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Qualstar Credit Union

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Qualstar Credit Union Rates & Review November 2026

Q: What are the current interest rates at Qualstar Credit Union?

Current rates for Qualstar Credit Union include: Savings: 0.75%, MMA: 3.51%

Q: What CD terms does Qualstar Credit Union offer?

Qualstar Credit Union CD rates are 3.51% APY for a 3 month CD, 3.40% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.35% APY for a 4 year CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Qualstar Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Qualstar Credit Union's CD - 3-Mo. Term rates are at 3.51%, CD - 60-Mo. Term rates are at 3.51%, CD - 6-Mo. Term rates are at 3.40%, CD - 48-Mo. Term rates are at 3.35%, CD - 12-Mo. Term rates are at 3.25%. Qualstar Credit Union's savings rates are at 0.75%. Qualstar Credit Union's money market rates are at 3.51%. Qualstar Credit Union's checking rates are as high as 0.50%. Qualstar Credit Union's Personal Loan Rates are as low as 11.49%. Qualstar Credit Union's Credit Card Rates are at 11.49%. Qualstar Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Qualstar Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.83%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Qualstar Credit Union
BOTHELL CORPORATE OFFICE

24000 35th Ave SE # 200
Bothell, WA 98021-8990

https://www.qualstarcu.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.

Qualstar Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificate 60-Mo. Term	3.45%	3.51%	60- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 3-Mo. Term	3.45%	3.51%	3- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 60-Mo. Term	3.45%	3.51%	60- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate 6-Mo. Term	3.35%	3.40%	6- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 6-Mo. Term	3.35%	3.40%	6- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate 48-Mo. Term	3.30%	3.35%	48- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 48-Mo. Term	3.30%	3.35%	48- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate 12-Mo. Term	3.20%	3.25%	12- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate 18-Mo. Term	3.20%	3.25%	18- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate 24-Mo. Term	3.20%	3.25%	24- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Certificate 36-Mo. Term	3.20%	3.25%	36- months
Min Deposit $1,000 Details Compounds Monthly; Rates Effective: 04/01/2025 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 12-Mo. Term	3.20%	3.25%	12- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 18-Mo. Term	3.20%	3.25%	18- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 24-Mo. Term	3.20%	3.25%	24- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 30-Mo. Term	3.20%	3.25%	30- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Share Certificate - 36-Mo. Term	3.20%	3.25%	36- months
Min Deposit $1,000 Details Compounds & Credits: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Savings Rates

Product	Rate	APY	View More
Savings	0.75%	0.75%
Details Compounds & Credits: Monthly; Rates Effective: 04/01/2025; Rates may change after the account is opened Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	3.45%	3.51%
Min Deposit $1,000 Min Balance $1,000 Details Compounds & Credits: Monthly; No minimum to open per footnote, but table lists $1,000.00; eStatement enrollment is required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.49%	1.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Compounds & Credits: Monthly; No minimum balance to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.49%	1.50%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Compounds & Credits: Monthly; No minimum balance to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.49%	1.50%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+; Compounds & Credits: Monthly; No minimum balance to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Money Market	1.49%	1.50%
Min Deposit $1,000 Min Balance $1,000 Details Compounds & Credits: Monthly; Contact 1-800-848-0018 to upgrade and ensure the highest rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
IRA Money Market	1.24%	1.25%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $9,999.99; Compounds & Credits: Monthly; No minimum balance to earn dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Checking Rates

