What are the current interest rates at R-G Federal Credit Union?

Current rates for R-G Federal Credit Union include: 12-Month CD: 3.00%, 24-Month CD: 4.15%, 60-Month CD: 2.00%, MMA: 3.25%

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R-G Federal Credit Union

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R-G Federal Credit Union Rates & Review October 2026

Q: How many branches does R-G Federal Credit Union operate?

R-G 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.

Q: Is a member application needed to join R-G Federal Credit Union?

Yes, to access services at R-G 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, R-G 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 9, 2026

R-G Federal Credit Union's top rates as of October 9, 2026 are 4.20% APY on its Premier CD Accounts - 24 month, 3.25% APY on money market accounts, 2.00% APY on checking, 5.50% on its VA Mortgage - Purchase 10 Year Fixed, personal loans from 9.29% APR, and credit cards from 8.75% APR, according to rates verified by MonitorBankRates. Other R-G Federal Credit Union CD rates include 24 month CD Account at 4.15%, 24 month IRA CD Account at 4.15%, and 24 month CD Accounts at 4.15%. Other R-G Federal Credit Union mortgage rates include 10 Year Fixed at 5.75%, First Mortgage - Purchase 10 Year Fixed at 5.75%, and VA Mortgage - Purchase 15 Year Fixed at 5.75%. MonitorBankRates evaluates the financial stability of R-G Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.39%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

4.39%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

R-G Federal Credit Union
RAYMORE OPERATIONS CENTER

421 REMINGTON PLAZA CT
RAYMORE, MO 64083

https://www.rgfcu.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.

R-G Federal Credit Union CD Rates

Product	Rate	APY	Term
Premier Term Share Accounts - 24 month	4.13%	4.20%	24 Months
Min Balance $100,000 Details $100,000 - $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
24 month Term Share Account	4.09%	4.15%	24 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Oct 5, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
24 month IRA Term Share Account	4.09%	4.15%	24 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History 1 change since Sep 25, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10% Oct 5, 20264.15%▲ from 4.10% Sep 25, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
24 month Term Share Accounts	4.09%	4.15%	24 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Oct 5, 20264.15%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
6 month IRA Term Share Account	3.94%	4.00%	6 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
12 month IRA Term Share Account	3.70%	3.75%	12 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premier Term Share Accounts - 6 month	3.69%	3.75%	6 Months
Min Balance $100,000 Details $100,000 - $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premier Term Share Accounts - 12 month	3.45%	3.50%	12 Months
Min Balance $100,000 Details $100,000 - $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
6 month Term Share Account	3.22%	3.25%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
6 month Term Share Accounts	3.22%	3.25%	6 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premier Term Share Accounts - 60 month	3.14%	3.19%	60 Months
Min Balance $100,000 Details $100,000 - $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.19% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premier Term Share Accounts - 48 Month	3.10%	3.15%	48 Month
Min Balance $100,000 Details $100,000 - $250,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premier Term Share Accounts - 36 month	3.05%	3.10%	36 Months
Min Balance $100,000 Details $100,000 - $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
12 month Term Share Account	2.97%	3.00%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
12 month Term Share Accounts	2.97%	3.00%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
36 month IRA Term Share Account	2.73%	2.75%	36 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
36 month Term Share Account	2.47%	2.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
48 month IRA Term Share Account	2.48%	2.50%	48 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
36 month Term Share Accounts	2.47%	2.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
48 month Term Share Account	2.23%	2.25%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
60 month IRA Term Share Account	2.24%	2.25%	60 Months
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
48 month Term Share Accounts	2.23%	2.25%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
60 month Term Share Account	1.98%	2.00%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
60 month Term Share Accounts	1.98%	2.00%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Savings Rates

Product	Rate	APY	View More
Smart Savers Club and Holiday Club Accounts	0.75%	0.75%
Details Any Balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Share Accounts	3.20%	3.25%
Min Balance $10,000 Details Balance: Minimum $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Checking Rates

