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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Transcend Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 29, 2026
Transcend Credit Union's savings rates are at 0.05%. Transcend Credit Union's 10 Year Fixed rates are at 5.12%, 15 Year Fixed rates are at 5.25%, 20 Year Fixed rates are at 5.62%, 30 Year Fixed rates are at 6.00%. MonitorBankRates evaluates the financial stability of Transcend Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.92%. Rates were last updated on 03/29/2026. Transcend 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 Transcend Credit Union? Share your experience about Transcend Credit Union by leaving a review below, or read customer reviews before you decide to use Transcend Credit Union. Transcend Credit Union
Main Office 3740 Bardstown Rd
https://www.transcendcu.com Louisville, KY 40218 2209 
Transcend Credit Union Savings Rates
Transcend Credit Union Checking Rates
Transcend Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Transcend 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 Transcend 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 Transcend Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Transcend Credit Union
Website
https://www.transcendcu.com
Address
3740 Bardstown Rd,
Louisville, KY 40218 2209
Phone
502-459-3000
Fax
President
Mark Booker
CEO
Richard Reese
Full-Time Employees
65
Part-Time Employees
5
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.92%
Return on Assets (ROA)
0.8104%
Return on Equity (ROE)
6.1762%
Non-Performing Loans Ratio (NPL)
0.16%
Total Assets
557,242,539
Total Amount of Shares and Deposits
457,019,966
Total Shares and Deposits < 1 Year
416,766,942
Total Shares and Deposits 1 3 Years
33,441,231
Total Shares and Deposits > 3 Years
6,811,793
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
49,400,883
Total Uninsured Shares and Deposits > $250K (F+J)
49,400,883
Total Insured Shares and Deposits > $250K (item 17 less item K)
407,619,083
Total Interest Expense (Sum of items 6 8)
8,494,332
Share Certificates
2,958
Number of Accounts for Share Drafts
17,187
IRA KEOGH Accounts
1,124
Number of Accounts for Regular Shares
48,644
All other shares
831
Money Market Shares
173
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
31,988,409
Total Liabilities
484,122,134
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Transcend Credit UnionIs Transcend Credit Union a safe place to deposit money?Yes, Transcend Credit Union is considered a safe financial institution. With a Texas Ratio of 0.92215540919766%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Transcend Credit Union operate?Transcend 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 Transcend Credit Union?Yes, to access services at Transcend 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, Transcend 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, Transcend Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Transcend Credit Union offer online and mobile banking?Most modern institutions like Transcend 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.transcendcu.com. Current Transcend Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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