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

Current rates for Redstone Federal Credit Union include: 12-Month CD: 2.95%, 18-Month CD: 3.55%, 24-Month CD: 3.65%, 60-Month CD: 3.75%, Savings: 4.06%, MMA: 2.53%

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Redstone Federal Credit Union

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Redstone Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Redstone 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

Redstone Federal Credit Union's top rates as of October 12, 2026 are 4.23% APY on its Jumbo CD - 60 month Fixed, 4.06% APY on savings, 2.53% APY on money market accounts, 0.10% APY on checking, personal loans from 10.99% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Redstone Federal Credit Union CD rates include Jumbo CD - 48 month Fixed at 4.18%, Jumbo CD - 60 month Fixed at 4.15%, and Jumbo CD - 12 month Fixed at 4.13%. MonitorBankRates evaluates the financial stability of Redstone Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.10%. Rates last updated and verified on 10/12/2026.

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

2.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Redstone Federal Credit Union
Main Office

220 Wynn Dr
Huntsville, AL 35893

https://www.redfcu.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.

Redstone Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Certificate - 60 month Fixed	4.15%	4.23%	60 Months
Min Deposit $100,000 Details Compounding: dividend rate 4.15%, APY compounding 4.23% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02% Oct 4, 20264.23%▲ from 4.13% Sep 18, 20264.13%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 48 month Fixed	4.10%	4.18%	48 Months
Min Deposit $100,000 Details Compounding: dividend rate 4.10%, APY compounding 4.18% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97% Oct 4, 20264.18%▲ from 4.07% Sep 18, 20264.07%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 60 month Fixed	4.15%	4.15%	60 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 4.15%, APY non-compounding 4.15% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02% Oct 12, 20264.15%▼ from 4.23% Oct 4, 20264.23%▲ from 4.13% Sep 18, 20264.13%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 12 month Fixed	4.05%	4.13%	12 Months
Min Deposit $100,000 Details Compounding: dividend rate 4.05%, APY compounding 4.13% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82% Oct 4, 20264.13%▲ from 4.02% Sep 25, 20264.02%▲ from 3.92% Sep 18, 20263.92%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 36 month Fixed	4.05%	4.13%	36 Months
Min Deposit $100,000 Details Compounding: dividend rate 4.05%, APY compounding 4.13% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92% Oct 4, 20264.13%▲ from 4.02% Sep 18, 20264.02%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 48 month Fixed	4.10%	4.10%	48 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 4.10%, APY non-compounding 4.10% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97% Oct 12, 20264.10%▼ from 4.18% Oct 4, 20264.18%▲ from 4.07% Sep 18, 20264.07%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 12 month Fixed	4.05%	4.05%	12 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05% Last Updated 10/12/2026 Rate History 4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 pts · high 4.13% / low 3.82% Oct 12, 20264.05%▼ from 4.13% Oct 4, 20264.13%▲ from 4.02% Sep 25, 20264.02%▲ from 3.92% Sep 18, 20263.92%▲ from 3.82% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 36 month Fixed	4.05%	4.05%	36 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 pts · high 4.13% / low 3.92% Oct 12, 20264.05%▼ from 4.13% Oct 4, 20264.13%▲ from 4.02% Sep 18, 20264.02%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 24 month Fixed	3.95%	4.02%	24 Months
Min Deposit $100,000 Details Compounding: dividend rate 3.95%, APY compounding 4.02% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82% Oct 4, 20264.02%▲ from 3.92% Sep 18, 20263.92%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 6 month Fixed	3.90%	3.97%	6 Months
Min Deposit $100,000 Details Compounding: dividend rate 3.90%, APY compounding 3.97% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76% Oct 4, 20263.97%▲ from 3.87% Sep 18, 20263.87%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 24 month Fixed	3.95%	3.95%	24 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 3.95%, APY non-compounding 3.95% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 pts · high 4.02% / low 3.82% Oct 12, 20263.95%▼ from 4.02% Oct 4, 20264.02%▲ from 3.92% Sep 18, 20263.92%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 18 month Fixed	3.85%	3.92%	18 Months
