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Rio Grande Credit Union

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Rio Grande Credit Union Rates & Review November 2026

Q: What are the current interest rates at Rio Grande Credit Union?

Current rates for Rio Grande Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 4.54%, 24-Month CD: 3.51%, 60-Month CD: 3.35%, Savings: 3.04%

Q: What CD terms does Rio Grande Credit Union offer?

Rio Grande Credit Union CD rates are 4.33% APY for a 7 month CD, 3.45% APY for a 12 month CD, 4.44% APY for a 13 month CD, 4.54% APY for an 18 month CD, 3.51% APY for a 2 year CD, 4.65% APY for a 25 month CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Rio Grande Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Rio Grande Credit Union's 25 Month CD rates are at 4.65%, 18 Month CD rates are at 4.54%, 13 Month CD rates are at 4.44%, 7 Month CD rates are at 4.33%, 24 Month CD rates are at 3.51%. Rio Grande Credit Union's savings rates are at 3.04%. Rio Grande Credit Union's checking rates are as high as 0.50%. Rio Grande Credit Union's Personal Loan Rates are as low as 9.99%. Rio Grande Credit Union's Credit Card Rates are at 14.24%. Rio Grande Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Rio Grande Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.38%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.38%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Rio Grande Credit Union
Emerald

1121 4th St NW
Albuquerque, NM 87102-1478

https://riograndecu.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.

Rio Grande Credit Union CD Rates

Product	Rate	APY	Term
25 Month Share Certificate	4.55%	4.65%	25 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.13% → 4.65% ▲ 0.52 pts · high 4.65% / low 4.13% Sep 29, 20264.65%▲ from 4.13% Sep 18, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 25 month	4.55%	4.65%	25 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.13% → 4.65% ▲ 0.52 pts · high 4.65% / low 4.13% Sep 29, 20264.65%▲ from 4.13% Sep 14, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
18 Month Share Certificate	4.45%	4.54%	18 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02% Sep 29, 20264.54%▲ from 4.02% Sep 18, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 18 month	4.45%	4.54%	18 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02% Sep 29, 20264.54%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
13 Month Share Certificate	4.35%	4.44%	13 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 4.44% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 13 month	4.35%	4.44%	13 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 4.44% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
7 Month Share Certificate	4.25%	4.33%	7 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 4.33% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 7 month	4.25%	4.33%	7 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 4.33% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
24 Month Share Certificate	3.45%	3.51%	24 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 24 month	3.45%	3.51%	24 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
12 Month Share Certificate	3.40%	3.45%	12 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 12 month	3.40%	3.45%	12 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
36 Month Share Certificate	3.35%	3.40%	36 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
6 Month Share Certificate	3.35%	3.40%	6 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 36 month	3.35%	3.40%	36 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 6 month	3.35%	3.40%	6 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
48 Month Share Certificate	3.30%	3.35%	48 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
60 Month Share Certificate	3.30%	3.35%	60 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 48 month	3.30%	3.35%	48 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 60 month	3.30%	3.35%	60 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
3 Month Share Certificate	3.25%	3.30%	3 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
IRA Share Certificate - 3 month	3.25%	3.30%	3 Months
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union Savings Rates

