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Quantum Credit Union Rates & Review March 2026

Quantum Credit Union's 12 Month CD rates are at 4.00%, IRA & CD (CD) 12 month rates are at 4.00%, IRA & CD (CD) 9 month rates are at 3.75%, 22 Month CD rates are at 3.25%, IRA & CD (CD) 22 month rates are at 3.25%. Quantum Credit Union's savings rates are at 0.05%. Quantum Credit Union's money market rates are at 0.15%. Quantum Credit Union's Personal Loan Rates are at 5.25%. MonitorBankRates evaluates the financial stability of Quantum Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.81%. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.81%
Excellent Lower than avg
Quantum Credit Union
West
6300 W 21st St N
Wichita, KS 67205
https://www.theq.org
Member NCUA

Quantum Credit Union CD Rates

Product Rate APY Term View More
12 Month CD - 4.00% 12
Min Deposit $500
Details Auto renews at standard rate for 12 months. Rates subject to change without notice. Penalty for early withdrawal. Limited time only.
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 12 month - 4.00% 12 Months
Details Dividend paid quarterly; 90-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 9 month - 3.75% 9 Months
Details Dividend paid at maturity; 90-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
22 Month CD - 3.25% 22
Min Deposit $500
Details Auto renews at standard rate for 12 months. Rates subject to change without notice. Penalty for early withdrawal. Limited time only.
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 22 month - 3.25% 22 Months
Details Dividend paid quarterly; 90-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 60 month - 1.50% 60 Months
Details Dividend paid annually; 360-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 36 month - 1.25% 36 Months
Details Dividend paid annually; 180-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 24 month - 1.00% 24 Months
Details Dividend paid quarterly; 120-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 18 month - 0.75% 18 Months
Details Dividend paid quarterly; 90-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 12 month - 0.70% 12 Months
Details Dividend paid quarterly; 90-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 6 month - 0.40% 6 Months
Details Dividend paid at maturity; 60-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
IRA & Share Certificate (CD) 3 month - 0.30% 3 Months
Details Dividend paid at maturity; 30-day penalty
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Quantum Credit Union Savings Rates

Product Rate APY View More
Kid's Account - Savings 0.05% 0.05%
Min Deposit $5
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
Savings Account 0.05% 0.05%
Min Deposit $5
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
Youth Account - Savings 0.05% 0.05%
Min Deposit $5
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Quantum Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.30% 0.30%
Min Balance $50,000
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
Money Market 0.20% 0.20%
Min Balance $5,000
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
Money Market 0.15% 0.15%
Min Deposit $5,000
Details Minimum $5,000 to Open
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Quantum Credit Union Checking Rates

Product Rate APY View More
The Q Plus Checking 0.03% 0.03%
Min Balance $100
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Quantum Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 4.75%
Details Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime Plus or minus a margin and the Loan to Value. Maximum APR during the life of the loans is 18.00% APR. Appraisal is required with a fee range from $250-$500. For a limited time, Quantum will waive your closing costs for the following fees: title insurance, recording fees, and flood certification. Limited to owner-occupied properties. Other restrictions, fees and limitations may apply.
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Quantum Credit Union Auto Loan Rates

Product Rate Points APR Term View More
AUTO LOANS (NEW & USED) - - 5.25% 48
Details As Low As; Model Year 2025-2015
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
AUTO LOANS (NEW & USED) - - 5.49% 60
Details As Low As; Model Year 2025-2015
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
AUTO LOANS (NEW & USED) - - 5.75% 72
Details As Low As; Model Year 2025-2015
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
AUTO LOANS (NEW & USED) - - 6.25% 84
Details As Low As; Model Year 2025-2015
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Quantum Credit Union Credit Card Rates

Product Rate APR View More
Visa Rewards Credit Card - 9.90%
No additional details.
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%
Visa Share Secured Card - 12.00%
No additional details.
Last Updated 03/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.81%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Quantum 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 Quantum 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 Quantum Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Quantum Credit Union
Address 6300 W 21st St N, Wichita, KS 67205
Phone 316-263-5756
Fax 316-263-5757
President Dan Horine
CEO Jacob Burrow
Full-Time Employees 37
Part-Time Employees 5
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+ (99/100)
Texas Ratio
2.81%
Return on Assets (ROA)
0.4735%
Return on Equity (ROE)
4.2534%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
136,240,941
Total Amount of Shares and Deposits
119,126,669
Total Shares and Deposits < 1 Year
116,708,403
Total Shares and Deposits 1 3 Years
2,064,725
Total Shares and Deposits > 3 Years
353,541
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,675,022
Total Uninsured Shares and Deposits > $250K (F+J)
5,675,022
Total Insured Shares and Deposits > $250K (item 17 less item K)
113,451,647
Total Interest Expense (Sum of items 6 8)
1,446,838
Share Certificates
923
Number of Accounts for Share Drafts
5,328
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
13,637
All other shares
69
Money Market Shares
332
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,663,140
Total Liabilities
121,112,287
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Quantum Credit Union

Is Quantum Credit Union a safe place to deposit money?

Yes, Quantum Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8067716284683%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Quantum Credit Union operate?

Quantum 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 Quantum Credit Union?

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

Does Quantum Credit Union offer online and mobile banking?

Most modern institutions like Quantum 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.theq.org.

Current Quantum Credit Union Rates

  • 12-Month CD0.70%
  • 18-Month CD0.75%
  • 24-Month CD1.00%
  • 60-Month CD1.50%
  • Savings0.05%
  • MMA0.15%
Retrieved from our database of financial products. Rates subject to change.