What are the current interest rates at Serve Credit Union?

Current rates for Serve Credit Union include: 12-Month CD: 4.02%, 24-Month CD: 4.44%, 60-Month CD: 4.60%, Savings: 0.15%, MMA: 1.86%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Serve Credit Union

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Serve Credit Union Rates & Review October 2026

Q: How many branches does Serve Credit Union operate?

Serve 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.

Q: Is a member application needed to join Serve Credit Union?

Yes, to access services at Serve 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.

Q: Is there a first-time homebuyer program?

Currently, Serve 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Serve Credit Union's top rates as of October 9, 2026 are 4.80% APY on its 60-MONTH CD, 0.15% APY on savings, 1.86% APY on money market accounts, 0.25% APY on checking, auto loans from 4.04% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Serve Credit Union CD rates include IRA & ESA CD of Deposit 60-MONTH CD at 4.80%, 48-MONTH CD at 4.75%, and IRA & ESA CD of Deposit 48-MONTH CD at 4.75%. MonitorBankRates evaluates the financial stability of Serve Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.05%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

3.05%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Serve Credit Union
Main Office

423 E Court Ave
Des Moines, IA 50309-2010

https://www.servecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Serve Credit Union CD Rates

Product	Rate	APY	Term
60-MONTH CERTIFICATE	4.70%	4.80%	60 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.13% → 4.80% ▲ 0.67 pts · high 4.80% / low 4.13% Oct 9, 20264.80%▲ from 4.13% Sep 14, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE	4.70%	4.80%	60 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
48-MONTH CERTIFICATE	4.65%	4.75%	48 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.08% → 4.75% ▲ 0.67 pts · high 4.75% / low 4.08% Oct 9, 20264.75%▲ from 4.08% Sep 14, 20264.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE	4.65%	4.75%	48 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
36-MONTH CERTIFICATE	4.60%	4.70%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02% Oct 9, 20264.70%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
60-MONTH CERTIFICATE	4.60%	4.70%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.70% ▲ 0.68 pts · high 4.70% / low 4.02% Oct 9, 20264.70%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE	4.60%	4.70%	36 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE	4.60%	4.70%	60 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
24 Month Youth Mini Certificates of Deposit	4.55%	4.65%	24 Months
Min Balance $250 Details Balance: $250 - $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97% Oct 9, 20264.65%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
24-MONTH CERTIFICATE	4.55%	4.65%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97% Oct 9, 20264.65%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
48-MONTH CERTIFICATE	4.55%	4.65%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.65% ▲ 0.68 pts · high 4.65% / low 3.97% Oct 9, 20264.65%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE	4.55%	4.65%	24 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE	4.55%	4.65%	48 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
36-MONTH CERTIFICATE	4.50%	4.60%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92% Oct 9, 20264.60%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
60-MONTH CERTIFICATE	4.50%	4.60%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.92% → 4.60% ▲ 0.68 pts · high 4.60% / low 3.92% Oct 9, 20264.60%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE	4.50%	4.60%	36 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 60-MONTH CERTIFICATE	4.50%	4.60%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
24-MONTH CERTIFICATE	4.45%	4.55%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87% Oct 9, 20264.55%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
48-MONTH CERTIFICATE	4.45%	4.55%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.55% ▲ 0.68 pts · high 4.55% / low 3.87% Oct 9, 20264.55%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE	4.45%	4.55%	24 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 48-MONTH CERTIFICATE	4.45%	4.55%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
36-MONTH CERTIFICATE	4.40%	4.49%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.49% ▲ 0.67 pts · high 4.49% / low 3.82% Oct 9, 20264.49%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 36-MONTH CERTIFICATE	4.40%	4.49%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
24-MONTH CERTIFICATE	4.35%	4.44%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76% Oct 9, 20264.44%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 24-MONTH CERTIFICATE	4.35%	4.44%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.44% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
12 Month Youth Mini Certificates of Deposit	4.15%	4.23%	12 Months
Min Balance $250 Details Balance: $250 - $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71% Oct 9, 20264.23%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
12-MONTH CERTIFICATE	4.15%	4.23%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 4.23% ▲ 0.52 pts · high 4.23% / low 3.71% Oct 9, 20264.23%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 12-MONTH CERTIFICATE	4.15%	4.23%	12 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.23% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
12-MONTH CERTIFICATE	4.05%	4.13%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61% Oct 9, 20264.13%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
6-MONTH CERTIFICATE	4.05%	4.13%	6 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61% Oct 9, 20264.13%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 12-MONTH CERTIFICATE	4.05%	4.13%	12 months
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
12-MONTH CERTIFICATE	3.95%	4.02%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51% Oct 9, 20264.02%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
6-MONTH CERTIFICATE	3.95%	4.02%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 4.02% ▲ 0.51 pts · high 4.02% / low 3.51% Oct 9, 20264.02%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & ESA Certificate of Deposit 12-MONTH CERTIFICATE	3.95%	4.02%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
6-MONTH CERTIFICATE	3.85%	3.92%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000 to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.92% ▲ 0.52 pts · high 3.92% / low 3.40% Oct 9, 20263.92%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union Savings Rates