Product	Rate	APY
Premier Checking	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000-$49,999.99; Compounds: Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Premier Checking	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Compounds: Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Premier Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+; Compounds: Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Premier Checking	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; Compounds: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Simply Checking	0.05%	0.05%
Min Deposit $150 Details Minimum: $150 or Direct Deposit; Compounds: Monthly; Footnote *: Annual Percentage Yield. Rates may change after account opening. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Union Checking	0.05%	0.05%
Details Compounds: Monthly; Footnote **: Available only for Union members who receive union benefit funds via direct deposit from a participating union. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan - Advantage Equity (to 70% LTV)	-	-	4.74%
Details Rate range 4.74%-9.24% APR; Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 4.74% ▼ 4.50 pts · high 9.24% / low 4.74% Oct 19, 20264.74%▼ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Advantage Equity (to 80% LTV)	-	-	5.24%
Details Rate range 5.24%-10.24% APR; Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.24% → 5.24% ▼ 5.00 pts · high 10.24% / low 5.24% Oct 14, 20265.24%▼ from 10.24% Sep 14, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Non-Owner-Occupied Advantage Equity (to 70% LTV)	-	-	5.24%
Details Rate range 5.24%-9.74% APR; Fixed rates; Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.74% → 5.24% ▼ 4.50 pts · high 9.74% / low 5.24% Oct 14, 20265.24%▼ from 9.74% Sep 14, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Option Equity (to 70% LTV)	-	-	6.25%
Details Rate range 6.25%-9.75% APR; Interest-only line of credit. Variable rates, Prime -.50% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 6.25% ▼ 3.50 pts · high 9.75% / low 6.25% Oct 14, 20266.25%▼ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Non-Owner-Occupied Option Equity (up to 70% LTV)	-	-	6.75%
Details Rate range 6.75%-9.75% APR; Interest-only line of credit. Variable rates, Prime +.0% to +2.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 6.75% ▼ 3.00 pts · high 9.75% / low 6.75% Oct 14, 20266.75%▼ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Option Equity (to 80% LTV)	-	-	6.75%
Details Rate range 6.75%-10.25% APR; Interest-only line of credit. Variable rates, Prime -.50% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 6.75% ▼ 3.50 pts · high 10.25% / low 6.75% Oct 14, 20266.75%▼ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Advantage Equity (to 85% LTV)	-	-	7.24%
Details Rate range 7.24%-11.24% APR; Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 7.24% ▼ 4.00 pts · high 11.24% / low 7.24% Oct 14, 20267.24%▼ from 11.24% Sep 14, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Home Equity Loan - Option Equity (to 85% LTV)	-	-	8.25%
Details Rate range 8.25%-10.75% APR; Interest-only line of credit. Variable rates, Prime -.50% to +3.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Available in WA, OR, ID and AK. Rates Effective: 01/19/2026 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 8.25% ▼ 2.50 pts · high 10.75% / low 8.25% Oct 14, 20268.25%▼ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loans	-	-	4.49%
Details As Low As; Click for rates & terms; Real Estate Loan Rates page, servicing Washington, Oregon, Alaska and Idaho Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New Auto (2024 & Newer)	-	-	4.49%
Details As Low As; Rate range 4.49% to 19.99% APR; Up to 140% financing; Lowest rate shown applies to LTV less than 100%; Rates effective 02/20/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 19.99% → 4.49% ▼ 15.50 pts · high 19.99% / low 4.49% Oct 19, 20264.49%▼ from 19.99% Oct 14, 202619.99%▲ from 4.49% Sep 18, 20264.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Used Auto (2019-2023)	-	-	4.49%
Details As Low As; Rate range 4.49% to 19.99% APR; Up to 140% financing; Lowest rate shown applies to LTV less than 100%; Rates effective 02/20/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 19.99% → 4.49% ▼ 15.50 pts · high 19.99% / low 4.49% Oct 19, 20264.49%▼ from 19.99% Oct 14, 202619.99%▲ from 4.49% Sep 18, 20264.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Used Auto (2002-2018)	-	-	5.49%
Details As Low As; Rate range 5.49% to 21.99% APR; Up to 140% financing; Lowest rate shown applies to LTV less than 100%; Rates effective 02/20/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 21.99% → 5.49% ▼ 16.50 pts · high 21.99% / low 5.49% Oct 19, 20265.49%▼ from 21.99% Oct 14, 202621.99%▲ from 5.49% Sep 18, 20265.49%▼ from 21.99% Sep 14, 202621.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
First Time Auto Buyer (2002 & Newer)	-	-	8.74%
Details As Low As; Rate range 8.74% to 10.74% APR; Up to 110% financing; First Time Buyer Program for applicants with no auto credit history and no credit score (or less than 620); minimum 1-year employment history; no late payment history on existing credit accounts; income verification, two personal references and proof of insurance required; Rates effective 07/01/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 10.74% → 8.74% ▼ 2.00 pts · high 10.74% / low 8.74% Oct 19, 20268.74%▼ from 10.74% Oct 14, 202610.74%▲ from 8.74% Sep 18, 20268.74%▼ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New/Used Boat (2002 & Newer) Loan	-	5.99%
Details As Low As; Rate range 5.99% to 13.49% APR; Up to 105% financing; Rates effective 01/01/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 13.49% → 5.99% ▼ 7.50 pts · high 13.49% / low 5.99% Oct 19, 20265.99%▼ from 13.49% Oct 14, 202613.49%▲ from 5.99% Sep 22, 20265.99%▼ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New/Used Motorcycle (2011 & Newer) Loan	-	6.49%
Details As Low As; Rate range 6.49% to 15.99% APR; Up to 115% financing; Rates effective 01/01/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 15.99% → 6.49% ▼ 9.50 pts · high 15.99% / low 6.49% Oct 19, 20266.49%▼ from 15.99% Oct 14, 202615.99%▲ from 6.49% Sep 22, 20266.49%▼ from 15.99% Sep 14, 202615.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New/Used RV (2002 & Newer) Loan	-	6.74%
Details As Low As; Rate range 6.74% to 20.74% APR; Up to 105% financing; Rates effective 01/01/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 20.74% → 6.74% ▼ 14.00 pts · high 20.74% / low 6.74% Oct 19, 20266.74%▼ from 20.74% Oct 14, 202620.74%▲ from 6.74% Sep 22, 20266.74%▼ from 20.74% Sep 14, 202620.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
New/Used ATVs, Jet Skis, Dirt Bikes & Utility Trailers (2007 and Newer) Loan	-	7.49%
Details As Low As; Rate range 7.49% to 14.49% APR; Up to 105% financing; Rates effective 01/01/2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 14.49% → 7.49% ▼ 7.00 pts · high 14.49% / low 7.49% Oct 19, 20267.49%▼ from 14.49% Oct 14, 202614.49%▲ from 7.49% Sep 22, 20267.49%▼ from 14.49% Sep 14, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Cards	-	11.49%
Details As Low As; Click for rates & terms; Real Estate Loan Rates page, servicing Washington, Oregon, Alaska and Idaho Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Visa Gold (Unsecured)	-	11.49%
Details As Low As; Rates From 11.49% to Rates To 23.74%; Variable Rate; Prime +4.74% to +23.74%, adjusted quarterly; maximum rates 14.99% APR to 23.74% APR; minimum payment greater of 1% of balance plus interest or $25; 25-day grace period; 2% cash advance fee; no overlimit fee; no annual fee Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Visa Rewards (Unsecured)	-	13.49%
Details As Low As; Rates From 13.49% to Rates To 19.49%; Earn cash on purchases; $1=1.5 points; Variable Rate; Prime +6.74% to +12.74%, adjusted quarterly; maximum rates 16.99% APR to 22.99% APR; minimum payment greater of 1% of balance plus interest or $25; 25-day grace period; 2% cash advance fee; no overlimit fee; no annual fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Gold (Unsecured)	11.49%
Details As Low As; Rates From 11.49% to Rates To 23.74%; Variable Rate; Prime +4.74% to +23.74%, adjusted quarterly; maximum rates 14.99% APR to 23.74% APR; minimum payment greater of 1% of balance plus interest or $25; 25-day grace period; 2% cash advance fee; no overlimit fee; no annual fee Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Personal Line of Credit	13.49%
Details As Low As; Click for rates & terms; Real Estate Loan Rates page, servicing Washington, Oregon, Alaska and Idaho Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 13.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Visa Rewards (Unsecured)	13.49%
Details As Low As; Rates From 13.49% to Rates To 19.49%; Earn cash on purchases; $1=1.5 points; Variable Rate; Prime +6.74% to +12.74%, adjusted quarterly; maximum rates 16.99% APR to 22.99% APR; minimum payment greater of 1% of balance plus interest or $25; 25-day grace period; 2% cash advance fee; no overlimit fee; no annual fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

