☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Ellafi Federal Credit Union

iAdvertiser Disclosure

Ellafi Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Ellafi Federal Credit Union?

Current rates for Ellafi Federal Credit Union include: 12-Month CD: 0.00%, 18-Month CD: 0.00%, 24-Month CD: 3.85%, 60-Month CD: 2.75%, Savings: 0.25%, MMA: 2.00%

Q: What CD terms does Ellafi Federal Credit Union offer?

Ellafi Federal Credit Union CD rates are 3.65% APY for a 9 month CD, 4.00% APY for a 12 month CD, 3.75% APY for a 14 month CD, 3.75% APY for an 18 month CD, 3.85% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Ellafi Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Ellafi Federal Credit Union's 12 Month CD rates are at 4.00%, 24 Month CD rates are at 3.85%, 14 Month CD rates are at 3.75%, 18 Month CD rates are at 3.75%, 9 Month CD rates are at 3.65%. Ellafi Federal Credit Union's savings rates are at 0.25%. Ellafi Federal Credit Union's money market rates are at 2.00%. Ellafi Federal Credit Union's checking rates are as high as 1.50%. Ellafi Federal Credit Union's Personal Loan Rates are as low as 9.74%. Ellafi Federal Credit Union's Credit Card Rates are at 11.95%. Ellafi Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Ellafi Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.75%. Rates last updated and verified on 10/31/2026.

Ellafi Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ellafi Federal Credit Union? Share your experience about Ellafi Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ellafi Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.75%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ellafi Federal Credit Union
Main Office

524 S Main St
Middletown, CT 06457-4215

https://www.ellafifcu.org/

Customer Reviews

Be the first to review

Write a Review

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.

Ellafi Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	3.93%	4.00%	12 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 12 Month	3.93%	4.00%	12 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
24 Month Share Certificate	3.78%	3.85%	24 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 24 Month	3.78%	3.85%	24 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
14 Month Share Certificate	3.69%	3.75%	14 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
18 Month Share Certificate	3.69%	3.75%	18 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 14 Month	3.69%	3.75%	14 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 18 Month	3.69%	3.75%	18 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
9 Month Share Certificate	3.59%	3.65%	9 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 9 Month	3.59%	3.65%	9 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
6 Month Featured Share Certificate	3.44%	3.50%	6 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
6 Month Share Certificate	3.44%	3.50%	6 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 6 Month	3.44%	3.50%	6 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
12 Month Amplifi Saver Certificate Account	2.96%	3.00%	12 month
Min Deposit $500 Details Maximum balance $10,000.00 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
12 Month Simplifi Saver Certificate Account	2.96%	3.00%	12 month
Min Deposit $5 Details Maximum balance $2,500.00 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
3 Month Share Certificate	2.72%	2.75%	3 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
60 Month Share Certificate	2.72%	2.75%	60 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 3 Month	2.72%	2.75%	3 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 60 Month	2.72%	2.75%	60 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
48 Month Share Certificate	2.48%	2.50%	48 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 48 Month	2.48%	2.50%	48 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
36 Month Share Certificate	1.99%	2.00%	36 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 36 Month	1.99%	2.00%	36 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
10 Month Share Certificate	0.50%	0.50%	10 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
IRA Share Certificate - 10 Month	0.50%	0.50%	10 Month
Min Balance $1,000 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
12 Month Saplings Share Certificate	0.00%	0.00%	12 Month
Min Balance $250 Details Available to individuals ages 0-17; Minimum Balance $250.00 Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
18 Month Saplings Share Certificate	0.00%	0.00%	18 Month
Min Balance $250 Details Available to individuals ages 0-17; Minimum Balance $250.00 Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
6 Month Saplings Share Certificate	0.00%	0.00%	6 Month
Min Balance $250 Details Age: available to individuals ages 0-17; Minimum Balance $250.00 Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Ellafi Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.25%	0.25%
Min Balance $5 Details Minimum Average Daily Balance to earn the APY: $5 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Kiosk Savings Account (Members Age 18 and up)	0.05%	0.05%
Min Balance $25 Details Minimum Average Daily Balance to earn the APY: $25 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500 - $9,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Saplings Savings Account (Members Age 17 and younger)	0.05%	0.05%
Min Balance $25 Details Minimum Average Daily Balance to earn the APY: $25 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Preferred Share Account	0.00%	0.00%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Preferred Share Account	0.00%	0.00%
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000.00 and up Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Regular Share Savings Accounts	0.00%	0.00%
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Regular Share Savings Accounts	0.00%	0.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Regular Share Savings Accounts	0.00%	0.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Regular Share Savings Accounts	0.00%	0.00%
Min Balance $50,000 Details Balance: $50,000.00 and up Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Ellafi Federal Credit Union Money Market Rates

