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Rural Cooperatives Credit Union

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Rural Cooperatives Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rural Cooperatives 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: September 23, 2026

Rural Cooperatives Credit Union's 15 Year Fixed - Conforming rates are at 6.50%, VA 30 Year Fixed - Conforming rates are at 6.62%, FHA 30-Year Fixed - Conforming rates are at 6.38%, 20 Year Fixed - Conforming rates are at 6.88%, 30 Year Fixed - Conforming rates are at 7.00%. MonitorBankRates evaluates the financial stability of Rural Cooperatives Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.60%. Rates last updated and verified on 09/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.60%

Excellent Lower than avg

Health Trend

Very strong 11 quarters

Full history ›

Rural Cooperatives Credit Union
Louisville Office

1630 Lyndon Farm Ct Ste 201
Louisville, KY 40223

https://rccu.com

Rural Cooperatives Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed - Conforming	6.50%	0	6.77%	180 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Conforming Rates: Available on loan amounts up to $832,750 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $300,000 and an estimated property value of $600,000. Loan amounts between $832,750 and $1,249,125 (subject to county loan limits) are considered Conforming High-Balance Loans and are subject to additional rate adjustments. Please contact a loan officer for a rate quote on a Conforming High-Balance loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
VA 30 Year Fixed - Conforming	6.63%	0	6.79%	360 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
FHA 30-Year Fixed - Conforming	6.38%	0	7.08%	360 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
20 Year Fixed - Conforming	6.88%	0	7.09%	240 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Conforming Rates: Available on loan amounts up to $832,750 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $300,000 and an estimated property value of $600,000. Loan amounts between $832,750 and $1,249,125 (subject to county loan limits) are considered Conforming High-Balance Loans and are subject to additional rate adjustments. Please contact a loan officer for a rate quote on a Conforming High-Balance loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
30 Year Fixed - Conforming	7.00%	0	7.17%	360 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Conforming Rates: Available on loan amounts up to $832,750 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $300,000 and an estimated property value of $600,000. Loan amounts between $832,750 and $1,249,125 (subject to county loan limits) are considered Conforming High-Balance Loans and are subject to additional rate adjustments. Please contact a loan officer for a rate quote on a Conforming High-Balance loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
30 Year Fixed - Home Ready	7.00%	0	7.17%	360 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Jumbo 30 Year Fixed	7.13%	0	7.23%	360 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Jumbo Rates: Available on loan amounts over $1,249,125 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $1,500,000 and an estimated property value of $3,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%
Jumbo 15 Year Fixed	7.50%	0	7.66%	180 months
Details Monthly payments are for Principal and Interest only (no escrows) on a loan amount of $300,000 and an estimated property value of $600,000. Rates provided assume the purpose of the loan is to purchase an existing single-family home to be used as a primary residence and a credit score of 740. An escrow (impound) account is required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums. Escrow waivers may be available in some cases and additional fees will apply. Jumbo Rates: Available on loan amounts over $1,249,125 (subject to county loan limits). Quoted rates assume the factors listed above a loan amount of $1,500,000 and an estimated property value of $3,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.60%

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

Rural Cooperatives Credit Union’s Texas Ratio fell from 1.12% in Q2 2023 to 0.60% in Q4 2025, so its financial health has stayed very strong over the past 11 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
December 31, 2025	$34M	0.60%	5.0	A+
September 30, 2025	$34M	1.42%	5.0	A+
June 30, 2025	$34M	0.99%	5.0	A+
March 31, 2025	$35M	0.87%	5.0	A+
December 31, 2024	$34M	1.10%	5.0	A+
September 30, 2024	$34M	0.48%	5.0	A+
June 30, 2024	$35M	0.80%	5.0	A+
March 31, 2024	$35M	1.28%	5.0	A+
December 31, 2023	$35M	1.15%	5.0	A+
September 30, 2023	$36M	1.02%	5.0	A+
June 30, 2023	$38M	1.12%	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 Rural Cooperatives 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 Rural Cooperatives 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 Rural Cooperatives Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rural Cooperatives Credit Union

Website https://rccu.com

Address 1630 Lyndon Farm Ct Ste 201, Louisville, KY 40223

Phone 800-798-7228

Fax 502-456-4336

President Jennie Phelps

CEO Larry Bischoff

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.60%

Return on Assets (ROA)

-1.0785%

Return on Equity (ROE)

-9.0042%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

33,703,033

Total Amount of Shares and Deposits

29,185,850

Total Shares and Deposits < 1 Year

26,863,043

Total Shares and Deposits 1 3 Years

1,925,530

Total Shares and Deposits > 3 Years

397,278

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

1,078,063

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

1,078,063

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

28,107,787

Total Interest Expense (Sum of items 6 8)

180,034

Share Certificates

247

Number of Accounts for Share Drafts

1,476

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,439

Money Market Shares

136

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)

4,137,563

Total Liabilities

29,666,082

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Rural Cooperatives Credit Union

How many branches does Rural Cooperatives Credit Union operate?

Rural Cooperatives 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 Rural Cooperatives Credit Union?

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

Does Rural Cooperatives Credit Union offer online and mobile banking?

Most modern institutions like Rural Cooperatives 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://rccu.com.