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Saint Lawrence Credit Union

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Saint Lawrence Credit Union Rates & Review November 2026

Q: What are the current interest rates at Saint Lawrence Credit Union?

Current rates for Saint Lawrence Credit Union include: 12-Month CD: 0.85%, 24-Month CD: 0.95%, 60-Month CD: 1.71%, MMA: 0.70%

Q: What CD terms does Saint Lawrence Credit Union offer?

Saint Lawrence Credit Union CD rates are 1.11% APY for a 12 month CD, 1.21% APY for a 2 year CD, 1.71% APY for a 3 year CD, 1.82% APY for a 4 year CD and 2.02% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Saint Lawrence Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Saint Lawrence Credit Union's CD - 60 Month rates are at 2.02%, CD - 48 Month rates are at 1.82%, CD - 36 Month rates are at 1.71%, CD - 24 Month rates are at 1.21%, CD - 12 Month rates are at 1.11%. Saint Lawrence Credit Union's money market rates are at 0.70%. Saint Lawrence Credit Union's checking rates are as high as 0.90%. Saint Lawrence Credit Union's 1/1 Year ARM rates are at 4.75%, 3/1 Year ARM rates are at 5.00%, 5/1 Year ARM rates are at 5.25%, 7/1 Year ARM rates are at 5.50%, 10/1 Year ARM rates are at 5.75%. Saint Lawrence Credit Union's Personal Loan Rates are as low as 9.75%. Saint Lawrence Credit Union's CD rates are 49% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Saint Lawrence Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 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

3.23%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Saint Lawrence Credit Union
Commerce Park Drive

800 Commerce Park Dr
Ogdensburg, NY 13669-2208

http://www.stlawrfcu.com

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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.

Saint Lawrence Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 13 Month SPECIAL	3.50%	3.56%	13 Month
Min Deposit $1,000 Details Minimum deposit $1,000 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 9 Month SPECIAL	3.25%	3.30%	9 Month
Min Deposit $1,000 Details Minimum deposit $1,000 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Traditional & Roth IRA 24 Month	2.50%	2.53%	24 Month
Details Dividend rates current as of February 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 60 Month	2.00%	2.02%	60 Month
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Traditional & Roth IRA 12 Month	2.00%	2.02%	12 Month
Details Dividend rates current as of February 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 60 Month	1.90%	1.92%	60 Month
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 48 Month	1.80%	1.82%	48 Month
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 60 Month	1.80%	1.82%	60 Month
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 36 Month	1.70%	1.71%	36 Month
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 48 Month	1.70%	1.71%	48 Month
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 60 Month	1.70%	1.71%	60 Month
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 36 Month	1.60%	1.61%	36 Month
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 48 Month	1.60%	1.61%	48 Month
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 36 Month	1.50%	1.51%	36 Month
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 48 Month	1.50%	1.51%	48 Month
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 36 Month	1.40%	1.41%	36 Month
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 24 Month	1.20%	1.21%	24 Month
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.21% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 12 Month	1.10%	1.11%	12 Month
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 24 Month	1.10%	1.11%	24 Month
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 12 Month	1.00%	1.00%	12 Month
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 24 Month	1.00%	1.00%	24 Month
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 6 Month	1.00%	1.00%	6 Month
Min Balance $200,000 Details Balance: $200,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 24 Month	0.95%	0.95%	24 Month
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 12 Month	0.90%	0.90%	12 Month
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 6 Month	0.90%	0.90%	6 Month
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 12 Month	0.85%	0.85%	12 Month
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 6 Month	0.80%	0.80%	6 Month
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Share Certificate - 6 Month	0.75%	0.75%	6 Month
Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Savings Rates