Product	Rate	APY
CU Succeed Savings	3.00%	3.04%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 - $499.99; Account requires $5.00 minimum opening balance. Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Youth Savings Account	3.00%	3.04%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 - $499.99; Kirby Kangaroo Savings Account Rates; Account requires $5.00 minimum opening balance; Balance refers to Daily Average Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Investors Club Account	1.52%	1.53%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 & More; Effective Date: Thursday, October 29th, 2026; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.53% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Investors Club Account	1.50%	1.51%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Effective Date: Thursday, October 29th, 2026; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Investors Club Account	1.50%	1.51%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Effective Date: Thursday, October 29th, 2026; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Christmas Club	1.00%	1.00%
Min Deposit $5 Min Balance $25 Details Effective Date: Thursday, October 29th, 2026; Balance refers to Daily Average Balance; Minimum Balance to Earn Dividends: $25.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Rainy Day Club	1.00%	1.00%
Min Deposit $5 Min Balance $25 Details Effective Date: Thursday, October 29th, 2026; Minimum Balance to Earn Dividends: $25.00; Balance refers to Daily Average Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Vacation Club	1.00%	1.00%
Min Deposit $5 Min Balance $25 Details Club Account; Minimum Balance to Earn Dividends: $25.00; Balance refers to Daily Average Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Roth IRA Savings	0.60%	0.60%
Min Deposit $0 Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Traditional IRA Savings	0.60%	0.60%
Min Deposit $0 Min Balance $25 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
CU Succeed Savings	0.50%	0.50%
Min Deposit $5 Min Balance $500 Details Balance: $500.00 and Greater; Account requires $5.00 minimum opening balance. Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Prosperity Kids Savings	0.50%	0.50%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 and Greater; Account requires $5.00 minimum opening balance; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Youth Savings Account	0.50%	0.50%
Min Deposit $5 Min Balance $500 Details Balance: $500.00 and Greater; Kirby Kangaroo Savings Account Rates; Account requires $5.00 minimum opening balance; Balance refers to Daily Average Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Investors Club Account	0.25%	0.25%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Effective Date: Thursday, October 29th, 2026; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Primary Savings	0.15%	0.15%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 and Above Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Secondary Savings	0.15%	0.15%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 and Above; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 - $999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Secondary Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 - $999.99; Balance refers to Daily Average Balance; Dividends compounded monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
CU Succeed Savings	0.00%	0.00%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $24.99; Account requires $5.00 minimum opening balance. Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Youth Savings Account	0.00%	0.00%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $24.99; Kirby Kangaroo Savings Account Rates; Account requires $5.00 minimum opening balance; Balance refers to Daily Average Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union Checking Rates

Product	Rate	APY
Zia Checking	-	0.50%
Min Balance $500 Details Balance: $500 - $999.99; Balance refers to Daily Average Balance; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Zia Checking	-	0.50%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Balance refers to Daily Average Balance; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Zia Checking	-	0.50%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Balance refers to Daily Average Balance; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Zia Checking	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Balance refers to Daily Average Balance; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Zia Checking	-	0.50%
Min Balance $50,000 Details Balance: $50,000.00 and Above; Balance refers to Daily Average Balance; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
CU Succeed Checking	0.20%	0.20%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 and Greater; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
CU Succeed Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $24.99; Effective Date: Thursday, October 29th, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.75%	120 Months
Details As Low As; Approx Monthly Payment ($20,000 Loan): $229.65; Closed end fixed rate loan; APR quoted for loan amounts 80% LTV and loan accounts up to $149,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Home Equity Loans	-	-	7.00%	180 Months
Details As Low As; Approx Monthly Payment ($20,000 Loan): $179.77; Closed end fixed rate loan; APR quoted for loan amounts 80% LTV and loan accounts up to $149,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Home Equity Lines of Credit	-	-	7.50%	240 Months
Details As Low As; Variable APR based on Prime index plus margin, subject to increase; maximum rate 18.00% APR; $250 loan origination fee; interest-only payments available through first 10 years Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 9, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Home Equity Loans	-	-	7.75%	240 Months
Details As Low As; Approx Monthly Payment ($20,000 Loan): $164.19; Closed end fixed rate loan; APR quoted for loan amounts 80% LTV and loan accounts up to $149,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - 36 Months	-	-	4.95%	36 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; Vehicle Loans; Approx Monthly Payment ($20,000 Loan) $598.97 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Vehicle Loans - 48 Months	-	-	5.65%	48 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; Vehicle Loans; Approx Monthly Payment ($20,000 Loan) $466.50 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Vehicle Loans - 65 Months	-	-	5.75%	65 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; Vehicle Loans; Approx Monthly Payment ($20,000 Loan) $358.82 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Vehicle Loans - 75 Months	-	-	5.85%	75 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; Vehicle Loans; Approx Monthly Payment ($20,000 Loan) $319.02 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Vehicle Loans - 84 Months	-	-	6.05%	84 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; Vehicle Loans; Approx Monthly Payment ($20,000 Loan) $295.65 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.05% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - 36 Months	-	8.52%	36 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; APR effective for current and past six model years; Approx Monthly Payment ($20,000 Loan) $473.65 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.52% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Motorcycle Loan - 48 Months	-	8.77%	48 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; APR effective for current and past six model years; Approx Monthly Payment ($20,000 Loan) $371.60 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.77% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Motorcycle Loan - 60 Months	-	9.02%	60 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; APR effective for current and past six model years; Approx Monthly Payment ($20,000 Loan) $311.52 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.02% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Motorcycle Loan - 72 Months	-	9.27%	72 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; APR effective for current and past six model years; Approx Monthly Payment ($20,000 Loan) $270.38 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.27% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	9.53%	48 Months
Details As Low As; Loan Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.53% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Motorcycle Loan - 84 Months	-	9.77%	84 Months
Details As Low As; Effective Date: Thursday, October 29th, 2026; APR effective for current and past six model years; 73-84 month financing available on vehicles over $20,000; Approx Monthly Payment ($20,000 Loan) $247.24 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.77% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	10.03%	60 Months
Details As Low As; Loan Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.03% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	10.43%	72 Months
Details As Low As; Loan Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.43% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	10.63%	84 Months
Details As Low As; Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	11.53%	96 Months
Details As Low As; Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.53% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	12.03%	120 Months
Details As Low As; Loan Amount: $75,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.03% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	12.53%	144 Months
Details As Low As; Loan Amount: $75,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.53% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
RV and Boat Loans	-	12.63%	180 Months
Details As Low As; Loan Amount: $75,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Rewards	-	14.24%
Details APR range: 14.24% APR - 17.99% APR; This APR will vary with the market based on the Prime Rate; Earn rewards on purchases; No annual fee, no balance transfer fee, no cash advance fee Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.24% → 14.24% ▲ 2.00 pts · high 14.24% / low 12.24% Oct 19, 202614.24%▲ from 12.24% Sep 14, 202612.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