Qualstar Credit Union Other Rates

Product	Rate	Points	APY/APR
Gateway Line of Credit	-	-	27.99%
Details Variable rate; Prime +23.99%, adjusted quarterly; min. rate 27.99%; max. rate 39.74%; account fee may apply; Rates effective 03/01/2023 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 27.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
Saving4__	1.00%	-	1.00%
Details 6-24 month terms available; Compounds & Credits: Monthly; Rates Effective: 04/01/2025; Fees could reduce earnings if withdrawn prior to maturity Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%
StarSavers & MyCash Savings	0.75%	-	0.75%
Details Youth Account Rate; Compounds & Credits: Monthly; Rates effective 04/01/2025; Rates may change after the account is opened Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.83%

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

Qualstar Credit Union’s Texas Ratio stayed near 5.14% in Q3 2023 to 4.83% 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; 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	$939M	4.83%	5.0	A+
March 31, 2026	$923M	4.37%	5.0	A+
December 31, 2025	$902M	5.37%	5.0	A+
September 30, 2025	$891M	4.61%	5.0	A+
June 30, 2025	$874M	6.34%	5.0	A
March 31, 2025	$873M	6.77%	5.0	A
December 31, 2024	$832M	9.20%	5.0	A
September 30, 2024	$822M	7.80%	5.0	A
June 30, 2024	$806M	8.04%	5.0	A
March 31, 2024	$1.0B	6.21%	5.0	A
December 31, 2023	$984M	7.42%	5.0	A
September 30, 2023	$985M	5.14%	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 Qualstar 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 Qualstar 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 Qualstar Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Qualstar Credit Union