Product	Rate	APY
Junior Saver	2.00%	2.02%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Premier Share	0.60%	0.60%
Details Up to $50,000.00 balance Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Traditional & Roth IRA Share	0.45%	0.45%
Details Dividend rates current as of February 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Christmas Club	0.25%	0.25%
Details Maturity date 10/31; Upon maturity money will transfer to the Primary Share Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Junior Saver	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Vacation Club	0.25%	0.25%
Details Maturity date 3/31; Upon maturity money will transfer to the Primary Share Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Shares	0.10%	0.10%
Details Primary, Secondary Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.70%	0.70%
Min Balance $200,000 Details Balance: $200,000.00 and over Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Money Market	0.60%	0.60%
Min Balance $75,000 Details Balance: $75,000.00 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Money Market	0.42%	0.42%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Money Market	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Checking Rates

Product	Rate	APY
Broker Buster Share Draft	0.90%	0.90%
Min Balance $100,000 Details Balance: $100,000.00 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Broker Buster Share Draft	0.00%	0.00%
Min Balance $0 Details Balance: 0-$99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Business Checking Rates

Product	Rate	APY
Business Rewards Share Draft (Interest Bearing)	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Business Rewards Share Draft (Interest Bearing)	0.25%	0.25%
Min Balance $0 Details Balance: 0-$49,999 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1/1 Year ARM	4.75%	0.00	4.75%	1 Year
Details Index: WSP + 0% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
3/1 Year ARM	5.00%	0.00	5.00%	3 Years
Details Index: WSP + 0% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
5/1 Year ARM	5.25%	0.00	5.25%	5 Years
Details Index: WSP + 0% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
7/1 Year ARM	5.50%	0.00	5.50%	7 Years
Details Index: WSP + 0% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
10/1 Year ARM	5.75%	0.00	5.75%	10 Years
Details Index: WSP + 0% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto 2027/2026 Loan	-	-	4.75%	48 Months
Details Credit Score: A+ (750 & Higher); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.00%	60 Months
Details Credit Score: A+ (750 & Higher); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.00%	48 Months
Details Credit Score: B (640 - 689); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.25%	72 Months
Details Credit Score: A+ (750 & Higher); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.25%	60 Months
Details Credit Score: B (640 - 689); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.50%	84 Months
Details Credit Score: A+ (750 & Higher); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.50%	72 Months
Details Credit Score: B (640 - 689); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	5.75%	84 Months
Details Credit Score: B (640 - 689); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.75%
Details Model Year: 2025-2023; Credit Grade: A+; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	6.00%
Details Model Year: 2022-2021; Credit Grade: A+; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	6.25%
Details Model Year: 2025-2023; Credit Grade: B; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	6.50%	48 Months
Details Credit Score: C (600 - 639); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	6.75%	60 Months
Details Credit Score: C (600 - 639); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	7.00%	72 Months
Details Credit Score: C (600 - 639); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.00%
Details Model Year: 2022-2021; Credit Grade: A; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	7.25%	84 Months
Details Credit Score: C (600 - 639); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.25%
Details Model Year: 2022-2021; Credit Grade: B; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	8.00%
Details Model Year: 2025-2023; Credit Grade: C; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.00%	48 Months
Details Credit Score: D (550 - 599); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	9.00%
Details Model Year: 2022-2021; Credit Grade: C; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.25%	60 Months
Details Credit Score: D (550 - 599); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.25%	48 Months
Details Credit Score: E (549 & Lower); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	9.25%
Details Model Year: 2020 & Older; Credit Grade: B; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.50%	72 Months
Details Credit Score: D (550 - 599); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.50%	60 Months
Details Credit Score: E (549 & Lower); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.75%	84 Months
Details Credit Score: D (550 - 599); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	9.75%	72 Months
Details Credit Score: E (549 & Lower); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto 2027/2026 Loan	-	-	10.00%	84 Months
Details Credit Score: E (549 & Lower); 100% financing (includes tax); Up to seven years Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	11.75%
Details Model Year: 2020 & Older; Credit Grade: C; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	12.25%
Details Model Year: 2025-2023; Credit Grade: D; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 12.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	13.25%
Details Model Year: 2025-2023; Credit Grade: E; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 13.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	14.25%
Details Model Year: 2022-2021; Credit Grade: E; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 14.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	14.75%
Details Model Year: 2020 & Older; Credit Grade: E; 100% financing (includes tax) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 14.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Loan	-	5.75%	Up to 5 Year
Details Credit Score: A+ (750 & Higher); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	6.00%	6-15 Year
Details Credit Score: A+ (750 & Higher); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	6.00%	Up to 5 Year
Details Credit Score: A (690 - 749); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	6.25%	6-15 Year
Details Credit Score: A (690 - 749); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	6.25%	Up to 5 Year
Details Credit Score: B (640 - 689); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Loan	-	6.25%	Up to 10 Year
Details Credit Score: A+ (750 & Higher); Relationship pricing discounts available on Recreational loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	6.50%	6-15 Year