Product	Rate	APY	View More
SHARE SAVINGS, YOUTH SAVINGS & SUB-SHARES	0.15%	0.15%
Min Balance $100 Details Balances equal to or in excess of $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union Money Market Rates

Product	Rate	APY
MONEY MARKET SHARE Account	1.85%	1.86%
Min Balance $100,000 Details Balance: OVER $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.86% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
MONEY MARKET SHARE Account	1.65%	1.66%
Min Balance $50,000 Details Balance: $50,000 TO $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
MONEY MARKET SHARE Account	1.55%	1.56%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
MONEY MARKET SHARE Account	1.45%	1.46%
Min Balance $2,500 Details Balance: $2,500 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union Checking Rates

Product	Rate	APY
Share (Draft) Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 and greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Share (Draft) Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Share (Draft) Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
NEW VEHICLES 2025 & Newer Loan	-	-	4.04%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
NEW VEHICLES 2025 & Newer Loan	-	-	4.44%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2024 Loan	-	-	4.44%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
NEW VEHICLES 2025 & Newer Loan	-	-	4.54%	60 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2024 Loan	-	-	4.54%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2024 Loan	-	-	4.64%	60 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
NEW VEHICLES 2025 & Newer Loan	-	-	4.74%	72 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2021-2023 Loan	-	-	4.79%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
NEW VEHICLES 2025 & Newer Loan	-	-	4.84%	84 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2024 Loan	-	-	4.84%	72 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2021-2023 Loan	-	-	4.89%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2024 Loan	-	-	4.94%	84 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2021-2023 Loan	-	-	4.99%	60 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2019-2020 Loan	-	-	5.14%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2021-2023 Loan	-	-	5.19%	72 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2019-2020 Loan	-	-	5.29%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2017-2018 Loan	-	-	5.39%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2021-2023 Loan	-	-	5.39%	84 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2019-2020 Loan	-	-	5.49%	60 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2017-2018 Loan	-	-	5.59%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2019-2020 Loan	-	-	5.59%	72 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2017-2018 Loan	-	-	5.69%	60 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2016 and older Loan	-	-	7.49%	36 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
USED VEHICLES 2016 and older Loan	-	-	7.69%	48 months
Details As Low As* Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	6.39%	36 months
Details No minimum loan amount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Recreational Vehicle Loan	-	6.49%	48 months
Details No minimum loan amount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Recreational Vehicle Loan	-	6.59%	60 months
Details No minimum loan amount Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Recreational Vehicle Loan	-	6.69%	72 months
Details Minimum loan amount of $15,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Recreational Vehicle Loan	-	6.99%	84 months
Details Minimum loan amount of $15,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Recreational Vehicle Loan	-	7.19%	120 months
Details Minimum loan amount of $20,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Recreational Vehicle Loan	-	7.49%	180 months
Details Minimum loan amount of $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Classic	-	8.90%
Details Published APR range: 8.90% - 14.90%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
Cash-Back Rewards Mastercard	-	9.49%
Details Published APR range: 9.49% - 11.49%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Serve Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
EASY ACCESS LINE OF CREDIT (Open End)	-	-	10.90%
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IMAGINE LOAN Money for anything you can imagine. (Fixed term)	-	-	8.99%	12 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IMAGINE LOAN Money for anything you can imagine. (Fixed term)	-	-	9.49%	24 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IMAGINE LOAN Money for anything you can imagine. (Fixed term)	-	-	9.99%	36 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IMAGINE LOAN Money for anything you can imagine. (Fixed term)	-	-	10.49%	48 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IMAGINE LOAN Money for anything you can imagine. (Fixed term)	-	-	10.99%	60 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%
IRA & COVERDELL ESA SHARES	1.005%	-	1.01%
Min Balance $100 Details Balances equal to or in excess of $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Serve Credit Union’s Texas Ratio stayed near 2.95% in Q3 2023 to 3.05% 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	$101M	3.05%	5.0	A+
March 31, 2026	$101M	3.26%	5.0	A+
December 31, 2025	$99M	3.79%	5.0	A+
September 30, 2025	$98M	2.86%	5.0	A+
June 30, 2025	$99M	3.83%	5.0	A+
March 31, 2025	$99M	2.26%	5.0	A+
December 31, 2024	$97M	1.86%	5.0	A+
September 30, 2024	$98M	1.45%	5.0	A+
June 30, 2024	$101M	2.20%	5.0	A+
March 31, 2024	$100M	1.28%	5.0	A+
December 31, 2023	$98M	1.85%	5.0	A+
September 30, 2023	$98M	2.95%	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 Serve 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 Serve 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 Serve Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Serve Credit Union