Min Deposit $100,000 Details Compounding: dividend rate 3.85%, APY compounding 3.92% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71% Oct 4, 20263.92%▲ from 3.82% Sep 18, 20263.82%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 60 month Fixed	3.85%	3.91%	60 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.85%, APY compounding 3.91% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70% Oct 4, 20263.91%▲ from 3.80% Sep 18, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 60 month Fixed	3.85%	3.91%	60 Months
Min Balance $500 Details Traditional IRAs and Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 6 month Fixed	3.90%	3.90%	6 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 3.90%, APY non-compounding 3.90% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.97% / low 3.76% Oct 12, 20263.90%▼ from 3.97% Oct 4, 20263.97%▲ from 3.87% Sep 18, 20263.87%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Jumbo Certificate - 18 month Fixed	3.85%	3.85%	18 Months
Min Deposit $100,000 Details Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.92% / low 3.71% Oct 12, 20263.85%▼ from 3.92% Oct 4, 20263.92%▲ from 3.82% Sep 18, 20263.82%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 48 month Fixed	3.80%	3.85%	48 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.80%, APY compounding 3.85% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 4, 20263.85%▲ from 3.75% Sep 18, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 60 month Fixed	3.85%	3.85%	60 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.91% / low 3.70% Oct 12, 20263.85%▼ from 3.91% Oct 4, 20263.91%▲ from 3.80% Sep 18, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 48 month Fixed	3.80%	3.85%	48 Months
Min Balance $500 Details Traditional IRAs and Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 month Fixed	3.75%	3.80%	60 Months
Details Compounding: dividend rate 3.75%, APY compounding 3.80% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 4, 20263.80%▲ from 3.70% Sep 18, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 12 month Fixed	3.75%	3.80%	12 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.75%, APY compounding 3.80% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.49% → 3.80% ▲ 0.31 pts · high 3.80% / low 3.49% Oct 4, 20263.80%▲ from 3.70% Sep 25, 20263.70%▲ from 3.60% Sep 18, 20263.60%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 36 month Fixed	3.75%	3.80%	36 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.75%, APY compounding 3.80% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 4, 20263.80%▲ from 3.70% Sep 18, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 48 month Fixed	3.80%	3.80%	48 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.80%, APY non-compounding 3.80% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65% Oct 12, 20263.80%▼ from 3.85% Oct 4, 20263.85%▲ from 3.75% Sep 18, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 12 month Fixed	3.75%	3.80%	12 Months
Min Balance $5 Details Traditional IRAs and Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 36 month Fixed	3.75%	3.80%	36 Months
Min Balance $500 Details Traditional IRAs and Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 month Fixed	3.70%	3.75%	48 Months
Details Compounding: dividend rate 3.70%, APY compounding 3.75% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 4, 20263.75%▲ from 3.65% Sep 18, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 month Fixed	3.75%	3.75%	60 Months
Details Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60% Oct 12, 20263.75%▼ from 3.80% Oct 4, 20263.80%▲ from 3.70% Sep 18, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 12 month Fixed	3.75%	3.75%	12 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75% Last Updated 10/12/2026 Rate History 4 changes since Sep 14, 2026 · 3.49% → 3.75% ▲ 0.26 pts · high 3.80% / low 3.49% Oct 12, 20263.75%▼ from 3.80% Oct 4, 20263.80%▲ from 3.70% Sep 25, 20263.70%▲ from 3.60% Sep 18, 20263.60%▲ from 3.49% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 36 month Fixed	3.75%	3.75%	36 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60% Oct 12, 20263.75%▼ from 3.80% Oct 4, 20263.80%▲ from 3.70% Sep 18, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 month Fixed	3.65%	3.70%	36 Months