Product	Rate	APY
Amplifi Money Market Accounts	2.00%	2.00%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and up; $1,000 minimum opening deposit Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Amplifi Money Market Accounts	1.00%	1.00%
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 - $249,999.99; $1,000 minimum opening deposit Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Amplifi Money Market Accounts	0.75%	0.75%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; $1,000 minimum opening deposit Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Amplifi Money Market Accounts	0.50%	0.50%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; $1,000 minimum opening deposit Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Amplifi Money Market Accounts	0.40%	0.40%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Average Daily Balance tier; $1,000 minimum opening deposit Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Featured Money Market Account	0.05%	0.05%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Featured Money Market Account	0.05%	0.05%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Featured Money Market Account	0.05%	0.05%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Featured Money Market Account	0.05%	0.05%
Min Deposit $1,500 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500 - $9,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Money Market Share Accounts	0.05%	0.05%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Premium Money Market Accounts	0.05%	0.05%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Premium Money Market Accounts	0.05%	0.05%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Premium Money Market Accounts	0.05%	0.05%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000.00 - $149,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Premium Money Market Accounts	0.05%	0.05%
Min Deposit $25,000 Min Balance $150,000 Details Balance: $150,000.00 and up Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Ellafi Federal Credit Union Checking Rates

Product	Rate	APY	View More
Wealth Builder Checking Account	1.50%	1.50%
Min Balance $500 Details Qualifications Required; Balance: $500.00 - $10,000 (if qualifiers are met) Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Ellafi Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 10 Year	6.00%	-	6.00%	10 Year
Details As Low As; <= 80% LTV; Rate increased by 0.50% if loan amount is less than $25,000.00; Property and/or flood insurance required Last Updated 10/31/2026 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: 2.75%
Home Equity Loan - 15 Year	6.25%	-	6.25%	15 Year
Details Term: 15 Year (< = 80% LTV); As Low As; Rates as low as 6.25%; LTV < = 80%; Rate increased by 0.50% if loan amount is less than $25,000.00; Property and/or flood insurance required Last Updated 10/31/2026 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: 2.75%
Home Equity Loan - 20 Year	6.50%	-	6.50%	20 Year
Details As Low As; Up to 80% LTV (<= 80% LTV); Rate increases by 0.50% if loan amount is less than $25,000.00; Property and/or flood insurance required Last Updated 10/31/2026 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: 2.75%
Home Equity Line of Credit (HELOC)	-	-	6.75%
Details As Low As; Up to 80% LTV; Assumptions: Platinum credit and loan amount for $25,000; Variable rate based on WSJ Prime (Prime minus 0.25% = 6.75% APR); Minimum APR 6.75%, Maximum APR 18.00%; rates increased 0.50% if line amount is less than $25,000.00; property and/or flood insurance required Last Updated 10/31/2026 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: 2.75%

Ellafi Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.99%	Up to 60 months
Details As Low As; Platinum credit and loan amount of $25,000; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
New Auto Loan	-	-	5.10%	61 to 72 months
Details As Low As; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Used Auto Loan	-	-	5.49%	Up to 60 months
Details As Low As; Rate determined by credit history and term; Platinum credit and loan amount of $25,000; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Used Auto Loan	-	-	5.59%	61 to 72 months
Details As Low As; Rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
New Auto Loan	-	-	5.74%	73 to 84 months
Details As Low As; minimum $25k loan amount; rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Used Auto Loan	-	-	6.49%	73 to 84 months
Details As Low As; Min $25k loan amount; Rate determined by credit history and term; APR includes 0.25% discount with Auto Pay from Ellafi FCU checking Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Ellafi Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & Recreational Vehicle Loan	-	7.00%	Up to 60 months
Details As Low As; Assumptions: Platinum credit and a loan amount of $15,000; Rate determined by your credit history and term and subject to change without notice Last Updated 10/31/2026 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: 2.75%
Boat & Recreational Vehicle Loan	-	8.00%	61 to 120 months
Details As Low As; Rate determined by your credit history and term and subject to change without notice Last Updated 10/31/2026 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: 2.75%
Boat & Recreational Vehicle Loan	-	9.00%	121 to 180 months
Details As Low As; Rate determined by your credit history and term and subject to change without notice Last Updated 10/31/2026 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: 2.75%

