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Triangle Federal Credit Union Rates & Review September 2026

Triangle Federal Credit Union's 12 Month CD rates are at 4.00%, 18 Month CD rates are at 4.00%, 6 Month CD rates are at 4.00%, 24 Month CD rates are at 3.25%, 36 Month CD rates are at 3.25%. Triangle Federal Credit Union's savings rates are at 0.05%. Triangle Federal Credit Union's money market rates are at 0.20%. Triangle Federal Credit Union's Personal Loan Rates are as low as 8.00%. Triangle Federal Credit Union's Credit Card Rates are at 6.90%. MonitorBankRates evaluates the financial stability of Triangle Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.62%. Rates last updated and verified on 09/21/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.62%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Triangle Federal Credit Union
Main Office - CAFB
160 Simler Blvd
Columbus, MS 39710-6802
https://www.trianglefcu.com
Member NCUA

Triangle Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Share Certificate 4.00% 4.00% 12 Months
Min Deposit $10,000
Details Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
18 Month Share Certificate 4.00% 4.00% 18 Months
Min Deposit $1,000
Details Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
6 Month Share Certificate 4.00% 4.00% 6 Month JUMBO
Min Deposit $50,000
Details Dividends Compounded & Paid: At Maturity
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
24 Month Share Certificate 3.25% 3.25% 24 Months
Min Deposit $1,000
Details Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
36 Month Share Certificate 3.25% 3.25% 36 Month
Min Deposit $1,000
Details Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.05% 0.05%
Min Deposit $25
Details Dividends Compounded & Paid: Quarterly on average daily balance of $100 or more
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
Regular Share Savings 0.05% 0.05%
Min Deposit $1
Details Dividends Compounded & Paid: Quarterly on average daily balance of $100 or more
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 0.50% 0.50%
Min Deposit $2,500
Min Balance $100,000
Details Balance: $100,000 +; Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
Money Market Account 0.40% 0.40%
Min Deposit $2,500
Min Balance $50,000
Details Balance: $50,000 - $99,999.99; Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
Money Market Account 0.30% 0.30%
Min Deposit $2,500
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
Money Market Account 0.20% 0.20%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500 - $19,999.99; Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Checking Rates

Product Rate APY View More
Checking 0.05% 0.05%
Min Deposit $24
Details Dividends Compounded & Paid: Monthly on average daily balance of $500 or more***
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto (New and Used) 4.00% - 4.00% up to 84 Months
Details Published rate range: 4.00% - 18.00%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Card 6.90% 6.90%
Details Published rate range: 6.90% - 16.90%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature 8.00% up to 60 Months
Details Published rate range: 8.00% - 17.00%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Triangle Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA 0.75% - 0.75%
Min Deposit $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%
ROTH IRA 1.00% - 1.00%
Min Deposit $500
Details Dividends Compounded & Paid: Quarterly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.62%

Financial Health History

Triangle Federal Credit Union’s Texas Ratio rose from 2.62% in Q2 2023 to 7.62% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.62% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A Q4 2025 7.62% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$126M7.62%5.0A
December 31, 2025$118M6.98%5.0A
September 30, 2025$116M5.13%5.0A+
June 30, 2025$117M3.51%5.0A+
March 31, 2025$117M3.83%5.0A+
December 31, 2024$112M4.13%5.0A+
September 30, 2024$113M2.09%5.0A+
June 30, 2024$110M2.24%5.0A+
March 31, 2024$110M3.06%5.0A+
December 31, 2023$109M4.87%5.0A+
September 30, 2023$109M3.41%5.0A+
June 30, 2023$112M2.62%5.0A+
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 Triangle 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 Triangle 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 Triangle Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Triangle Federal Credit Union
Address 160 Simler Blvd, Columbus, MS 39710-6802
Phone 662-434-6052
Fax 662-434-8406
President Debra Ragon
CEO Kimberly Guyton
Full-Time Employees 37
Part-Time Employees 3
Branch Locations 5
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.62%
Return on Assets (ROA)
0.2954%
Return on Equity (ROE)
2.6264%
Non-Performing Loans Ratio (NPL)
1.71%
Total Assets
125,580,244
Total Amount of Shares and Deposits
112,203,993
Total Shares and Deposits < 1 Year
110,376,813
Total Shares and Deposits 1 3 Years
1,784,401
Total Shares and Deposits > 3 Years
42,779
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,060,543
Total Uninsured Shares and Deposits > $250K (F+J)
3,060,543
Total Insured Shares and Deposits > $250K (item 17 less item K)
109,143,450
Total Interest Expense (Sum of items 6 8)
160,892
Share Certificates
312
Number of Accounts for Share Drafts
6,404
IRA KEOGH Accounts
96
Number of Accounts for Regular Shares
11,663
All other shares
532
Money Market Shares
2
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)
22,574,839
Total Liabilities
112,837,690
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Triangle 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/triangle-federal-credit-union-rates-review-13334">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Triangle Federal Credit Union

How many branches does Triangle Federal Credit Union operate?

Triangle 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 Triangle Federal Credit Union?

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

Does Triangle Federal Credit Union offer online and mobile banking?

Most modern institutions like Triangle 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.trianglefcu.com.

Current Triangle Federal Credit Union Rates

  • 12-Month CD4.00%
  • 18-Month CD4.00%
  • 24-Month CD3.25%
  • Savings0.05%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.