Details Compounding: dividend rate 3.65%, APY compounding 3.70% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49% Oct 4, 20263.70%▲ from 3.60% Sep 18, 20263.60%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 month Fixed	3.70%	3.70%	48 Months
Details Non-Compounding: dividend rate 3.70%, APY non-compounding 3.70% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.75% / low 3.55% Oct 12, 20263.70%▼ from 3.75% Oct 4, 20263.75%▲ from 3.65% Sep 18, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 24 month Fixed	3.65%	3.70%	24 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.65%, APY compounding 3.70% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49% Oct 4, 20263.70%▲ from 3.60% Sep 18, 20263.60%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 24 month Fixed	3.65%	3.70%	24 Months
Min Balance $500 Details Traditional IRAs and Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 month Fixed	3.65%	3.65%	36 Months
Details Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49% Oct 12, 20263.65%▼ from 3.70% Oct 4, 20263.70%▲ from 3.60% Sep 18, 20263.60%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 24 month Fixed	3.65%	3.65%	24 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49% Oct 12, 20263.65%▼ from 3.70% Oct 4, 20263.70%▲ from 3.60% Sep 18, 20263.60%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 6 month Fixed	3.60%	3.65%	6 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.60%, APY compounding 3.65% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.44% → 3.65% ▲ 0.21 pts · high 3.65% / low 3.44% Oct 4, 20263.65%▲ from 3.55% Sep 18, 20263.55%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 18 month Fixed	3.55%	3.60%	18 Months
Min Deposit $1,000 Details Compounding: dividend rate 3.55%, APY compounding 3.60% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39% Oct 4, 20263.60%▲ from 3.49% Sep 18, 20263.49%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 6 month Fixed	3.60%	3.60%	6 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.60%, APY non-compounding 3.60% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.65% / low 3.44% Oct 12, 20263.60%▼ from 3.65% Oct 4, 20263.65%▲ from 3.55% Sep 18, 20263.55%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 18 month Fixed	3.55%	3.60%	18 Months
Min Balance $5 Details Traditional IRAs and Roth IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Share Certificate - 18 month Fixed	3.55%	3.55%	18 Months
Min Deposit $1,000 Details Non-Compounding: dividend rate 3.55%, APY non-compounding 3.55% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.60% / low 3.39% Oct 12, 20263.55%▼ from 3.60% Oct 4, 20263.60%▲ from 3.49% Sep 18, 20263.49%▲ from 3.39% Sep 14, 20263.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Special Offers - 6 month (Starter) Fixed	3.40%	3.44%	6 Months
Details Compounding: dividend rate 3.40%, APY compounding 3.44% Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.24% → 3.44% ▲ 0.20 pts · high 3.44% / low 3.24% Oct 4, 20263.44%▲ from 3.34% Sep 18, 20263.34%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Special Offers - 6 month (Starter) Fixed	3.40%	3.40%	6 Months
Details Non-Compounding: dividend rate 3.40%, APY non-compounding 3.40% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 3.24% → 3.40% ▲ 0.16 pts · high 3.44% / low 3.24% Oct 12, 20263.40%▼ from 3.44% Oct 4, 20263.44%▲ from 3.34% Sep 18, 20263.34%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Special Offers - 12 month (No-Penalty) Fixed	2.95%	2.98%	12 Months
Details Compounding: dividend rate 2.95%, APY compounding 2.98% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 2.68% → 2.98% ▲ 0.30 pts · high 2.98% / low 2.68% Oct 4, 20262.98%▲ from 2.88% Sep 25, 20262.88%▲ from 2.78% Sep 18, 20262.78%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Special Offers - 12 month (No-Penalty) Fixed	2.95%	2.95%	12 Months
Details Non-Compounding: dividend rate 2.95%, APY non-compounding 2.95% Last Updated 10/12/2026 Rate History 4 changes since Sep 14, 2026 · 2.68% → 2.95% ▲ 0.27 pts · high 2.98% / low 2.68% Oct 12, 20262.95%▼ from 2.98% Oct 4, 20262.98%▲ from 2.88% Sep 25, 20262.88%▲ from 2.78% Sep 18, 20262.78%▲ from 2.68% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Savings Rates

