What are the current interest rates at Qside Federal Credit Union?

Current rates for Qside Federal Credit Union include: 12-Month CD: 3.52%, 24-Month CD: 3.32%, Savings: 0.20%, MMA: 1.00%

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Qside Federal Credit Union

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Qside Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Qside Federal Credit Union?

Yes, to access services at Qside 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Qside 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: October 12, 2026

Qside Federal Credit Union's top rates as of October 12, 2026 are 3.77% APY on its 2 Year CD, 0.20% APY on savings, 1.00% APY on money market accounts, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Qside Federal Credit Union CD rates include 3 Year IRA CD at 3.77%, 2 Year CD at 3.72%, and 2 Year CD at 3.67%. MonitorBankRates evaluates the financial stability of Qside Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.01%. Rates last updated and verified on 10/12/2026.

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

2.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Qside Federal Credit Union
QSIDE FEDERAL CREDIT UNION

21131 Jamaica Ave
Queens Village, NY 11428-1621

https://www.qsidefcu.org

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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.

Qside Federal Credit Union CD Rates

Product	Rate	APY	Term
2 Year CD	3.75%	3.77%	2 years
Min Balance $100,000 Details Balance: $100,000 and over; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.77% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year IRA Certificate	3.75%	3.77%	3 years
Min Deposit $500 Details Dividends credited semi-annually Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.32% → 3.77% ▲ 0.45 pts · high 3.77% / low 3.32% Oct 4, 20263.77%▲ from 3.32% Sep 25, 20263.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
2 Year CD	3.70%	3.72%	2 years
Min Balance $50,000 Details Balance: $50,000 - $99,000; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
2 Year CD	3.65%	3.67%	2 years
Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6-Month CD	3.60%	3.62%	6 months
Min Deposit $100,000 Details Balance: $100,000 and over; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.62% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
2 Year CD	3.55%	3.57%	2 years
Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
2 Year IRA Certificate	3.55%	3.57%	2-Year
Min Balance $500 Details Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6-Month CD	3.55%	3.57%	6 months
Min Deposit $50,000 Details Balance: $50,000 - $99,000; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.57% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
1 Year IRA Certificate	3.50%	3.52%	1 year
Min Balance $500 Details Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6-Month CD	3.50%	3.52%	6 months
Min Deposit $25,000 Details Balance: $25,000 - $49,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.52% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year Bump Up CD	3.45%	3.47%	3 years
Min Balance $100,000 Details Balance: $100,000 and over; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.47% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6-Month CD	3.40%	3.42%	6 months
Min Deposit $10,000 Details Balance: $10,000 - $24,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.42% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year Bump Up CD	3.35%	3.37%	3 years
Min Balance $50,000 Details Balance: $50,000 - $99,000; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.37% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
2 Year CD	3.30%	3.32%	2 years
Min Balance $500 Details Balance: $500 - $9,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year Bump Up CD	3.30%	3.32%	3 years
Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.32% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year Bump Up IRA Certificate	3.25%	3.27%	3 years
Min Deposit $500 Details IRA Certificate, $500 minimum; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year Bump Up CD	3.10%	3.12%	3 years
Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.12% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
6-Month CD	3.10%	3.12%	6 months
Min Deposit $500 Details Balance: $500 - $9,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.12% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
3 Year Bump Up CD	2.85%	2.87%	3 years
Min Balance $500 Details Balance: $500 - $9,999; Dividends credited semi-annually Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

Qside Federal Credit Union Savings Rates

Product	Rate	APY
Roth IRA Savings	0.20%	0.20%
Details Dividends credited monthly Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 4, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Traditional IRA Savings	0.20%	0.20%
Details Dividends credited monthly Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15% Oct 4, 20260.20%▲ from 0.15% Sep 25, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Education IRA Savings	0.15%	0.15%
Details Dividends credited monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Holiday Club Savings Accounts	0.15%	0.15%
Details Dividends credited monthly Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 4, 20260.15%▲ from 0.10% Sep 25, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Vacation Club Savings Accounts	0.15%	0.15%
Details Dividends credited monthly Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 4, 20260.15%▲ from 0.10% Sep 25, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