Ellafi Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loan	-	-	6.24%	Up to 60 Months
Details As Low As Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Student Loan	-	-	7.24%	120 Months
Details As Low As Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Student Loan	-	-	8.24%	180 Months
Details As Low As Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Ellafi Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	11.95%
Details Purchase APR range: 11.95% to 17.95% based on your credit history; Balance Transfer APR: 11.95% to 17.95% based on your credit history; Cash Advance APR: 11.95% to 17.95% based on your credit history Last Updated 10/31/2026 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: 2.75%
Visa Signature	-	12.95%
Details Purchase APR range: 12.95% to 17.95% based on your credit history; Balance Transfer APR: 12.95% to 17.95% based on your credit history; Cash Advance APR: 12.95% to 17.95% based on your credit history Last Updated 10/31/2026 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: 2.75%
Visa Platinum Rewards	-	13.95%
Details Purchase APR range: 13.95% to 17.95% based on your credit history; Balance Transfer APR: 13.95% to 17.95% based on your credit history; Cash Advance APR: 13.95% to 17.95% based on your credit history Last Updated 10/31/2026 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: 2.75%

Ellafi Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	9.74%	Revolving
Details As Low As; Revolving Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Personal Loan	10.99%	1 to 36 Months
Details As Low As; APR = Annual Percentage Rate Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Personal Loan	11.99%	37 to 60 Months
Details As Low As; APR = Annual Percentage Rate Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Visa Signature	12.95%
Details Purchase APR range: 12.95% to 17.95% based on your credit history; Balance Transfer APR: 12.95% to 17.95% based on your credit history; Cash Advance APR: 12.95% to 17.95% based on your credit history Last Updated 10/31/2026 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: 2.75%

Ellafi Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
E-Bike Loans	-	-	6.99%	1 to 24 Months
Details As Low As; E-Bike Loans Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Home Improvement Loan	-	-	8.99%	5 years
Details As Low As; Rates effective October 1, 2026; Payment per $1,000 borrowed: $20.75 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Home Improvement Loan	-	-	9.99%	10 years
Details As Low As; Rates effective October 1, 2026; Payment per $1,000 borrowed: $13.21 Last Updated 10/31/2026 Rate History No change since Oct 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

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

Ellafi Federal Credit Union’s Texas Ratio stayed near 3.22% in Q3 2023 to 2.75% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — 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
June 30, 2026	$178M	2.75%	5.0	A+
March 31, 2026	$178M	3.90%	5.0	A+
December 31, 2025	$176M	2.75%	5.0	A+
September 30, 2025	$174M	3.55%	5.0	A+
June 30, 2025	$175M	2.83%	5.0	A+
March 31, 2025	$178M	2.38%	5.0	A+
December 31, 2024	$170M	3.87%	5.0	A+
September 30, 2024	$169M	5.82%	5.0	A+
June 30, 2024	$172M	5.40%	5.0	A+
March 31, 2024	$174M	5.15%	5.0	A+
December 31, 2023	$174M	4.20%	5.0	A+
September 30, 2023	$174M	3.22%	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 Ellafi Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Ellafi Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Ellafi Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ellafi Federal Credit Union

Website https://www.ellafifcu.org/

Address 524 S Main St, Middletown, CT 06457-4215

Phone 860-346-6614

Fax 860-346-4214

President James Misenti

CEO Robyn Swanson

Full-Time Employees 35

Part-Time Employees 7

Branch Locations 3

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.75%

Return on Assets (ROA)

0.0528%

Return on Equity (ROE)

0.7299%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

178,108,419

Total Amount of Shares and Deposits

160,939,365

Total Shares and Deposits < 1 Year

160,216,345

Total Shares and Deposits 1 3 Years

457,639

Total Shares and Deposits > 3 Years

265,381

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

4,142,326

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

4,142,326

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

156,797,039

Total Interest Expense (Sum of items 6 8)

864,862

Share Certificates

853

Number of Accounts for Share Drafts

8,347

IRA KEOGH Accounts

428

Number of Accounts for Regular Shares

16,051

Non Member Deposits

Money Market Shares

315

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)

5,569,199

Total Liabilities

167,057,076

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Ellafi Federal 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/seasons-federal-credit-union-rates-review-854">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Ellafi Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Ellafi Federal Credit Union

Frequently Asked Questions About Ellafi Federal Credit Union

Does Ellafi Federal Credit Union offer CDs?