Website https://www.servecu.org

Address 423 E Court Ave, Des Moines, IA 50309-2010

Phone 515-243-2677

Fax 515-243-1143

President David Ness

CEO Jami Weems

Full-Time Employees 16

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.05%

Return on Assets (ROA)

0.7195%

Return on Equity (ROE)

3.9800%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

101,318,831

Total Amount of Shares and Deposits

82,212,072

Total Shares and Deposits < 1 Year

78,136,058

Total Shares and Deposits 1 3 Years

2,963,969

Total Shares and Deposits > 3 Years

1,112,044

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

2,133,789

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

2,133,789

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

80,078,283

Total Interest Expense (Sum of items 6 8)

556,117

Share Certificates

754

Number of Accounts for Share Drafts

2,957

IRA KEOGH Accounts

122

Number of Accounts for Regular Shares

6,755

Money Market Shares

467

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

728,963

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)

17,546,526

Total Liabilities

83,004,045

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Serve Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Serve Credit Union

Frequently Asked Questions About Serve Credit Union

How many branches does Serve Credit Union operate?

Serve 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 Serve Credit Union?

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

Does Serve Credit Union offer online and mobile banking?

Most modern institutions like Serve 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.servecu.org.

Current Serve Credit Union Rates

12-Month CD4.02%
24-Month CD4.44%
60-Month CD4.60%
Savings0.15%
MMA1.86%

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

Compare to Other Credit Unions

Serve Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Serve Credit Union Texas Ratio

Serve Credit Union Health Trend

Serve Credit Union CD Rates

Serve Credit Union Savings Rates

Serve Credit Union Money Market Rates

Serve Credit Union Checking Rates

Serve Credit Union Auto Loan Rates

Serve Credit Union RV, Boat and Powersport Loan Rates

Serve Credit Union Credit Card Rates

Serve Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Serve Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Serve Credit Union

How many branches does Serve Credit Union operate?

Is a member application needed to join Serve Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Serve Credit Union offer online and mobile banking?

Current Serve Credit Union Rates

Compare to Other Credit Unions