Product	Rate	APY
Brighter Day Savings Account	4.00%	4.06%
Min Deposit $1 Min Balance $0 Details Balance: $0 to $2,500; Qualifying balance up to $2,500.00; Only one Brighter Day Savings account allowed per member; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.06% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
"You Name It" Savings Account	0.25%	0.25%
Min Deposit $1 Min Balance $500 Details Membership required; Minimum daily balance of $500.00 required to earn dividends and disclosed APY Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Brighter Day Savings Account	-	0.25%
Min Deposit $1 Min Balance $2,500 Details Balance: $2,500.01 and over; Only one Brighter Day Savings account allowed per member; Membership required; APY subject to change monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Christmas Club Savings	-	0.25%
Min Deposit $1 Min Balance $0 Details Dividends paid Quarterly; Funds transferred to chosen account in November Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Christmas Club Share Account	0.25%	0.25%
Min Deposit $1 Details Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Regular Savings	-	0.25%
Min Deposit $5 Min Balance $0 Details Dividends paid Quarterly; Membership and savings rolled into one Savings Account Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Regular Share Account	0.25%	0.25%
Min Deposit $5 Min Balance $5 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional and Roth Savings IRA	0.25%	0.25%
Min Balance $5 Details Traditional and Roth Savings IRA Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
You Name It Savings	-	0.25%
Min Deposit $1 Min Balance $500 Details Dividends paid Monthly Last Updated 10/12/2026 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: 2.10%