Yes. Ellafi Federal Credit Union current CD rates include its 12 Month CD at 4.00% APY, its 24 Month CD at 3.85% APY and its 14 Month CD at 3.75% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Ellafi Federal Credit Union NCUA insured?

Yes. Ellafi Federal 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 Ellafi Federal Credit Union?

The highest Ellafi Federal Credit Union CD rate is its 12 Month CD at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Ellafi Federal Credit Union offer?

Ellafi Federal Credit Union CD rates are 3.65% APY for a 9 month CD, 4.00% APY for a 12 month CD, 3.75% APY for a 14 month CD, 3.75% APY for an 18 month CD, 3.85% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Ellafi Federal Credit Union for its full lineup.

What is the highest savings rate at Ellafi Federal Credit Union?

The highest Ellafi Federal Credit Union savings rate is its Health Savings Account at 0.25% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at Ellafi Federal Credit Union?

The highest Ellafi Federal Credit Union money market rate is its Amplifi Money Market Accounts at 2.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Ellafi Federal Credit Union?

The highest Ellafi Federal Credit Union checking rate is its Wealth Builder Checking Account at 1.50% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Ellafi Federal Credit Union?

The lowest Ellafi Federal Credit Union auto loan rate is its New Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at Ellafi Federal Credit Union?

The lowest Ellafi Federal Credit Union personal loan rate is its Personal Line of Credit at 9.74% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at Ellafi Federal Credit Union?

The lowest Ellafi Federal Credit Union credit card APR is its Visa Platinum Credit Card at 11.95% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Ellafi Federal Credit Union operate?

Ellafi Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Ellafi Federal Credit Union?

Yes, to access services at Ellafi Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Ellafi Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ellafi Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ellafi Federal Credit Union offer online and mobile banking?

Most modern institutions like Ellafi Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ellafifcu.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 Ellafi Federal Credit Union rates compare?

Ellafi Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Ellafi Federal Credit Union's top rates are its 12 Month CD at 4.00% APY, its Health Savings Account at 0.25% APY, its Amplifi Money Market Accounts at 2.00% APY, its Wealth Builder Checking Account at 1.50% APY, its Personal Line of Credit at 9.74% APR and its Visa Platinum Credit Card at 11.95% APR, verified by MonitorBankRates on October 31, 2026.

Current Ellafi Federal Credit Union Rates

12-Month CD0.00%
18-Month CD0.00%
24-Month CD3.85%
60-Month CD2.75%
Savings0.25%
MMA2.00%

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

Compare to Other Credit Unions

Ellafi Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ellafi Federal Credit Union Texas Ratio

Ellafi Federal Credit Union Health Trend

Ellafi Federal Credit Union CD Rates

Ellafi Federal Credit Union Savings Rates

Ellafi Federal Credit Union Money Market Rates

Ellafi Federal Credit Union Checking Rates

Ellafi Federal Credit Union Home Equity & HELOC

Ellafi Federal Credit Union Auto Loan Rates

Ellafi Federal Credit Union RV, Boat and Powersport Loan Rates

Ellafi Federal Credit Union Student Loan Rates

Ellafi Federal Credit Union Credit Card Rates

Ellafi Federal Credit Union Personal Loan Rates

Ellafi Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Ellafi Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ellafi Federal Credit Union

Does Ellafi Federal Credit Union offer CDs?

Are CDs from Ellafi Federal Credit Union NCUA insured?

What is the highest CD rate at Ellafi Federal Credit Union?

What CD terms does Ellafi Federal Credit Union offer?

What is the highest savings rate at Ellafi Federal Credit Union?

What is the highest money market rate at Ellafi Federal Credit Union?

What is the highest checking rate at Ellafi Federal Credit Union?

What is the lowest auto loan rate at Ellafi Federal Credit Union?

What is the lowest personal loan rate at Ellafi Federal Credit Union?

What is the lowest credit card APR at Ellafi Federal Credit Union?

How many branches does Ellafi Federal Credit Union operate?

Is a member application needed to join Ellafi Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ellafi Federal 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 Ellafi Federal Credit Union rates compare?

Current Ellafi Federal Credit Union Rates

Compare to Other Credit Unions