Qside Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 and over; Dividends credited monthly Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 1.10% → 1.00% ▼ 0.10 pts · high 1.10% / low 1.00% Oct 4, 20261.00%▼ from 1.10% Sep 25, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Market Account	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividends credited monthly Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Market Account	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Dividends credited monthly Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Market Account	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Dividends credited monthly Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.50% → 0.40% ▼ 0.10 pts · high 0.50% / low 0.40% Oct 4, 20260.40%▼ from 0.50% Sep 25, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Market Account	0.05%	0.05%
Details Balance: $5,000 and below; Dividends credited monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

Qside Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Equi-Fix Home Equity Loan	-	-	6.25%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Equi-Fix Home Equity Loan	-	-	7.25%	120 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Equi-FlexSM Home Equity Line of Credit	-	-	7.50%
Details Revolving Line of Credit Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Equi-Fix Home Equity Loan	-	-	8.75%	180 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

Qside Federal Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Platinum Credit Card	-	8.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
MasterCard Classic Credit Card	-	12.90%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

Qside Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loans	-	-	9.99%	Up to 12 months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Vacation Loans	-	-	9.99%	Up to 12 months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Qside Federal Credit Union’s Texas Ratio rose from 0.46% in Q3 2023 to 2.01% 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	$53M	2.01%	5.0	A+
March 31, 2026	$54M	5.61%	5.0	A+
December 31, 2025	$52M	4.53%	5.0	A+
September 30, 2025	$51M	2.59%	5.0	A+
June 30, 2025	$53M	2.04%	5.0	A+
March 31, 2025	$53M	4.18%	5.0	A+
December 31, 2024	$52M	3.53%	5.0	A+
September 30, 2024	$52M	2.36%	5.0	A+
June 30, 2024	$53M	1.70%	5.0	A+
March 31, 2024	$54M	2.52%	5.0	A+
December 31, 2023	$53M	4.60%	5.0	A+
September 30, 2023	$54M	0.46%	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 Qside 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 Qside 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 Qside Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Qside Federal Credit Union

Website https://www.qsidefcu.org

Address 21131 Jamaica Ave, Queens Village, NY 11428-1621

Phone 718-353-1300

Fax 718-353-5399

President Jerry Waters

CEO MARK JOHNSON

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

2.01%

Return on Assets (ROA)

1.5614%

Return on Equity (ROE)

13.5426%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

53,470,289

Total Amount of Shares and Deposits

46,434,652

Total Shares and Deposits < 1 Year

45,509,558

Total Shares and Deposits 1 3 Years

925,094

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

450,959

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

450,959

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

45,983,693

Total Interest Expense (Sum of items 6 8)

144,232

Share Certificates

142

Number of Accounts for Share Drafts

2,618

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,929

All other shares

418

Non Member Deposits

Money Market Shares

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)

5,679,371

Total Liabilities

47,357,219

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Qside Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Qside Federal Credit Union

How many branches does Qside Federal Credit Union operate?

Qside 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 Qside Federal Credit Union?

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

Does Qside Federal Credit Union offer online and mobile banking?

Most modern institutions like Qside 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.qsidefcu.org.

Current Qside Federal Credit Union Rates

12-Month CD3.52%
24-Month CD3.32%
Savings0.20%
MMA1.00%

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

Compare to Other Credit Unions

Qside Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Qside Federal Credit Union Texas Ratio

Qside Federal Credit Union Health Trend

Qside Federal Credit Union CD Rates

Qside Federal Credit Union Savings Rates

Qside Federal Credit Union Money Market Rates

Qside Federal Credit Union Home Equity & HELOC

Qside Federal Credit Union Credit Card Rates

Qside Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Qside Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Qside Federal Credit Union

How many branches does Qside Federal Credit Union operate?

Is a member application needed to join Qside Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Qside Federal Credit Union offer online and mobile banking?

Current Qside Federal Credit Union Rates

Compare to Other Credit Unions