Details Credit Score: B (640 - 689); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Loan	-	6.50%	Up to 10 Year
Details Credit Score: A (690 - 749); Relationship pricing discounts available on Recreational loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Loan	-	6.75%	Up to 10 Year
Details Credit Score: B (640 - 689); Relationship pricing discounts available on Recreational loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	7.25%	Up to 5 Year
Details Credit Score: C (600 - 639); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	7.75%	6-15 Year
Details Credit Score: C (600 - 639); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	9.50%	Up to 5 Year
Details Credit Score: D (550 - 599); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Loan	-	9.50%	Up to 10 Year
Details Credit Score: C (600 - 639); Relationship pricing discounts available on Recreational loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	10.00%	6-15 Year
Details Credit Score: D (550 - 599); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	10.00%	Up to 5 Year
Details Credit Score: E (549 & Lower); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Loan	-	10.50%	6-15 Year
Details Credit Score: E (549 & Lower); Relationship pricing discounts available, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Loan	-	10.50%	Up to 10 Year
Details Credit Score: D (550 - 599); Relationship pricing discounts available on Recreational loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Loan	-	11.00%	Up to 10 Year
Details Credit Score: E (549 & Lower); Relationship pricing discounts available on Recreational loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.75%
Details Credit Score: A+ (750 & Higher) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loans	10.25%
Details Credit Score: A (690 - 749) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loans	13.00%
Details Credit Score: B (640 - 689) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 13.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loans	14.50%
Details Credit Score: C (600 - 639) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 14.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loans	17.25%
Details Credit Score: D (550 - 599) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 17.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loans	17.75%
Details Credit Score: E (549 & Lower) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 17.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Saint Lawrence Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed-Rate Mortgage	6.00%	0.00	6.00%	11 - 15 years
Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed-Rate Mortgage	6.75%	0.00	6.75%	16 - 20 years
Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Fixed-Rate Mortgage	7.00%	0.00	7.00%	21 - 30 years
Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Equipment Loan	-	-	6.50%	Up to 10 Year
Details Credit Score: A+ (750 & Higher); Relationship pricing discounts available on Equipment loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Equipment Loan	-	-	6.75%	Up to 10 Year
Details Credit Score: A (690 - 749); Relationship pricing discounts available on Equipment loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Equipment Loan	-	-	7.00%	Up to 10 Year
Details Credit Score: B (640 - 689); Relationship pricing discounts available on Equipment loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Equipment Loan	-	-	8.50%	Up to 10 Year
Details Credit Score: C (600 - 639); Relationship pricing discounts available on Equipment loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Equipment Loan	-	-	10.25%	Up to 10 Year
Details Credit Score: D (550 - 599); Relationship pricing discounts available on Equipment loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Equipment Loan	-	-	11.25%	Up to 10 Year
Details Credit Score: E (549 & Lower); Relationship pricing discounts available on Equipment loans, maximum discount 1% Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
No Rewards Card	-	-	8.95%
Details Credit Score: A (690 - UP) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
No Rewards Card	-	-	10.95%
Details Credit Score: B (640 - 689) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
No Rewards Card	-	-	12.95%
Details Credit Score: C (600 - 639) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 12.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
No Rewards Card	-	-	15.95%
Details Credit Score: D (550 - 599) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 15.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
No Rewards Card	-	-	17.95%
Details Credit Score: E (549 - DOWN) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 17.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Rewards Card	-	-	9.95%
Details Credit Score: A (690 - UP) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Rewards Card	-	-	11.95%
Details Credit Score: B (640 - 689) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Rewards Card	-	-	13.95%
Details Credit Score: C (600 - 639) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 13.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Rewards Card	-	-	16.95%
Details Credit Score: D (550 - 599) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 16.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Rewards Card	-	-	17.95%
Details Credit Score: E (549 - DOWN) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 17.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Equipment Loan	-	-	7.00%	Up to 10 Year
Details Credit Score: A+ (750 & Higher); Relationship pricing discounts available on Equipment loans, maximum discount 1%; Rates current as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Equipment Loan	-	-	7.25%	Up to 10 Year
Details Credit Score: A (690 - 749); Relationship pricing discounts available on Equipment loans, maximum discount 1%; Rates current as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Equipment Loan	-	-	7.75%	Up to 10 Year
Details Credit Score: B (640 - 689); Relationship pricing discounts available on Equipment loans, maximum discount 1%; Rates current as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Equipment Loan	-	-	11.00%	Up to 10 Year
Details Credit Score: C (600 - 639); Relationship pricing discounts available on Equipment loans, maximum discount 1%; Rates current as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Equipment Loan	-	-	12.00%	Up to 10 Year
Details Credit Score: D (550 - 599); Relationship pricing discounts available on Equipment loans, maximum discount 1%; Rates current as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Equipment Loan	-	-	12.50%	Up to 10 Year
Details Credit Score: E (549 & Lower); Relationship pricing discounts available on Equipment loans, maximum discount 1%; Rates current as of October 1, 2026 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 12.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