Redstone Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Endeavor Savings Account	0.25%	0.25%
Min Balance $0 Details Balance: $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Account	2.50%	2.53%
Min Deposit $1 Min Balance $1,000,000 Details Balance: $1,000,000 and above; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Share Account	2.10%	2.12%
Min Deposit $1 Min Balance $500,000 Details Balance: $500,000 to $999,999.99; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Share Account	1.70%	1.71%
Min Deposit $1 Min Balance $250,000 Details Balance: $250,000 to $499,999.99; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Share Account	1.50%	1.51%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000 $249,999.99; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Share Account	1.25%	1.26%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Share Account	1.15%	1.16%
Min Deposit $1 Min Balance $5,000 Details Balance: $5,000 to $49,999.99; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Share Account	1.00%	1.00%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000 to $4,999.99; Membership required Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Endeavor Money Market	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Endeavor Money Market	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Endeavor Money Market	1.15%	1.16%
Min Balance $5,000 Details Balance: $5,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Endeavor Money Market	1.00%	1.00%
Min Balance $2,000 Details Balance: $2,000 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Endeavor Plus Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/12/2026 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: 2.10%
Business Endeavor Plus Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Endeavor Plus Checking	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000 to $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Endeavor Plus Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Endeavor Plus Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit - Classic	-	-	7.125%
Details Variable APR; Min $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88% Oct 2, 20267.13%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle 2024-2027	-	-	5.00%	1-60 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loans - New Vehicle 2024-2027	-	-	5.00%	1-60 months
Details As Low As; New Vehicles: 2024 and newer model years with less than 10,000 miles Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2020-2027	-	-	5.25%	1-60 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loans - Used Vehicle 2020-2027	-	-	5.25%	1-60 months
Details As Low As; Used Vehicles: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - New Vehicle 2024-2027	-	-	5.50%	61-72 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loans - New Vehicle 2024-2027	-	-	5.50%	61-72 months
Details As Low As; New Vehicles: 2024 and newer model years with less than 10,000 miles Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2020-2027	-	-	5.75%	61-72 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loans - Used Vehicle 2020-2027	-	-	5.75%	61-72 months
Details As Low As; Used Vehicles: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - New Vehicle 2024-2027	-	-	6.00%	73-84 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2016-2019	-	-	6.00%	1-60 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loans - New Vehicle 2024-2027	-	-	6.00%	73-84 months
Details As Low As; New Vehicles: 2024 and newer model years with less than 10,000 miles Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2020-2027	-	-	6.25%	73-84 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 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: 2.10%
Auto Loans - Used Vehicle 2020-2027	-	-	6.25%	73-84 months
Details As Low As; Used Vehicles: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years 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: 2.10%
Auto Loan - New Vehicle 2024-2027	-	-	6.50%	85-96 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2016-2019	-	-	6.50%	61-72 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loans - New Vehicle 2024-2027	-	-	6.50%	85-96 months
Details As Low As; New Vehicles: 2024 and newer model years with less than 10,000 miles Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2016-2019	-	-	7.00%	73-84 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2015 or older	-	-	8.00%	1-60 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2015 or older	-	-	8.50%	61-72 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Auto Loan - Used Vehicle 2015 or older	-	-	9.00%	73-84 Month
Details As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATVs & Jet Skis with Trailers Loan	-	6.69%	4 to 60 Months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Boat, Motor, and Trailer Loan	-	6.69%	4 to 60 Months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Boat, Motor, & Trailer Loan	-	6.69%
Details As Low As; Maximum Amount Financed: Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.69% ▲ 0.20 pts · high 6.69% / low 6.49% Oct 4, 20266.69%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Motorcycle 4-60 months Loan	-	6.69%	4-60 months
Details As Low As; Fixed APR; Maximum Amount Financed: Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used RV Loan	-	6.69%
Details As Low As; Maximum Amount Financed: Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.69% ▲ 0.20 pts · high 6.69% / low 6.49% Oct 4, 20266.69%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
RV Loan	-	6.69%	4 to 60 Months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Boat, Motor, and Trailer Loan	-	7.19%	61 to 72 Months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Motorcycle 61-72 months Loan	-	7.19%	61-72 months
Details As Low As; Fixed APR; Maximum Amount Financed: Up to 100% of Purchase Price for New or Up to 100% of Book Value for Used Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
RV Loan	-	7.19%	61 to 72 Months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Traditional (variable)	-	10.75%
Details As Low As; Variable APR based on Prime Rate plus a margin; APR for Purchases; Balance Transfer APR: 10.75%; Cash Advance APR: 12.75% Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 4, 202610.75%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Secured Visa	-	15.25%
Details As Low As; APR for Purchases; Balance Transfer APR: 15.25%; Cash Advance APR: 17.25%; Requires non-dividend bearing Secured Visa Deposit Account equal to credit limit Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 15.00% → 15.25% ▲ 0.25 pts · high 15.25% / low 15.00% Oct 4, 202615.25%▲ from 15.00% Sep 14, 202615.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Visa Signature	-	15.75%
Details As Low As; APR for Purchases; Balance Transfer APR: 15.75%; Cash Advance APR: 17.75% Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 15.75% ▲ 0.25 pts · high 15.75% / low 15.50% Oct 4, 202615.75%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Visa Traditional (fixed)	-	18.00%
Details Fixed APR; APR for Purchases; Balance Transfer APR: 18.00%; Cash Advance APR: 18.00% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Unsecured Signature - 60 months Loan	10.99%	60 months
Details As Low As; Fixed APR; Max $50,000 amount financed Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.79% → 10.99% ▲ 0.20 pts · high 10.99% / low 10.79% Oct 4, 202610.99%▲ from 10.79% Sep 14, 202610.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Personal Unsecured Signature - 72 months Loan	11.19%	72 months
Details As Low As; Fixed APR; Max $50,000 amount financed Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.19% ▲ 0.20 pts · high 11.19% / low 10.99% Oct 4, 202611.19%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Visa Signature	15.75%
Details As Low As; APR for Purchases; Balance Transfer APR: 15.75%; Cash Advance APR: 17.75% Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 15.75% ▲ 0.25 pts · high 15.75% / low 15.50% Oct 4, 202615.75%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Personal Stretch Loan	17.00%
Details As Low As; Fixed APR; Min $500 up to Max $1,600; requires pre-authorized repayment through established direct deposit (see Stretch Loan footnote) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

