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Riegel Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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 and Verified: October 9, 2026

Riegel Federal Credit Union's top rates as of October 9, 2026 are 3.00% APY on its CD Account (6 month), 0.07% APY on savings, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Riegel Federal Credit Union CD rates include CD Account (12 month) at 2.85%, CD Account (18 month) at 2.50%, and CD Account (24 month) at 2.25%. MonitorBankRates evaluates the financial stability of Riegel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.61%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
4.61%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Riegel Federal Credit Union
Riegel Federal Credit Union
515 Milford Warren Glen Rd
Milford, NJ 08848-1881
https://www.riegelfcu.org
Member NCUA
Customer Reviews
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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.

Riegel Federal Credit Union CD Rates

Product Rate APY Term View More
Term Share Account (6 month) 2.97% 3.00% 6 Months
Min Deposit $1,000
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.80% → 3.00% ▲ 0.20 pts · high 3.00% / low 2.80%
2.30%2.90%3.50%Sep 14, 2026: 2.80% APYOct 5, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.00%▲ from 2.80%
  • Sep 14, 20262.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Term Share Account (12 month) 2.82% 2.85% 12 Months
Min Deposit $1,000
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.85% ▲ 0.35 pts · high 2.85% / low 2.50%
2.00%2.68%3.35%Sep 14, 2026: 2.50% APYOct 5, 2026: 2.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20262.85%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Term Share Account (18 month) 2.48% 2.50% 18 Months
Min Deposit $1,000
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 14, 2026: 2.25% APYOct 5, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20262.50%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Term Share Account (24 month) 2.23% 2.25% 24 Months
Min Deposit $1,000
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00%
1.50%2.13%2.75%Sep 14, 2026: 2.00% APYOct 5, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20262.25%▲ from 2.00%
  • Sep 14, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Term Share Account (30 month) 1.99% 2.00% 30 Months
Min Deposit $1,000
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75%
1.25%1.88%2.50%Sep 14, 2026: 1.75% APYOct 5, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20262.00%▲ from 1.75%
  • Sep 14, 20261.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Term Share Account (36 month) 1.84% 1.85% 36 Months
Min Deposit $1,000
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.60% → 1.85% ▲ 0.25 pts · high 1.85% / low 1.60%
1.10%1.73%2.35%Sep 14, 2026: 1.60% APYOct 5, 2026: 1.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20261.85%▲ from 1.60%
  • Sep 14, 20261.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%

Riegel Federal Credit Union Savings Rates

Product Rate APY View More
Youth Savings Account 0.07% 0.07%
Min Deposit $25
Min Balance $40,000
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 6 times
0.00%0.29%0.57%Sep 14, 2026: 0.07% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Regular Share Savings Account 0.05% 0.05%
Min Balance $0
Details Compounded and Paid Quarterly; Variable Rate; Minimum Daily Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 21, 2026: 0.05% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Regular Share Savings Account 0.05% 0.05%
Min Balance $5,000
Details Compounded and Paid Quarterly; Variable Rate; Minimum Daily Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 21, 2026: 0.05% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Regular Share Savings Account 0.05% 0.05%
Min Balance $40,000
Details Compounded and Paid Quarterly; Variable Rate; Minimum Daily Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 21, 2026: 0.05% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Youth Savings Account 0.05% 0.05%
Min Deposit $25
Min Balance $5,000
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Youth Savings Account 0.02% 0.02%
Min Deposit $25
Min Balance $0
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 21, 2026: 0.02% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%

Riegel Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity Loans - 1st Lien - - 4.44% 2 - 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.44% APR · checked 2 times
3.94%4.44%4.94%Oct 5, 2026: 4.44% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 2nd Lien - - 4.64% 2 - 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 5, 2026: 4.64% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 1st Lien - - 5.54% 4 - 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.54% APR · checked 2 times
5.04%5.54%6.04%Oct 5, 2026: 5.54% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 2nd Lien - - 5.84% 4 - 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.84% APR · checked 2 times
5.34%5.84%6.34%Oct 5, 2026: 5.84% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 1st Lien - - 6.34% 6 - 10 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.34% APR · checked 2 times
5.84%6.34%6.84%Oct 5, 2026: 6.34% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 1st Lien - - 6.64% 11 - 15 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.64% APR · checked 2 times
6.14%6.64%7.14%Oct 5, 2026: 6.64% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 2nd Lien - - 6.74% 6 - 10 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 5, 2026: 6.74% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 1st Lien - - 7.04% 16 - 20 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.04% APR · checked 2 times
6.54%7.04%7.54%Oct 5, 2026: 7.04% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Fixed Rate Home Equity Loans - 2nd Lien - - 7.14% 11 - 15 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.14% APR · checked 2 times
6.64%7.14%7.64%Oct 5, 2026: 7.14% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%

Riegel Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle (Car & Motorcycle) Loan - - 4.29% 3 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 8 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Vehicle (Car & Motorcycle) Loan - - 4.49% 4 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Vehicle (Car & Motorcycle) Loan - - 4.59% 5 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 8 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Vehicle (Car & Motorcycle) Loan - - 4.99% 6 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Vehicle (Car & Motorcycle) Loan - - 5.29% 3 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 8 times
4.79%5.29%5.79%Sep 14, 2026: 5.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Vehicle (Car & Motorcycle) Loan - - 5.49% 4 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Vehicle (Car & Motorcycle) Loan - - 5.59% 7 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 8 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Vehicle (Car & Motorcycle) Loan - - 5.59% 5 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.59% APR · checked 8 times
5.09%5.59%6.09%Sep 14, 2026: 5.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Vehicle (Car & Motorcycle) Loan - - 5.99% 6 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Vehicle (Car & Motorcycle) Loan - - 6.29% 8 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.29% APR · checked 8 times
5.79%6.29%6.79%Sep 14, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Vehicle (Car & Motorcycle) Loan - - 6.59% 7 years
Details As Low As; *
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.59% APR · checked 8 times
6.09%6.59%7.09%Sep 14, 2026: 6.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%