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

Saint Lawrence Credit Union’s Texas Ratio fell from 9.06% in Q3 2023 to 3.23% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$272M	3.23%	5.0	A+
March 31, 2026	$268M	4.44%	5.0	A+
December 31, 2025	$259M	5.17%	5.0	A+
September 30, 2025	$252M	5.61%	5.0	A+
June 30, 2025	$245M	4.61%	5.0	A+
March 31, 2025	$241M	6.54%	5.0	A
December 31, 2024	$243M	6.18%	5.0	A
September 30, 2024	$248M	5.02%	5.0	A+
June 30, 2024	$242M	5.23%	5.0	A+
March 31, 2024	$245M	4.54%	5.0	A+
December 31, 2023	$236M	7.16%	5.0	A
September 30, 2023	$232M	9.06%	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 Saint Lawrence 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 Saint Lawrence 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 Saint Lawrence Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Saint Lawrence Credit Union

Website http://www.stlawrfcu.com

Address 800 Commerce Park Dr, Ogdensburg, NY 13669-2208

Phone 315-393-3530

Fax 315-393-3700

President Douglas Loffler

CEO Amber Taylor

Full-Time Employees 57

Part-Time Employees 4

Branch Locations 6

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+ (98/100)

Texas Ratio

3.23%

Return on Assets (ROA)

0.4079%

Return on Equity (ROE)

3.5571%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

272,322,635

Total Amount of Shares and Deposits

239,257,117

Total Shares and Deposits < 1 Year

220,196,665

Total Shares and Deposits 1 3 Years

18,899,788

Total Shares and Deposits > 3 Years

160,664

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

7,272,425

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

7,272,425

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

231,984,692

Total Interest Expense (Sum of items 6 8)

2,029,590

Share Certificates

2,158

Number of Accounts for Share Drafts

9,649

IRA KEOGH Accounts

285

Number of Accounts for Regular Shares

16,412

All other shares

1,109

Non Member Deposits

Money Market Shares

319

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)

17,384,191

Total Liabilities

246,223,059

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Saint Lawrence 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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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Saint Lawrence Credit Union

Does Saint Lawrence Credit Union offer CDs?

