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Salal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 22, 2026
Salal Credit Union's 13-Month CD rates are at 3.50%, 13-Month CD of Deposit rates are at 3.50%, 6 to 48-month Standard CDs rates are at 3.50%, 24 Month CDs of Deposit rates are at 3.25%, 24 Month IRA CD of Deposit rates are at 3.25%. Salal Credit Union's savings rates are at 0.01%. Salal Credit Union's money market rates are at 0.01%. Salal Credit Union's Personal Loan Rates are as low as 9.99%. Salal Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Salal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.67%. Rates last updated and verified on 09/22/2026.
Salal 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 Salal Credit Union? Share your experience about Salal Credit Union by leaving a review below, or read customer reviews before you decide to use Salal Credit Union.
Salal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Salal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.67%
ExcellentLower than avg
Salal Credit Union Texas Ratio
Salal Credit Union's Texas Ratio is 5.67%, which is considered excellent and is lower than the national average of 6.13%.
Salal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.95% to 5.67% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has weakened since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsLock in our best savings rate. Option of automatic renewal as a standard 12-month CD if you want to keep saving. Available in these states.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
13-Month Certificate of Deposit
3.45%
3.50%
13 MONTHS
Min Balance$1,000
DetailsBalance: $1,000.00 - $2,499.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
13-Month Certificate of Deposit
3.45%
3.50%
13 MONTHS
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
13-Month Certificate of Deposit
3.45%
3.50%
13 MONTHS
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
13-Month Certificate of Deposit
3.45%
3.50%
13 MONTHS
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
13-Month Certificate of Deposit
3.45%
3.50%
13 MONTHS
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
13-Month Certificate of Deposit
3.45%
3.50%
13 MONTHS
Min Balance$100,000
DetailsBalance: $100,000.00 +
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
6 to 48-month Standard CDs
-
3.50%
6 to 48-month
Min Deposit$1,000
Details6 to 48-month term options available. Redeem 2,500 Salal Rewards points at time of application or request and receive a 0.25% rate increase. If rates go up during a 12- or 24-month CD term, you can choose once to update your CD to the new rate currently being offered on a 12- or 24-month CD. Available in these states.
DetailsRedeem 2,500 Salal Rewards points at time of application or request and receive a 0.25% rate increase. If CD rates go up during your 24-month term, you can choose once to update your CD to the new rate currently being offered on a 24-month CD. Available in these states.
DetailsEXAMPLE PAYMENTS: New Boats: $720.82 a month based on a 72 month, $40,000.00 loan at 8.99%; Used Boats: $450.51 a month based on a 72 month, $25,000.00 loan at 8.99%; New Motorcycle: $429.78 a month based on a 60 month, $20,000.00 loan at 10.49%; Used Motorcycle: $214.89 a month based on a 60 month, $10,000.00 loan at 10.49%. Actual APR will be based on creditworthiness and the term of the loan. Maximum term and loan-to-value based on approved credit. New boat/RV value based on Manufacturer's Suggested Retail Price. Used boat/RV value based on NADA retail marine surveys and may be required on boats. Preferred Marine Mortgages required on boat loans above $50,000. Collision and comprehensive insurance required. Boat, RV, motorcycle, jet ski, and ATV loans are available for individuals residing in CO, OR, and WA. 1 Rates for loans without automatic payment will increase by 0.25%. Refer to the Credit & Security agreement for specific disclosures. 2 Terms are based on the loan amount.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
Used Motorcycle Loan
-
10.49%
60 month
