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SERVU Federal Credit Union Rates & Review November 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: October 29, 2026
SERVU Federal Credit Union's 36 Month CD rates are at 3.75%, 18 Month CD rates are at 3.70%, 24 Month CD rates are at 3.70%, 12 Month CD rates are at 3.65%, 6 Month CD rates are at 3.55%. SERVU Federal Credit Union's savings rates are at 2.50%. SERVU Federal Credit Union's 15yr Mortgage rates are at 6.72%. SERVU Federal Credit Union's Personal Loan Rates are as low as 7.49%. SERVU Federal Credit Union's Credit Card Rates are at 11.99%. SERVU Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SERVU Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates last updated and verified on 10/29/2026.
SERVU 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 SERVU Federal Credit Union? Share your experience about SERVU Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SERVU Federal Credit Union.
SERVU Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
SERVU Federal 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
?
2.25%
ExcellentLower than avg
SERVU Federal Credit Union Texas Ratio
SERVU Federal Credit Union's Texas Ratio is 2.25%, which is considered excellent and is lower than the national average of 6.13%.
SERVU Federal 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.
3.22% to 2.25% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
SERVU Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
36 Month IRA Certificate Jumbo
3.90%
3.96%
36 months
Min Balance$100,000
DetailsJumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
Oct 13, 20263.96%▲ from 3.80%
Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
36 Month Jumbo Certificate
3.90%
3.96%
36 months
Min Balance$100,000
DetailsJumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.96% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
24 Month IRA Certificate Jumbo
3.85%
3.91%
24 months
Min Balance$100,000
DetailsJumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75%
Oct 13, 20263.91%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
24 Month Jumbo Certificate
3.85%
3.91%
24 months
Min Balance$100,000
DetailsJumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.91% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
19 Month PROMO Certificate
3.747%
3.80%
19 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
36 Month Certificate
3.70%
3.75%
36 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
Oct 5, 20263.75%▲ from 3.60%
Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
36 Month IRA Certificate
3.70%
3.75%
36 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
Oct 5, 20263.75%▲ from 3.60%
Sep 14, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
9 Month PROMO Certificate
3.698%
3.75%
9 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed; Dividend Rate 3.698, APY 3.75
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
18 Month Certificate
3.65%
3.70%
18 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 5, 20263.70%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
24 Month Certificate
3.65%
3.70%
24 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
Oct 5, 20263.70%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
4 Month IRA Certificate
3.65%
3.70%
4 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
12 Month Certificate
3.60%
3.65%
12 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
Oct 5, 20263.65%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
12 Month IRA Certificate
3.60%
3.65%
12 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
Oct 5, 20263.65%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
6 Month Certificate
3.50%
3.55%
6 months
Min Balance$1,000
DetailsEarly withdrawal penalty may be imposed
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44%
Oct 5, 20263.55%▲ from 3.44%
Sep 14, 20263.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Savings Rates
Product
Rate
APY
View More
EE Savings Bonds
2.50%
2.50%
DetailsAPY: N/A; Accurate as of the last dividend declaration date.
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.10% → 2.50% ▲ 2.40 pts · high 2.50% / low 0.10%
Oct 5, 20262.50%▲ from 0.10%
Sep 14, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Shares/Clubs
0.50%
0.50%
DetailsAccurate as of the last dividend declaration date.