Riegel Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Recreational Vehicle Loan - 6.29% 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.29% APR · checked 8 times
5.79%6.29%6.79%Sep 14, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Recreational Vehicle Loan - 6.49% 4 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Recreational Vehicle Loan - 6.59% 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.59% APR · checked 8 times
6.09%6.59%7.09%Sep 14, 2026: 6.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Recreational Vehicle Loan - 6.99% 6 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Recreational Vehicle Loan - 7.29% 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 8 times
6.79%7.29%7.79%Sep 14, 2026: 7.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Recreational Vehicle Loan - 7.49% 4 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 8 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Recreational Vehicle Loan - 7.59% 7 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 8 times
7.09%7.59%8.09%Sep 14, 2026: 7.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Recreational Vehicle Loan - 7.59% 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 8 times
7.09%7.59%8.09%Sep 14, 2026: 7.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Recreational Vehicle Loan - 7.99% 6 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New PowerSports Loan - 8.29% 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.29% APR · checked 8 times
7.79%8.29%8.79%Sep 14, 2026: 8.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New Recreational Vehicle Loan - 8.29% 8 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.29% APR · checked 8 times
7.79%8.29%8.79%Sep 14, 2026: 8.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New PowerSports Loan - 8.49% 4 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 8 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New PowerSports Loan - 8.59% 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.59% APR · checked 8 times
8.09%8.59%9.09%Sep 14, 2026: 8.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used Recreational Vehicle Loan - 8.59% 7 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.59% APR · checked 8 times
8.09%8.59%9.09%Sep 14, 2026: 8.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New PowerSports Loan - 8.99% 6 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 8 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used PowerSports Loan - 9.29% 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.29% APR · checked 8 times
8.79%9.29%9.79%Sep 14, 2026: 9.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used PowerSports Loan - 9.49% 4 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New PowerSports Loan - 9.59% 7 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.59% APR · checked 8 times
9.09%9.59%10.09%Sep 14, 2026: 9.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used PowerSports Loan - 9.59% 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.59% APR · checked 8 times
9.09%9.59%10.09%Sep 14, 2026: 9.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used PowerSports Loan - 9.99% 6 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
New PowerSports Loan - 10.29% 8 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.29% APR · checked 8 times
9.79%10.29%10.79%Sep 14, 2026: 10.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Used PowerSports Loan - 10.59% 7 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.59% APR · checked 8 times
10.09%10.59%11.09%Sep 14, 2026: 10.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%

Riegel Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Personal Loan 9.99% 3 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Sep 18, 2026: 9.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Signature Personal Loan 10.49% 4 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 2 times
9.99%10.49%10.99%Sep 18, 2026: 10.49% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
Signature Personal Loan 10.74% 5 years
Details As low as*
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 10.74% APR · checked 2 times
10.24%10.74%11.24%Sep 18, 2026: 10.74% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.61%
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.
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Financial Health History

Riegel Federal Credit Union’s Texas Ratio stayed near 4.73% in Q3 2023 to 4.61% 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.73% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.61% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$168M4.61%5.0A+
March 31, 2026$169M3.95%5.0A+
December 31, 2025$166M4.44%5.0A+
September 30, 2025$165M5.44%5.0A+
June 30, 2025$165M5.88%5.0A+
March 31, 2025$165M2.60%5.0A+
December 31, 2024$166M6.85%5.0A
September 30, 2024$165M6.43%5.0A
June 30, 2024$167M5.42%5.0A+
March 31, 2024$169M4.24%5.0A+
December 31, 2023$169M2.89%5.0A+
September 30, 2023$165M4.73%5.0A+
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 Riegel 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 Riegel 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 Riegel Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Riegel Federal Credit Union
Website https://www.riegelfcu.org
Address 515 Milford Warren Glen Rd, Milford, NJ 08848-1881
Phone 908-995-2326
Fax 908-995-2508
President David Szwec
CEO Scott Husted
Full-Time Employees 26
Part-Time Employees 6
Branch Locations 4
ATM Locations 4
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.61%
Return on Assets (ROA)
0.2013%
Return on Equity (ROE)
1.9438%
Non-Performing Loans Ratio (NPL)
1.77%
Total Assets
167,716,319
Total Amount of Shares and Deposits
149,364,282
Total Shares and Deposits < 1 Year
149,148,554
Total Shares and Deposits 1 3 Years
215,728
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,497,178
Total Uninsured Shares and Deposits > $250K (F+J)
7,497,178
Total Insured Shares and Deposits > $250K (item 17 less item K)
141,867,104
Total Interest Expense (Sum of items 6 8)
312,103
Share Certificates
551
Number of Accounts for Share Drafts
4,670
IRA KEOGH Accounts
300
Number of Accounts for Regular Shares
8,276
All other shares
75
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)
15,388,672
Total Liabilities
150,345,537
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Riegel 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/riegel-federal-credit-union-rates-review-13944">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Riegel Federal Credit Union

How many branches does Riegel Federal Credit Union operate?

Riegel 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 Riegel Federal Credit Union?

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

Does Riegel Federal Credit Union offer online and mobile banking?

Most modern institutions like Riegel 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.riegelfcu.org.

Current Riegel Federal Credit Union Rates

  • 12-Month CD2.85%
  • 18-Month CD2.50%
  • 24-Month CD2.25%
  • Savings0.07%
Retrieved from our database of financial products. Rates subject to change.

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