DetailsEXAMPLE PAYMENTS: New Boats: $720.82 a month based on a 72 month, $40,000.00 loan at 8.99%; Used Boats: $450.51 a month based on a 72 month, $25,000.00 loan at 8.99%; New Motorcycle: $429.78 a month based on a 60 month, $20,000.00 loan at 10.49%; Used Motorcycle: $214.89 a month based on a 60 month, $10,000.00 loan at 10.49%. Actual APR will be based on creditworthiness and the term of the loan. Maximum term and loan-to-value based on approved credit. New boat/RV value based on Manufacturer's Suggested Retail Price. Used boat/RV value based on NADA retail marine surveys and may be required on boats. Preferred Marine Mortgages required on boat loans above $50,000. Collision and comprehensive insurance required. Boat, RV, motorcycle, jet ski, and ATV loans are available for individuals residing in CO, OR, and WA. 1 Rates for loans without automatic payment will increase by 0.25%. Refer to the Credit & Security agreement for specific disclosures. 2 Terms are based on the loan amount.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
Salal Credit Union Credit Card Rates
Product
Rate
APR
View More
CLASSIC CREDIT CARD
-
11.49%
DetailsPublished APR range: 11.49% - 19.24%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
REWARDS CREDIT CARD
-
13.49%
DetailsPublished APR range: 13.49% - 16.99%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
STUDENT CREDIT CARD
-
16.75%
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
SECURED CREDIT CARD
-
18.00%
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
Salal Credit Union Personal Loan Rates
Product
APR
Term
View More
SALAL SIGNATURE LOAN
9.99%
Up to 60 months
DetailsPublished APR range: 9.99% - 11.59%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
Salal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
SALAL EZ LINE OF CREDIT
-
-
13.74%
Revolving
DetailsPublished APR range: 13.74% - 14.34%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
DIRECT INTEREST
0.03%
-
0.03%
Min Balance$0
DetailsBalance: $0.00 +
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.67%
Financial Health History
Salal Credit Union’s Texas Ratio rose from 1.95% in Q2 2023 to 5.67% in Q1 2026, so its financial health has weakened 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
March 31, 2026
$1.2B
5.67%
5.0
A+
December 31, 2025
$1.2B
6.81%
5.0
A
September 30, 2025
$1.1B
4.66%
5.0
A+
June 30, 2025
$1.2B
5.49%
5.0
A+
March 31, 2025
$1.2B
3.47%
5.0
A+
December 31, 2024
$1.2B
3.14%
5.0
A+
September 30, 2024
$1.1B
2.70%
5.0
A+
June 30, 2024
$1.2B
2.63%
5.0
A+
March 31, 2024
$1.2B
1.52%
5.0
A+
December 31, 2023
$1.2B
2.38%
5.0
A+
September 30, 2023
$1.2B
1.33%
5.0
A+
June 30, 2023
$1.3B
1.95%
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 Salal 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 Salal 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 Salal Credit Union's official website for the most current offers and terms.
Address
9706 4th Ave NE Ste 400,
Seattle, WA 98115-2199
Phone206-298-9394
Fax206-299-6000
PresidentBrian Luong
CEOKevin Skinner
Full-Time Employees221
Part-Time Employees3
Branch Locations4
ATM Locations4
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
5.67%
Return on Assets (ROA)
0.1001%
Return on Equity (ROE)
1.1101%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
1,159,613,348
Total Amount of Shares and Deposits
1,025,244,442
Total Shares and Deposits < 1 Year
996,952,690
Total Shares and Deposits 1 3 Years
27,811,542
Total Shares and Deposits > 3 Years
480,210
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
321,345,869
Total Uninsured Shares and Deposits > $250K (F+J)
321,345,869
Total Insured Shares and Deposits > $250K (item 17 less item K)
703,898,573
Total Interest Expense (Sum of items 6 8)
4,373,255
Share Certificates
4,869
Number of Accounts for Share Drafts
17,513
IRA KEOGH Accounts
1,406
Number of Accounts for Regular Shares
13,206
Money Market Shares
4,382
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)
16,476,321
Total Liabilities
1,061,503,990
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Salal 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Salal Credit Union
Frequently Asked Questions About Salal Credit Union
How many branches does Salal Credit Union operate?
Salal 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 Salal Credit Union?
Yes, to access services at Salal 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, Salal 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, Salal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Salal Credit Union offer online and mobile banking?
Most modern institutions like Salal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.salalcu.org.
Current Salal Credit Union Rates
12-Month CD3.00%
18-Month CD2.50%
24-Month CD0.15%
Savings0.01%
MMA0.01%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