Rio Grande Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	9.99%	12 Months
Details As Low As; assumes excellent credit history Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Signature Loans	9.99%	24 Months
Details As Low As; assumes excellent credit history Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Signature Loans	10.75%	36 Months
Details As Low As; assumes excellent credit history Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Signature Loans	11.50%	48 Months
Details As Low As; assumes excellent credit history Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%
Signature Loans	12.50%	60 Months
Details As Low As; assumes excellent credit history Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.38%

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

Rio Grande Credit Union’s Texas Ratio stayed near 5.01% in Q3 2023 to 5.38% in Q2 2026, so its financial health has held steady at a healthy level 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.

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)

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	$666M	5.38%	5.0	A+
March 31, 2026	$666M	5.22%	5.0	A+
December 31, 2025	$653M	7.83%	5.0	A
September 30, 2025	$660M	9.53%	5.0	A
June 30, 2025	$663M	8.83%	5.0	A
March 31, 2025	$677M	8.68%	5.0	A
December 31, 2024	$677M	8.79%	5.0	A
September 30, 2024	$663M	9.20%	5.0	A
June 30, 2024	$634M	6.58%	5.0	A
March 31, 2024	$625M	6.65%	5.0	A
December 31, 2023	$612M	6.09%	5.0	A
September 30, 2023	$621M	5.01%	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 Rio Grande 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 Rio Grande 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 Rio Grande Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rio Grande Credit Union

Website https://riograndecu.org

Address 1121 4th St NW, Albuquerque, NM 87102-1478

Phone 505-262-1401

Fax

President Mark Sanchez

CEO Tony Dees

Full-Time Employees 163

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.38%

Return on Assets (ROA)

0.2418%

Return on Equity (ROE)

2.6689%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

665,954,899

Total Amount of Shares and Deposits

605,988,333

Total Shares and Deposits < 1 Year

561,084,490

Total Shares and Deposits 1 3 Years

41,844,479

Total Shares and Deposits > 3 Years

3,059,364

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

30,588,931

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

30,588,931

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

575,399,402

Total Interest Expense (Sum of items 6 8)

6,327,773

Share Certificates

4,608

Number of Accounts for Share Drafts

35,526

IRA KEOGH Accounts

1,127

Number of Accounts for Regular Shares

54,765

All other shares

2,871

Non Member Deposits

Money Market Shares

2,981

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

1,609,954

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)

89,493,313

Total Liabilities

614,400,761

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Rio Grande Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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.

