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Tendto Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 22, 2026
Tendto Credit Union's 9 Month Term CD (50% New Money) rates are at 4.47%, 60 month CD rates are at 4.37%, 48 to 59 month CD rates are at 4.32%, 18-Month Term CD rates are at 4.28%, 36 to 47 month CD rates are at 4.27%. Tendto Credit Union's savings rates are at 0.05%. Tendto Credit Union's money market rates are at 0.70%. Tendto Credit Union's Personal Loan Rates are as low as 8.99%. Tendto Credit Union's Credit Card Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Tendto Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.81%. Rates last updated and verified on 09/22/2026.
Tendto 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 Tendto Credit Union? Share your experience about Tendto Credit Union by leaving a review below, or read customer reviews before you decide to use Tendto Credit Union.
Tendto Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
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
Tendto 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
?
3.81%
ExcellentLower than avg
Tendto Credit Union Texas Ratio
Tendto Credit Union's Texas Ratio is 3.81%, which is considered excellent and is lower than the national average of 6.13%.
Tendto 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.
2.95% to 3.81% over 6 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 Q4 2024. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsTerm: 10 year draw period; 15 year payback; Minimum Loan Amount: $10,000
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
New 2025 - 2026 Loan
-
-
7.29%
60 month
DetailsMinimum Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
New 2025 - 2026 Loan
-
-
11.75%
120 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
New 2025 - 2026 Loan
-
-
12.49%
144 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Platinum Loan
-
-
8.99%
DetailsPublished APR range: 8.99% - 15.99%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2014 - 2019 Loan
-
-
11.00%
60 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2014 - 2019 Loan
-
-
11.74%
84 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2014 - 2019 Loan
-
-
13.50%
120 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2019 - 2023 Loan
-
-
9.09%
36 month
DetailsMinimum Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2019 - 2023 Loan
-
-
9.24%
48 month
DetailsMinimum Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2020 - 2024 Loan
-
-
10.25%
60 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2020 - 2024 Loan
-
-
10.99%
84 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2020 - 2024 Loan
-
-
12.75%
120 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2020 - 2024 Loan
-
-
13.49%
144 month
DetailsMin. Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2024 Loan
-
-
7.84%
36 month
DetailsMinimum Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2024 Loan
-
-
7.99%
48 month
DetailsMinimum Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Used 2024 Loan
-
-
8.19%
60 month
DetailsMinimum Loan Amount: $2,500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
IRA Accumulation
0.10%
-
0.10%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.81%
Financial Health History
Tendto Credit Union’s Texas Ratio rose from 2.95% in Q4 2024 to 3.81% in Q1 2026, so its financial health has stayed very strong over the past 6 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
March 31, 2026
$144M
3.81%
5.0
A+
December 31, 2025
$140M
4.63%
5.0
A+
September 30, 2025
$140M
3.88%
5.0
A+
June 30, 2025
$146M
4.01%
5.0
A+
March 31, 2025
$144M
2.91%
5.0
A+
December 31, 2024
$135M
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 Tendto 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 Tendto 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 Tendto Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,331,674
Total Uninsured Shares and Deposits > $250K (F+J)
3,331,674
Total Insured Shares and Deposits > $250K (item 17 less item K)
128,554,812
Total Interest Expense (Sum of items 6 8)
292,612
Share Certificates
733
Number of Accounts for Share Drafts
6,620
IRA KEOGH Accounts
138
Number of Accounts for Regular Shares
11,937
All other shares
1,896
Money Market Shares
319
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,201,880
Total Liabilities
134,535,842
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Tendto Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Tendto 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
0
Add Your Rating and Review for Tendto Credit Union
Frequently Asked Questions About Tendto Credit Union
How many branches does Tendto Credit Union operate?
Tendto 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 Tendto Credit Union?
Yes, to access services at Tendto 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, Tendto 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, Tendto Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Tendto Credit Union offer online and mobile banking?
Most modern institutions like Tendto 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.tendtocu.com.
Current Tendto Credit Union Rates
12-Month CD3.12%
18-Month CD3.86%
24-Month CD3.51%
60-Month CD3.20%
Savings0.05%
MMA0.70%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