Product	Rate	APY
Premier Checking	2.00%	2.00%
Details Qualifications Required; If monthly qualifications met** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Elite Checking	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Premier Checking	0.01%	0.01%
Details If qualifications not met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
VA Mortgage - Purchase 10 Year Fixed	-	-	5.50%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 5.50% ▲ 0.35 pts · high 5.50% / low 5.15% Oct 2, 20265.50%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
10 Year Fixed	-	-	5.75%	10 Year
Details As Low As; First Mortgage - Purchase Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
First Mortgage - Purchase 10 Year Fixed	-	-	5.75%	10 Year
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.60% → 5.75% ▲ 0.15 pts · high 5.75% / low 5.60% Oct 2, 20265.75%▲ from 5.60% Sep 14, 20265.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
VA Mortgage - Purchase 15 Year Fixed	-	-	5.75%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.40% → 5.75% ▲ 0.35 pts · high 5.75% / low 5.40% Oct 2, 20265.75%▲ from 5.40% Sep 14, 20265.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
15 Year Fixed	-	-	6.00%	15 Year
Details As Low As; First Mortgage - Purchase Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
First Mortgage - Purchase 15 Year Fixed	-	-	6.00%	15 Year
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.85% → 6.00% ▲ 0.15 pts · high 6.00% / low 5.85% Oct 2, 20266.00%▲ from 5.85% Sep 14, 20265.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
VA Mortgage - Purchase 20 Year Fixed	-	-	6.00%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.65% → 6.00% ▲ 0.35 pts · high 6.00% / low 5.65% Oct 2, 20266.00%▲ from 5.65% Sep 14, 20265.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
20 Year Fixed	-	-	6.25%	20 Year
Details As Low As; First Mortgage - Purchase Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
First Mortgage - Purchase 20 Year Fixed	-	-	6.25%	20 Year
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.10% → 6.25% ▲ 0.15 pts · high 6.25% / low 6.10% Oct 2, 20266.25%▲ from 6.10% Sep 14, 20266.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
VA Mortgage - Purchase 30 Year Fixed	-	-	6.25%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.90% → 6.25% ▲ 0.35 pts · high 6.25% / low 5.90% Oct 2, 20266.25%▲ from 5.90% Sep 14, 20265.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
30 Year Fixed	-	-	6.50%	30 Year
Details As Low As; First Mortgage - Purchase Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
First Mortgage - Purchase 30 Year Fixed	-	-	6.50%	30 Year
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.35% → 6.50% ▲ 0.15 pts · high 6.50% / low 6.35% Oct 2, 20266.50%▲ from 6.35% Sep 14, 20266.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Vehicle loan	-	-	4.29%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 3.99% → 4.29% ▲ 0.30 pts · high 4.29% / low 3.99% Oct 5, 20264.29%▲ from 3.99% Sep 17, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	8.75%
Details As Low As; Rates starting as low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Classic Visa Card	-	12.75%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal loan	9.29%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 8.99% → 9.29% ▲ 0.30 pts · high 9.29% / low 8.99% Oct 5, 20269.29%▲ from 8.99% Sep 17, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Signature Loans	9.29%	1 to 60 months
Details As Low As; * Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.29% ▲ 0.30 pts · high 9.29% / low 8.99% Oct 5, 20269.29%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