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45%
Oct 5, 20260.50%▲ from 0.45%
Sep 14, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15yr Mortgage
-
-
6.72%
DetailsAs Low As; Rate shown on homepage promo card
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 6.80% → 6.72% ▼ 0.08 pts · high 6.80% / low 6.72%
Oct 29, 20266.72%▼ from 6.80%
Oct 13, 20266.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Fixed Rate Home Equity Loan - 0-60 mo
-
-
6.24%
0-60 months
Details90% LTV; Fixed Rate / Open End
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Fixed Rate Home Equity Loan - 60-120 mo
-
-
6.49%
60-120 months
Details90% LTV; Fixed Rate / Open End
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Fixed Rate Home Equity Loan - 121-180 mo
-
-
6.74%
121-180 months
Details90% LTV; Fixed Rate / Open End
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Fixed Rate Home Equity Loan - 181-240 mo
-
-
6.99%
181-240 months
Details90% LTV; Fixed Rate / Open End
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Equity - Variable Rate / Line of Credit - Quarterly Prime +0 Plan (0-180 mo)
-
-
7.00%
DetailsRate: Prime +0; 90% rates (LTV); APR may vary; Maximum APR is 18.00%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Equity - Variable Rate / Line of Credit - Anniversary Prime +1 Plan (0-180 mo)
-
-
8.00%
DetailsRate: Prime +1; 90% rates (LTV); APR may vary; Maximum APR is 18.00%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
5.24%
0-36 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.24%
37-48 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.49%
49-72 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.74%
73-84 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.74%
0-36 months
DetailsModel Year: 2016-2021; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.74%
37-48 months
DetailsModel Year: 2016-2021; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.99%
85-96 months
DetailsModel Year: 2022 & newer; Minimum loan amount of $30,000 for 85-96 mo term; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
5.99%
49-72 months
DetailsModel Year: 2016-2021; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
6.24%
73-84 months
DetailsModel Year: 2016-2021; Minimum loan amount of $30,000 for 73-84 mo term; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
7.99%
0-36 months
DetailsModel Year: 2015-older; Loans less than $10,000, max. 36 mo; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
8.24%
37-60 months
DetailsModel Year: 2015-older; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 8.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Auto Loan
-
-
8.74%
61-72 months
DetailsModel Year: 2015-older; Minimum loan amount of $30,000 for 61-72 mo term; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 8.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans
-
5.74%
0-36 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
5.74%
37-48 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
5.99%
49-72 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
6.24%
73-84 months
DetailsModel Year: 2022 & newer; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
6.24%
0-36 months
DetailsModel Year: 2016-2021; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
6.24%
37-48 months
DetailsModel Year: 2016-2021; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
6.24%
49-72 months
DetailsModel Year: 2016-2021; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
6.49%
0-36 months
DetailsModel Year: 2020 & newer; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
6.49%
37-60 months
DetailsModel Year: 2020 & newer; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
6.49%
85-96 months
DetailsModel Year: 2022 & newer; Minimum amount of $30,000 for 85-96 mo term; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
6.49%
73-84 months
DetailsModel Year: 2016-2021; Minimum amount of $30,000 for 73-84 mo term; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
6.74%
61-72 months
DetailsModel Year: 2020 & newer; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
6.74%
73-84 months
DetailsModel Year: 2020 & newer; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
6.99%
85-120 months
DetailsModel Year: 2020 & newer; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
7.24%
121-180 months
DetailsModel Year: 2020 & newer; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
7.24%
0-36 months
DetailsModel Year: 2019 & older; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
7.24%
37-60 months
DetailsModel Year: 2019 & older; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
7.49%
61-84 months
DetailsModel Year: 2019 & older; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
7.74%
85-120 months
DetailsModel Year: 2019 & older; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans
-
7.99%
121-180 months
DetailsModel Year: 2019 & older; Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only.
