What are the current interest rates at 1166 Federal Credit Union?

Current rates for 1166 Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 0.15%, 24-Month CD: 0.15%, MMA: 3.00%

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1166 Federal Credit Union

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1166 Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join 1166 Federal Credit Union?

Yes, to access services at 1166 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, 1166 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

1166 Federal Credit Union's top rates as of October 12, 2026 are 2.25% APY on its CDs of Deposit - 36 month CD, 3.00% APY on money market accounts, and personal loans from 11.05% APR, according to rates verified by MonitorBankRates. Other 1166 Federal Credit Union CD rates include Time Deposit Account - 36 month at 2.25%, CDs of Deposit - 12 month at 2.00%, and Time Deposit Account - 12 month at 2.00%. MonitorBankRates evaluates the financial stability of 1166 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates last updated and verified on 10/12/2026.

1166 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 1166 Federal Credit Union? Share your experience about 1166 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 1166 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

1.54%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

1166 Federal Credit Union
1166 FCU

95 Woodstown Rd
Swedesboro, NJ 08085

https://www.1166fcu.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.

1166 Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificates of Deposit - 36 month	-	2.25%	36 Months
No additional details. Last Updated 10/12/2026 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: 1.54%
Time Deposit Account - 36 month	-	2.25%	36 months
Min Deposit $250 Last Updated 10/12/2026 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: 1.54%
Certificates of Deposit - 12 month	-	2.00%	12 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Time Deposit Account - 12 month	-	2.00%	12 months
Min Deposit $250 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificate of Deposit - 30 month	-	0.20%	30 months
Min Deposit $250 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificates of Deposit - 30 month	-	0.20%	30 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificate of Deposit - 18 month	-	0.15%	18 months
Min Deposit $250 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificate of Deposit - 24 month	-	0.15%	24 months
Min Deposit $250 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificates of Deposit - 18 month	-	0.15%	18 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificates of Deposit - 24 month	-	0.15%	24 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1166 Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club	-	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1166 Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	-	3.00%
Min Deposit $2,500 Details Balance: $2500 Minimum Deposit; Only available for new money, or funds not on deposit with 1166 FCU in the last 30 days Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market	-	0.55%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market	-	0.45%
Min Balance $20,000 Details Balance: $20,000-$49,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market	-	0.35%
Min Deposit $5,000 Details Balance: $5000 Minimum Deposit Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1166 Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - 5 Years	-	-	4.99%	5 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Loans - 7 Years	-	-	5.49%	7 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Loans - 10 Years	-	-	5.74%	10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity Loans - 15 Years	-	-	5.99%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Home Equity HELOC @ Prime 15 Yr/5 Yr Draw	-	-	7.00%
Details Rates subject to adjustment annually or at the time that additional withdrawals are taken. Based on the prime rate Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 25, 20267.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1166 Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans: New and Used - 36 Months	-	-	4.24%	36 months
Details New and Used Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Auto Loans: New and Used - 60 Months	-	-	4.49%	60 months
Details New and Used Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Auto Loans: New and Used - 72 Months	-	-	4.74%	72 months
Details New and Used Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Auto Loans: New Only - 84 Months	-	-	6.24%	84 months
Details New purchased, refinanced or lease buyout only Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Classic Cars (1995 & older) Loan	-	-	6.74%
Details Classic cars 1995 & older Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1166 Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans Personal	11.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1166 Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Collateralized Loans	-	-	7.00%
Details Backed by property, other than Real Estate 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: 1.54%
Loan Specials	-	-	11.05%
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Luxury Loan	-	-	8.50%
Details Boats, Motor Homes, Other 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: 1.54%
Short Term Small Amount Loan	-	-	14.99%
Details Variable Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 14.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificate of Deposit - Daily	-	-	0.01%
Min Deposit $250 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
IRA Certificates of Deposit - Daily	-	-	0.01%
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Money Market Account	-	-	0.45%
Min Balance $20,000 Details Balance: $20,000-$49,000; 3 free withdrawals per month Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Regular Shares	-	-	0.05%
Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Special Amount	-	-	0.05%
Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

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

1166 Federal Credit Union’s Texas Ratio stayed near 1.40% in Q3 2023 to 1.54% 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	$17M	1.54%	5.0	A+
March 31, 2026	$19M	1.35%	5.0	A+
December 31, 2025	$18M	2.13%	5.0	A+
September 30, 2025	$18M	1.29%	5.0	A+
June 30, 2025	$18M	1.56%	5.0	A+
March 31, 2025	$19M	1.31%	5.0	A+
December 31, 2024	$20M	1.70%	5.0	A+
September 30, 2024	$20M	2.19%	5.0	A+
June 30, 2024	$20M	0.80%	5.0	A+
March 31, 2024	$21M	1.08%	5.0	A+
December 31, 2023	$20M	2.61%	5.0	A+
September 30, 2023	$20M	1.40%	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 1166 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 1166 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 1166 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1166 Federal Credit Union

Website https://www.1166fcu.org

Address 95 Woodstown Rd, Swedesboro, NJ 08085

Phone 856-542-9241

Fax 856-542-9235

President Michael Shawaryn

CEO Michael DiPlacido

Full-Time Employees 3

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

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

1.54%

Return on Assets (ROA)

0.1487%

Return on Equity (ROE)

1.6290%

Non-Performing Loans Ratio (NPL)

0.27%

Total Assets

17,228,751

Total Amount of Shares and Deposits

15,748,079

Total Shares and Deposits < 1 Year

15,748,079

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

719,790

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

719,790

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

15,028,289

Total Interest Expense (Sum of items 6 8)

49,797

Share Certificates

Number of Accounts for Share Drafts

880

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,320

All other shares

Money Market Shares

109

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

25,690

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)

861,158

Total Liabilities

15,775,467

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

1166 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About 1166 Federal Credit Union

How many branches does 1166 Federal Credit Union operate?

1166 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 1166 Federal Credit Union?

Yes, to access services at 1166 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, 1166 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, 1166 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1166 Federal Credit Union offer online and mobile banking?

Most modern institutions like 1166 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.1166fcu.org.