Customer Reviews

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Frequently Asked Questions About Rio Grande Credit Union

Does Rio Grande Credit Union offer CDs?

Yes. Rio Grande Credit Union current CD rates include its 25 Month CD at 4.65% APY, its 18 Month CD at 4.54% APY and its 13 Month CD at 4.44% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Rio Grande Credit Union NCUA insured?

Yes. Rio Grande Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Rio Grande Credit Union?

The highest Rio Grande Credit Union CD rate is its 25 Month CD at 4.65% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Rio Grande Credit Union offer?

Rio Grande Credit Union CD rates are 4.33% APY for a 7 month CD, 3.45% APY for a 12 month CD, 4.44% APY for a 13 month CD, 4.54% APY for an 18 month CD, 3.51% APY for a 2 year CD, 4.65% APY for a 25 month CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Rio Grande Credit Union for its full lineup.

What is the highest savings rate at Rio Grande Credit Union?

The highest Rio Grande Credit Union savings rate is its CU Succeed Savings at 3.04% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Rio Grande Credit Union?

The highest Rio Grande Credit Union checking rate is its Zia Checking at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Rio Grande Credit Union?

The lowest Rio Grande Credit Union auto loan rate is its Vehicle Loans - 36 Months at 4.95% APR, verified by MonitorBankRates as of October 29, 2026. Rio Grande Credit Union auto loan rates are 4.95% APR for a 36 month auto loan, 5.65% APR for a 48 month auto loan, 5.75% APR for a 65 month auto loan, 5.85% APR for a 75 month auto loan and 6.05% APR for an 84 month auto loan.

What is the lowest personal loan rate at Rio Grande Credit Union?

The lowest Rio Grande Credit Union personal loan rate is its Signature Loans at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Rio Grande Credit Union?

The lowest Rio Grande Credit Union credit card APR is its Visa Platinum Rewards Credit Card at 14.24% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Rio Grande Credit Union operate?

Rio Grande 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 Rio Grande Credit Union?

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

Does Rio Grande Credit Union offer online and mobile banking?

Most modern institutions like Rio Grande 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://riograndecu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Rio Grande Credit Union rates compare?

Rio Grande Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. Rio Grande Credit Union's top rates are its 25 Month CD at 4.65% APY, its CU Succeed Savings at 3.04% APY, its Zia Checking at 0.50% APY, its Signature Loans at 9.99% APR and its Visa Platinum Rewards Credit Card at 14.24% APR, verified by MonitorBankRates on October 29, 2026.

Current Rio Grande Credit Union Rates

12-Month CD3.45%
18-Month CD4.54%
24-Month CD3.51%
60-Month CD3.35%
Savings3.04%

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

Compare to Other Credit Unions

Rio Grande Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Rio Grande Credit Union Texas Ratio

Rio Grande Credit Union Health Trend

Rio Grande Credit Union CD Rates

Rio Grande Credit Union Savings Rates

Rio Grande Credit Union Checking Rates

Rio Grande Credit Union Home Equity & HELOC

Rio Grande Credit Union Auto Loan Rates

Rio Grande Credit Union RV, Boat and Powersport Loan Rates

Rio Grande Credit Union Credit Card Rates

Rio Grande Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Rio Grande Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Rio Grande Credit Union

Does Rio Grande Credit Union offer CDs?

Are CDs from Rio Grande Credit Union NCUA insured?

What is the highest CD rate at Rio Grande Credit Union?

What CD terms does Rio Grande Credit Union offer?

What is the highest savings rate at Rio Grande Credit Union?

What is the highest checking rate at Rio Grande Credit Union?

What is the lowest auto loan rate at Rio Grande Credit Union?

What is the lowest personal loan rate at Rio Grande Credit Union?

What is the lowest credit card APR at Rio Grande Credit Union?

How many branches does Rio Grande Credit Union operate?

Is a member application needed to join Rio Grande Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Rio Grande Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Rio Grande Credit Union rates compare?

Current Rio Grande Credit Union Rates

Compare to Other Credit Unions