R-G Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Rate Second Mortgage - 10-YR	-	-	7.50%	10-YR
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 9, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Fixed Rate Second Mortgage - 15-Yr	-	-	7.60%	15-Yr
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.35% → 7.60% ▲ 0.25 pts · high 7.60% / low 7.35% Oct 9, 20267.60%▲ from 7.35% Sep 14, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Fixed Rate Second Mortgage - 5-Yr	-	-	7.40%	5-Yr
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.15% → 7.40% ▲ 0.25 pts · high 7.40% / low 7.15% Oct 9, 20267.40%▲ from 7.15% Sep 14, 20267.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New (2025 and newer) 37-60 months Loan	-	-	4.39%	37-60 months
Details As Low As; New Vehicle Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New (2025 and newer) 61-72 months Loan	-	-	4.79%	61-72 months
Details As Low As; New Vehicle Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New (2025 and newer) 73-84 months Loan	-	-	5.39%	73-84 months
Details As Low As; New Vehicle Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
New (2025 and newer) up to 36 months Loan	-	-	4.29%	up to 36 months
Details As Low As; New Vehicle Loan Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.29% ▲ 0.30 pts · high 4.29% / low 3.99% Oct 5, 20264.29%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Used 37-60 Months Loan	-	-	4.89%	37-60 months
Details As Low As; Used Vehicle Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Used 61-72 Months Loan	-	-	5.29%	61-72 months
Details As Low As; Used Vehicle Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Used 73-84 Months Loan	-	-	5.89%	73-84 months
Details As Low As; Used Vehicle Loan Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Used up to 36 Months Loan	-	-	4.79%	up to 36 Months
Details As Low As; Used Vehicle Loan Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.79% ▲ 0.30 pts · high 4.79% / low 4.49% Oct 5, 20264.79%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
IRA Accounts	0.50%	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.05%	-	0.05%
Min Balance $5 Details Balance: $5.00 to $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.10%	-	0.10%
Min Balance $5,000 Details Balance: $5,000.00 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.15%	-	0.15%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.20%	-	0.20%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.25%	-	0.25%
Min Balance $100,000 Details Balance: $100,000.00 to $149,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.30%	-	0.30%
Min Balance $150,000 Details Balance: $150,000.00 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.30%	-	0.30%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Share Accounts	0.30%	-	0.30%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

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

R-G Federal Credit Union’s Texas Ratio rose from 3.53% in Q3 2023 to 4.39% 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	$154M	4.39%	5.0	A+
March 31, 2026	$147M	4.63%	5.0	A+
December 31, 2025	$143M	5.50%	5.0	A+
September 30, 2025	$142M	3.38%	5.0	A+
June 30, 2025	$143M	4.59%	5.0	A+
March 31, 2025	$138M	2.77%	5.0	A+
December 31, 2024	$135M	5.59%	5.0	A+
September 30, 2024	$135M	2.83%	5.0	A+
June 30, 2024	$135M	3.31%	5.0	A+
March 31, 2024	$134M	2.71%	5.0	A+
December 31, 2023	$136M	4.88%	5.0	A+
September 30, 2023	$136M	3.53%	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 R-G 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 R-G 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 R-G Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name R-G Federal Credit Union

Website https://www.rgfcu.com/

Address 421 REMINGTON PLAZA CT, RAYMORE, MO 64083

Phone 816-783-5900

Fax 816-416-8025

President Thomas Keeney

CEO Steven Deere

Full-Time Employees 40

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

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

4.39%

Return on Assets (ROA)

0.0877%

Return on Equity (ROE)

0.9234%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

153,592,056

Total Amount of Shares and Deposits

128,050,406

Total Shares and Deposits < 1 Year

125,828,662

Total Shares and Deposits 1 3 Years

2,148,209

Total Shares and Deposits > 3 Years

73,535

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

15,718,465

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

15,718,465

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

112,331,941

Total Interest Expense (Sum of items 6 8)

1,017,387

Share Certificates

294

Number of Accounts for Share Drafts

4,062

IRA KEOGH Accounts

228

Number of Accounts for Regular Shares

8,683

All other shares

252

Money Market Shares

190

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

134,686

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)

1,483,387

Total Liabilities

139,948,745

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

R-G Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About R-G Federal Credit Union

How many branches does R-G Federal Credit Union operate?

R-G 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 R-G Federal Credit Union?

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

Does R-G Federal Credit Union offer online and mobile banking?

Most modern institutions like R-G 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.rgfcu.com/.