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
8.49%
0-36 months
DetailsModel Year: 2015-older; Loans less than $10,000, max. 36 mo; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 8.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
8.74%
37-60 months
DetailsModel Year: 2015-older; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 8.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Motorcycle Loans
-
9.24%
61-72 months
DetailsModel Year: 2015-older; Minimum amount of $30,000 for 61-72 mo term; Finance up to 115% of NADA book value including sales tax; Collision & Comprehensive Insurance required; New money only
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Classic Card
-
11.99%
DetailsPromotional Visa Balance Transfer Rate 2.49%; Regular APR: 11.99% for Purchases, Cash Advances and Balance Transfers (table shows 11.99** for Balance Transfers); Balance Transfer Fee 2.00% ($5 minimum)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Visa Reward Card
-
13.99%
DetailsPurchases APR 13.99%; Cash Advances APR 13.99%; Balance Transfers APR printed as 13.99** (footnote not defined on page); Variable rate tied to Prime Rate plus 6.99% margin, never greater than 18.00%
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 13.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
7.49%
0-36 months
DetailsBorrow up to $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Oct 9, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Personal Loan
7.99%
37-60 months
DetailsBorrow up to $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49%
Oct 9, 20267.99%▲ from 7.49%
Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Personal Loan
8.49%
61-72 months
DetailsBorrow up to $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99%
Oct 9, 20268.49%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
SERVU Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Home Improvement Loan
-
-
7.49%
0-36 months
DetailsBorrow up to $20,000; Unsecured funds for home improvements - new money only
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Oct 9, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Loan
-
-
7.74%
37-60 months
DetailsBorrow up to $20,000; Unsecured funds for home improvements - new money only
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.24% → 7.74% ▲ 0.50 pts · high 7.74% / low 7.24%
Oct 9, 20267.74%▲ from 7.24%
Sep 14, 20267.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Loan
-
-
7.99%
61-84 months
DetailsBorrow up to $20,000; Unsecured funds for home improvements - new money only
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49%
Oct 9, 20267.99%▲ from 7.49%
Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Loan
-
-
8.49%
85-120 months
DetailsBorrow up to $20,000; Unsecured funds for home improvements - new money only
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99%
Oct 9, 20268.49%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Plus Loan
-
-
7.49%
0-36 months
DetailsBorrow up to $20,000; unsecured; new money only; proceeds must be used for home improvements; member must be a home owner; total Home Improvement and Home Improvement Plus cannot exceed $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 7.49% ▼ 0.50 pts · high 7.99% / low 7.49%
Oct 13, 20267.49%▼ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Plus Loan
-
-
7.74%
37-60 months
DetailsBorrow up to $20,000; unsecured; new money only; proceeds must be used for home improvements; member must be a home owner; total Home Improvement and Home Improvement Plus cannot exceed $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.24% → 7.74% ▼ 0.50 pts · high 8.24% / low 7.74%
Oct 13, 20267.74%▼ from 8.24%
Sep 14, 20268.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Plus Loan
-
-
7.99%
61-84 months
DetailsBorrow up to $20,000; unsecured; new money only; proceeds must be used for home improvements; member must be a home owner; total Home Improvement and Home Improvement Plus cannot exceed $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 8.99% → 7.99% ▼ 1.00 pts · high 8.99% / low 7.99%
Oct 13, 20267.99%▼ from 8.99%
Sep 17, 20268.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Home Improvement Plus Loan
-
-
8.49%
85-120 months
DetailsBorrow up to $20,000; unsecured; new money only; proceeds must be used for home improvements; member must be a home owner; total Home Improvement and Home Improvement Plus cannot exceed $20,000
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 8.99% → 8.49% ▼ 0.50 pts · high 8.99% / low 8.49%
Oct 13, 20268.49%▼ from 8.99%
Sep 17, 20268.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Promotional Loan
-
-
5.74%
0-24 months
DetailsBorrow up to $3,500
Last Updated10/29/2026
Rate History
1 change since Sep 28, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 9, 20265.74%▲ from 5.24%
Sep 28, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Special Promotional Loan
-
-
6.24%
0-36 months
DetailsBorrow up to $6,000; Special Promotional Rate, subject to change at anytime; New money only
Last Updated10/29/2026
Rate History
No change since Sep 28, 2026 · 6.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.25%
Financial Health History
SERVU Federal Credit Union’s Texas Ratio fell from 3.22% in Q3 2023 to 2.25% 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
$529M
2.25%
5.0
A+
March 31, 2026
$519M
2.63%
5.0
A+
December 31, 2025
$506M
2.22%
5.0
A+
September 30, 2025
$495M
3.23%
5.0
A+
June 30, 2025
$499M
3.25%
5.0
A+
March 31, 2025
$492M
2.54%
5.0
A+
December 31, 2024
$474M
4.19%
5.0
A+
September 30, 2024
$469M
4.45%
5.0
A+
June 30, 2024
$474M
2.77%
5.0
A+
March 31, 2024
$465M
2.60%
5.0
A+
December 31, 2023
$449M
2.42%
5.0
A+
September 30, 2023
$449M
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 SERVU 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 SERVU 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 SERVU Federal Credit Union's official website for the most current offers and terms.