Website https://www.qualstarcu.com

Address 24000 35th Ave SE # 200, Bothell, WA 98021-8990

Phone 800-848-0018

Fax

President MITCH JOHNSON

CEO MICHAEL ELFSTROM

Full-Time Employees 113

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.83%

Return on Assets (ROA)

0.6987%

Return on Equity (ROE)

4.3594%

Non-Performing Loans Ratio (NPL)

1.41%

Total Assets

939,346,207

Total Amount of Shares and Deposits

774,581,190

Total Shares and Deposits < 1 Year

762,609,013

Total Shares and Deposits 1 3 Years

8,127,034

Total Shares and Deposits > 3 Years

3,845,143

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

65,945,513

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

65,945,513

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

708,635,677

Total Interest Expense (Sum of items 6 8)

8,928,204

Share Certificates

1,376

Number of Accounts for Share Drafts

48,194

IRA KEOGH Accounts

1,167

Number of Accounts for Regular Shares

22,312

All other shares

Non Member Deposits

10,089

Money Market Shares

11,095

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)

85,870,596

Total Liabilities

786,776,878

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Qualstar 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.

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, and this profile page always shows the latest results, so the code never needs to change.

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

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Qualstar Credit Union

Does Qualstar Credit Union offer CDs?

Yes. Qualstar Credit Union current CD rates include its CD - 3-Mo. Term at 3.51% APY, its CD - 60-Mo. Term at 3.51% APY and its CD - 6-Mo. Term at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Qualstar Credit Union NCUA insured?

Yes. Qualstar 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 Qualstar Credit Union?

The highest Qualstar Credit Union CD rate is its IRA CD 60-Mo. Term at 3.51% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Qualstar Credit Union offer?

Qualstar Credit Union CD rates are 3.51% APY for a 3 month CD, 3.40% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.35% APY for a 4 year CD and 3.51% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Qualstar Credit Union for its full lineup.

What is the highest savings rate at Qualstar Credit Union?

The highest Qualstar Credit Union savings rate is its Savings at 0.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Qualstar Credit Union?

The highest Qualstar Credit Union money market rate is its Premier Money Market at 3.51% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Qualstar Credit Union?

The highest Qualstar Credit Union checking rate is its Premier Checking at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Qualstar Credit Union?

The lowest Qualstar Credit Union auto loan rate is its Auto Loans at 4.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Qualstar Credit Union?

The lowest Qualstar Credit Union personal loan rate is its Visa Gold (Unsecured) at 11.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Qualstar Credit Union?

The lowest Qualstar Credit Union credit card APR is its Visa Credit Cards at 11.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Qualstar Credit Union operate?

Qualstar 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 Qualstar Credit Union?

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

Does Qualstar Credit Union offer online and mobile banking?

Most modern institutions like Qualstar 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.qualstarcu.com.

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 Qualstar Credit Union rates compare?

Qualstar Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A+ health rating. Qualstar Credit Union's top rates are its IRA CD 60-Mo. Term at 3.51% APY, its Savings at 0.75% APY, its Premier Money Market at 3.51% APY, its Premier Checking at 0.50% APY, its Visa Gold (Unsecured) at 11.49% APR and its Visa Credit Cards at 11.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Qualstar Credit Union Rates

Savings0.75%
MMA3.51%

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

Compare to Other Credit Unions

Qualstar Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Qualstar Credit Union Texas Ratio

Qualstar Credit Union Health Trend

Qualstar Credit Union CD Rates

Qualstar Credit Union Savings Rates

Qualstar Credit Union Money Market Rates

Qualstar Credit Union Checking Rates

Qualstar Credit Union Home Equity & HELOC

Qualstar Credit Union Auto Loan Rates

Qualstar Credit Union RV, Boat and Powersport Loan Rates

Qualstar Credit Union Credit Card Rates

Qualstar Credit Union Personal Loan Rates

Qualstar Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Qualstar Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Qualstar Credit Union

Does Qualstar Credit Union offer CDs?

Are CDs from Qualstar Credit Union NCUA insured?

What is the highest CD rate at Qualstar Credit Union?

What CD terms does Qualstar Credit Union offer?

What is the highest savings rate at Qualstar Credit Union?

What is the highest money market rate at Qualstar Credit Union?

What is the highest checking rate at Qualstar Credit Union?

What is the lowest auto loan rate at Qualstar Credit Union?

What is the lowest personal loan rate at Qualstar Credit Union?

What is the lowest credit card APR at Qualstar Credit Union?

How many branches does Qualstar Credit Union operate?

Is a member application needed to join Qualstar Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Qualstar Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Qualstar Credit Union rates compare?

Current Qualstar Credit Union Rates

Compare to Other Credit Unions