Yes. Saint Lawrence Credit Union current CD rates include its CD - 60 Month at 2.02% APY, its CD - 48 Month at 1.82% APY and its CD - 36 Month at 1.71% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Saint Lawrence Credit Union NCUA insured?

Yes. Saint Lawrence 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 Saint Lawrence Credit Union?

The highest Saint Lawrence Credit Union CD rate is its CD - 13 Month SPECIAL at 3.56% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Saint Lawrence Credit Union offer?

Saint Lawrence Credit Union CD rates are 1.11% APY for a 12 month CD, 1.21% APY for a 2 year CD, 1.71% APY for a 3 year CD, 1.82% APY for a 4 year CD and 2.02% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Saint Lawrence Credit Union for its full lineup.

What is the highest money market rate at Saint Lawrence Credit Union?

The highest Saint Lawrence Credit Union money market rate is its Money Market at 0.70% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Saint Lawrence Credit Union?

The lowest Saint Lawrence Credit Union mortgage rate is its 1/1 Year ARM at 4.75%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Saint Lawrence Credit Union?

The lowest Saint Lawrence Credit Union auto loan rate is its New Auto 2027/2026 Loan at 4.75% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Saint Lawrence Credit Union?

The lowest Saint Lawrence Credit Union personal loan rate is its Personal Loans at 9.75% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Saint Lawrence Credit Union operate?

Saint Lawrence 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 Saint Lawrence Credit Union?

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

Does Saint Lawrence Credit Union offer online and mobile banking?

Most modern institutions like Saint Lawrence 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: http://www.stlawrfcu.com.

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 Saint Lawrence Credit Union rates compare?

Saint Lawrence Credit Union's CD rates are 49% lower than the MonitorBankRates national average, and it has an A+ health rating. Saint Lawrence Credit Union's top rates are its CD - 13 Month SPECIAL at 3.56% APY, its Money Market at 0.70% APY, its Broker Buster Share Draft at 0.90% APY, its 1/1 Year ARM at 4.75% and its Personal Loans at 9.75% APR, verified by MonitorBankRates on October 30, 2026.

Current Saint Lawrence Credit Union Rates

12-Month CD0.85%
24-Month CD0.95%
60-Month CD1.71%
MMA0.70%

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

Compare to Other Credit Unions

Saint Lawrence Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Saint Lawrence Credit Union Texas Ratio

Saint Lawrence Credit Union Health Trend

Saint Lawrence Credit Union CD Rates

Saint Lawrence Credit Union Savings Rates

Saint Lawrence Credit Union Money Market Rates

Saint Lawrence Credit Union Checking Rates

Saint Lawrence Credit Union Business Checking Rates

Saint Lawrence Credit Union Mortgage Rates

Saint Lawrence Credit Union Auto Loan Rates

Saint Lawrence Credit Union RV, Boat and Powersport Loan Rates

Saint Lawrence Credit Union Personal Loan Rates

Saint Lawrence Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Saint Lawrence Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Saint Lawrence Credit Union

Does Saint Lawrence Credit Union offer CDs?

Are CDs from Saint Lawrence Credit Union NCUA insured?

What is the highest CD rate at Saint Lawrence Credit Union?

What CD terms does Saint Lawrence Credit Union offer?

What is the highest money market rate at Saint Lawrence Credit Union?

What is the lowest mortgage rate at Saint Lawrence Credit Union?

What is the lowest auto loan rate at Saint Lawrence Credit Union?

What is the lowest personal loan rate at Saint Lawrence Credit Union?

How many branches does Saint Lawrence Credit Union operate?

Is a member application needed to join Saint Lawrence Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Saint Lawrence 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 Saint Lawrence Credit Union rates compare?

Current Saint Lawrence Credit Union Rates

Compare to Other Credit Unions