Address
87 Victory Hwy,
Painted Post, NY 14870-1006
Phone607-936-4615
Fax607-936-3154
PresidentMichael Harris
CEOKeith Orfanides
Full-Time Employees137
Part-Time Employees1
Branch Locations7
ATM Locations7
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
2.25%
Return on Assets (ROA)
0.6987%
Return on Equity (ROE)
4.7113%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
529,177,227
Total Amount of Shares and Deposits
446,094,062
Total Shares and Deposits < 1 Year
433,030,271
Total Shares and Deposits 1 3 Years
13,063,790
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,147,724
Total Uninsured Shares and Deposits > $250K (F+J)
16,147,724
Total Insured Shares and Deposits > $250K (item 17 less item K)
429,946,338
Total Interest Expense (Sum of items 6 8)
2,107,423
Share Certificates
2,645
Number of Accounts for Share Drafts
27,269
IRA KEOGH Accounts
1,516
Number of Accounts for Regular Shares
73,908
Net Income (unless the amount is already included in Undivided Earnings)
3,697,581
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)
35,246,525
Total Liabilities
450,694,185
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
SERVU 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.
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 SERVU Federal Credit Union
Frequently Asked Questions About SERVU Federal Credit Union
Does SERVU Federal Credit Union offer CDs?
Yes. SERVU Federal Credit Union current CD rates include its 36 Month CD at 3.75% APY, its 18 Month CD at 3.70% APY and its 24 Month CD at 3.70% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from SERVU Federal Credit Union NCUA insured?
Yes. SERVU 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 SERVU Federal Credit Union?
The highest SERVU Federal Credit Union CD rate is its 36 Month IRA CD Jumbo at 3.96% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does SERVU Federal Credit Union offer?
SERVU Federal Credit Union CD rates are 3.55% APY for a 6 month CD, 3.65% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.70% APY for a 2 year CD and 3.75% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SERVU Federal Credit Union for its full lineup.
What is the highest savings rate at SERVU Federal Credit Union?
The highest SERVU Federal Credit Union savings rate is its EE Savings Bonds at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest mortgage rate at SERVU Federal Credit Union?
The lowest SERVU Federal Credit Union mortgage rate is its 15yr Mortgage at 6.72% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at SERVU Federal Credit Union?
The lowest SERVU Federal Credit Union auto loan rate is its Auto Loan at 5.24% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at SERVU Federal Credit Union?
The lowest SERVU Federal Credit Union personal loan rate is its Personal Loan at 7.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at SERVU Federal Credit Union?
The lowest SERVU Federal Credit Union credit card APR is its Visa Classic Card Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does SERVU Federal Credit Union operate?
SERVU 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 SERVU Federal Credit Union?
Yes, to access services at SERVU 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, SERVU 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, SERVU Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does SERVU Federal Credit Union offer online and mobile banking?
Most modern institutions like SERVU 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.servucu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do SERVU Federal Credit Union rates compare?
SERVU Federal Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. SERVU Federal Credit Union's top rates are its 36 Month IRA CD Jumbo at 3.96% APY, its EE Savings Bonds at 2.50% APY, its 15yr Mortgage at 6.72%, its Personal Loan at 7.49% APR and its Visa Classic Card Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026.
Current SERVU Federal Credit Union Rates
12-Month CD3.65%
18-Month CD3.70%
24-Month CD3.70%
Savings2.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
