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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 RTP Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
RTP Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of RTP Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.12%. Rates were last updated on 04/23/2026. RTP 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 RTP Federal Credit Union? Share your experience about RTP Federal Credit Union by leaving a review below, or read customer reviews before you decide to use RTP Federal Credit Union. RTP Federal Credit Union
RTP Federal Credit Union 384 Davis Dr
https://www.rtpfcu.org Morrisville, NC 27560 6336 
RTP Federal Credit Union Home Equity & HELOC
RTP Federal Credit Union Auto Loan Rates
RTP Federal Credit Union Credit Card Rates
RTP Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for RTP 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 RTP 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 RTP Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
RTP Federal Credit Union
Website
https://www.rtpfcu.org
Address
384 Davis Dr,
Morrisville, NC 27560 6336
Phone
919-941-5700
Fax
919-484-8435
President
Cynthia Bland
CEO
Charles Venable
Full-Time Employees
30
Part-Time Employees
1
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.12%
Return on Assets (ROA)
0.1761%
Return on Equity (ROE)
2.2353%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
142,576,208
Total Amount of Shares and Deposits
131,015,232
Total Shares and Deposits < 1 Year
129,830,976
Total Shares and Deposits 1 3 Years
793,141
Total Shares and Deposits > 3 Years
391,115
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,147,813
Total Uninsured Shares and Deposits > $250K (F+J)
4,147,813
Total Insured Shares and Deposits > $250K (item 17 less item K)
126,867,419
Total Interest Expense (Sum of items 6 8)
984,746
Share Certificates
857
Number of Accounts for Share Drafts
5,168
IRA KEOGH Accounts
430
Number of Accounts for Regular Shares
10,605
Money Market Shares
582
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,528,709
Total Liabilities
132,176,030
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About RTP Federal Credit UnionIs RTP Federal Credit Union a safe place to deposit money?Yes, RTP Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.1168919567342%, 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 RTP Federal Credit Union operate?RTP 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 RTP Federal Credit Union?Yes, to access services at RTP 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, RTP 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, RTP Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does RTP Federal Credit Union offer online and mobile banking?Most modern institutions like RTP 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.rtpfcu.org. Compare to Other Credit Unions
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