: Variable Line of Credit; Rate: Variable prime plus 5.90% as published in the Wall Street Journal. Payment is 2% of outstanding balance or $10; whichever is greater. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65% Oct 9, 202612.90%▲ from 12.65% Sep 14, 202612.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Platinum Loan	-	-	12.65%	Revolving
Details Published APR range: 12.65% to 20.65%. Rates as of 10/01/2026. Subject to change without notice. APR will vary with market-based on the Prime Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 9, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Rewards Loan	-	-	14.65%	Revolving
Details Published APR range: 14.65%-22.65%. Rates as of 10/01/2026. Subject to change without notice. APR will vary with market-based on the Prime Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.40% → 14.65% ▲ 0.25 pts · high 14.65% / low 14.40% Oct 9, 202614.65%▲ from 14.40% Sep 14, 202614.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Special Intro Rate Loan	-	-	5.99%
Details Intro rate expires: 12 months; Regular APR: 5.99%3 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
HSA Checking (Health Savings Account)	0.60%	-	0.60%
Min Balance $5 Details Minimum: $5; Fees may reduce earnings. Rates as of 10/01/2026. Subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

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

Prospera Credit Union’s Texas Ratio fell from 2.62% in Q3 2023 to 1.92% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$379M	1.92%	5.0	A+
March 31, 2026	$379M	2.12%	5.0	A+
December 31, 2025	$375M	2.69%	5.0	A+
September 30, 2025	$367M	2.14%	5.0	A+
June 30, 2025	$367M	3.07%	5.0	A+
March 31, 2025	$368M	1.78%	5.0	A+
December 31, 2024	$365M	2.49%	5.0	A+
September 30, 2024	$364M	3.39%	5.0	A+
June 30, 2024	$369M	3.32%	5.0	A+
March 31, 2024	$372M	4.63%	5.0	A+
December 31, 2023	$377M	5.37%	5.0	A+
September 30, 2023	$377M	2.62%	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 Prospera 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 Prospera 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 Prospera Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Prospera Credit Union

Website https://www.myprospera.com

Address 4830 N Ballard Rd, Appleton, WI 54913

Phone 920-882-4800

Fax 920-738-4978

President Jill Uitenbroek

CEO Sheila Schinke

Full-Time Employees 76

Part-Time Employees 10

Branch Locations 6

ATM Locations 5

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

1.92%

Return on Assets (ROA)

0.1570%

Return on Equity (ROE)

1.7264%

Non-Performing Loans Ratio (NPL)

0.22%

Total Assets

378,916,533

Total Amount of Shares and Deposits

322,383,364

Total Shares and Deposits < 1 Year

308,240,814

Total Shares and Deposits 1 3 Years

11,108,593

Total Shares and Deposits > 3 Years

3,033,957

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

21,976,589

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

21,976,589

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

300,406,775

Total Interest Expense (Sum of items 6 8)

3,287,621

Share Certificates

2,065

Number of Accounts for Share Drafts

16,684

IRA KEOGH Accounts

989

Number of Accounts for Regular Shares

33,788

All other shares

600

Non Member Deposits

Money Market Shares

366

Net Income (unless the amount is already included in Undivided Earnings)

594,814

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)

16,132,123

Total Liabilities

344,898,682

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Prospera Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Prospera Credit Union

How many branches does Prospera Credit Union operate?

Prospera 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 Prospera Credit Union?

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

Does Prospera Credit Union offer online and mobile banking?

Most modern institutions like Prospera 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.myprospera.com.

Current Prospera Credit Union Rates

12-Month CD3.00%
18-Month CD3.15%
24-Month CD3.35%
Savings3.00%
MMA3.20%

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

Compare to Other Credit Unions

Prospera Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Prospera Credit Union Texas Ratio

Prospera Credit Union Health Trend

Prospera Credit Union CD Rates

Prospera Credit Union Savings Rates

Prospera Credit Union Money Market Rates

Prospera Credit Union Checking Rates

Prospera Credit Union Business Checking Rates

Prospera Credit Union Home Equity & HELOC

Prospera Credit Union Auto Loan Rates

Prospera Credit Union Personal Loan Rates

Prospera Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Prospera Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Prospera Credit Union

How many branches does Prospera Credit Union operate?

Is a member application needed to join Prospera Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Prospera Credit Union offer online and mobile banking?

Current Prospera Credit Union Rates

Compare to Other Credit Unions