Redstone Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Stretch Loan	-	-	17.00%
Details Fixed APR with repayment through pre-authorized transaction; requires established (minimum 3 months) direct deposit equal to or greater than contracted payment amount; $30 non-refundable application fee; minimum one year membership Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Stretch Loan	-	-	18.00%
Details Fixed APR if repayment is made another way (not pre-authorized transaction); $30 non-refundable application fee; minimum one year membership Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 17.00% → 18.00% ▲ 1.00 pts · high 18.00% / low 17.00% Oct 12, 202618.00%▲ from 17.00% Sep 14, 202617.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

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

Redstone Federal Credit Union’s Texas Ratio stayed near 2.01% in Q3 2023 to 2.10% 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	$8.6B	2.10%	5.0	A+
March 31, 2026	$8.6B	2.05%	5.0	A+
December 31, 2025	$8.4B	2.73%	5.0	A+
September 30, 2025	$8.3B	2.90%	5.0	A+
June 30, 2025	$8.2B	2.75%	5.0	A+
March 31, 2025	$8.2B	3.65%	5.0	A+
December 31, 2024	$7.9B	5.05%	5.0	A+
September 30, 2024	$7.8B	3.18%	5.0	A+
June 30, 2024	$7.7B	2.73%	5.0	A+
March 31, 2024	$7.6B	2.41%	5.0	A+
December 31, 2023	$7.5B	2.80%	5.0	A+
September 30, 2023	$7.4B	2.01%	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 Redstone 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 Redstone 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 Redstone Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Redstone Federal Credit Union

Website https://www.redfcu.org

Address 220 Wynn Dr, Huntsville, AL 35893

Phone 256-837-6110

Fax 256-722-8399

President Dave Hargrove

CEO Joseph Newberry

Full-Time Employees 1,401

Part-Time Employees 20

Branch Locations 46

ATM Locations 63

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

2.10%

Return on Assets (ROA)

0.6881%

Return on Equity (ROE)

4.9636%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

8,590,650,023

Total Amount of Shares and Deposits

7,515,172,474

Total Shares and Deposits < 1 Year

7,284,885,013

Total Shares and Deposits 1 3 Years

107,327,842

Total Shares and Deposits > 3 Years

122,959,619

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

540,777,023

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

540,777,023

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

6,974,395,451

Total Interest Expense (Sum of items 6 8)

43,443,520

Share Certificates

29,720

Number of Accounts for Share Drafts

304,035

IRA KEOGH Accounts

11,196

Number of Accounts for Regular Shares

745,645

All other shares

17,486

Non Member Deposits

Money Market Shares

42,464

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

59,114,523

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)

332,764,534

Total Liabilities

7,590,541,726

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Redstone 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.

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Frequently Asked Questions About Redstone Federal Credit Union

How many branches does Redstone Federal Credit Union operate?

Redstone 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 Redstone Federal Credit Union?

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

Does Redstone Federal Credit Union offer online and mobile banking?

Most modern institutions like Redstone 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.redfcu.org.

Current Redstone Federal Credit Union Rates

12-Month CD2.95%
18-Month CD3.55%
24-Month CD3.65%
60-Month CD3.75%
Savings4.06%
MMA2.53%

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

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Redstone Federal Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

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Financials

Redstone Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Redstone Federal Credit Union

How many branches does Redstone Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Redstone Federal Credit Union offer online and mobile banking?

Current Redstone Federal Credit Union Rates

Compare to Other Credit Unions