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Voyage Federal Credit Union

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Voyage Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Voyage Federal Credit Union?

Current rates for Voyage Federal Credit Union include: 12-Month CD: 3.96%, 18-Month CD: 3.96%, 24-Month CD: 3.96%, 60-Month CD: 3.96%

Q: What CD terms does Voyage Federal Credit Union offer?

Voyage Federal Credit Union CD rates are 4.01% APY for a 12 month CD, 4.01% APY for an 18 month CD, 4.01% APY for a 2 year CD, 4.01% APY for a 3 year CD, 4.01% APY for a 4 year CD and 3.96% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Voyage Federal Credit Union for its full lineup.

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

Yes, to access services at Voyage 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Voyage Federal Credit Union's 12 Month CD rates are at 4.01%, 18 Month CD rates are at 4.01%, 24 Month CD rates are at 4.01%, 36 Month CD rates are at 4.01%, 48 Month CD rates are at 4.01%. Voyage Federal Credit Union's Personal Loan Rates are as low as 13.19%. Voyage Federal Credit Union's Credit Card Rates are at 8.88%. Voyage Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Voyage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.29%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.29%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Voyage Federal Credit Union
Main

3823 S Kiwanis Cir
Sioux Falls, SD 57105

https://voyagefcu.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.

Voyage Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Share Certificate	3.94%	4.01%	12 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000 +; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
12 Month Share Certificate	3.94%	4.01%	12 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
18 Month IRA Share Certificate	3.94%	4.01%	18 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000 +; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
18 Month Share Certificate	3.94%	4.01%	18 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
24 Month IRA Share Certificate	3.94%	4.01%	24 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000 +; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
24 Month Share Certificate	3.94%	4.01%	24 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
36 Month IRA Share Certificate	3.94%	4.01%	36 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000 +; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
36 Month Share Certificate	3.94%	4.01%	36 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
48 Month IRA Share Certificate	3.94%	4.01%	48 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000 +; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
48 Month Share Certificate	3.94%	4.01%	48 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
6 Month Share Certificate	3.94%	4.01%	6 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
60 Month IRA Share Certificate	3.94%	4.01%	60 months
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000 +; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
60 Month Share Certificate	3.94%	4.01%	60 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 +; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
12 Month IRA Share Certificate	3.89%	3.96%	12 months
Min Deposit $250 Min Balance $0 Details Balance: Under $10,000; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
12 Month Share Certificate	3.89%	3.96%	12 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
18 Month IRA Share Certificate	3.89%	3.96%	18 months
Min Deposit $250 Min Balance $0 Details Balance: Under $10,000; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
18 Month Share Certificate	3.89%	3.96%	18 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
24 Month IRA Share Certificate	3.89%	3.96%	24 months
Min Deposit $250 Min Balance $0 Details Balance: Under $10,000; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
24 Month Share Certificate	3.89%	3.96%	24 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
36 Month IRA Share Certificate	3.89%	3.96%	36 months
Min Deposit $250 Min Balance $0 Details Balance: Under $10,000; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
36 Month Share Certificate	3.89%	3.96%	36 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
48 Month IRA Share Certificate	3.89%	3.96%	48 months
Min Deposit $250 Min Balance $0 Details Balance: Under $10,000; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
48 Month Share Certificate	3.89%	3.96%	48 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
6 Month Share Certificate	3.89%	3.96%	6 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; Rates are APY-based; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
60 Month IRA Share Certificate	3.89%	3.96%	60 months
Min Deposit $250 Min Balance $0 Details Balance: Under $10,000; $250.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
60 Month Share Certificate	3.89%	3.96%	60 months
Min Deposit $500 Min Balance $0 Details Balance: Under $10,000; $500.00 minimum Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Voyage Federal Credit Union Savings Rates

Product	Rate	APY
IRA Shares	2.75%	2.78%
Min Balance $200,000 Details Balance: $200,000 + Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
IRA Shares	2.55%	2.58%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.58% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
IRA Shares	2.30%	2.32%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.32% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
IRA Shares	1.95%	1.97%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 1.97% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
IRA Shares	1.40%	1.41%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Youth Club	0.05%	0.05%
Min Balance $5 Details Balance: $5 & up Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Voyage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	7.09%	1 - 60 months
Details Model Year: Used (2014-2018); Rate range: 7.09% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Auto Loan	-	-	8.09%	61 - 72 months
Details Model Year: Used (2014-2018); Rate range: 8.09% - 9.09% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Auto Loan	-	-	8.59%	1 - 60 months
Details Model Year: Used (2013-Older); Rate range: 8.59%-17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Auto Loan	-	-	9.09%	61 - 72 months
Details Model Year: Used (2013-Older); Rate range: 9.09%-9.59% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Voyage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & Camper Loan	-	5.49%	1 - 60 months
Details Model Year: New (2022-New); Rate range: 5.49% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	5.59%	61 - 72 months
Details Model Year: New (2022-New); Rate range: 5.59% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	5.69%	1 - 60 months
Details Model Year: Used (2019-2021); Rate range: 5.69% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	5.99%	61 - 72 months
Details Model Year: Used (2019-2021); Rate range: 5.99% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	6.49%	1 - 60 months
Details Model Year: New (2022-New); Rate range: 6.49% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	6.59%	73 - 84 months
Details Model Year: New (2022-New); Rate range: 6.59% - 17.99%; ** Available for $35,000/over Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	6.59%	61 - 72 months
Details Model Year: New (2022-New); Rate range: 6.59% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	6.69%	1 - 60 months
Details Model Year: Used (2019-2021); Rate range: 6.69% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	6.99%	73 - 84 months
Details Model Year: Used (2019-2021); Rate range: 6.99% - 17.99%; ** Available for $35,000/over Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	6.99%	61 - 72 months
Details Model Year: Used (2019-2021); Rate range: 6.99% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	7.09%	1 - 60 months
Details Model Year: Used (2014-2019); Rate range: 7.09% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	7.19%	85-120 months
Details Model Year: New (2022-New); Rate range: 7.19%-17.99%; *** Available for $45,000/over, excludes auto loans Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	7.59%	73 - 84 months
Details Model Year: New (2022-New); Rate range: 7.59% - 17.99%; ** Available for $35,000/over Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	7.99%	73 - 84 months
Details Model Year: Used (2019-2021); Rate range: 7.99% - 17.99%; ** Available for $35,000/over Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	8.09%	61 - 72 months
Details Model Year: Used (2014-2019); Rate range: 8.09% - 9.09% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	8.09%	1 - 60 months
Details Model Year: Used (2014-2018); Rate range: 8.09% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	8.19%	121-180 months
Details Model Year: New (2022-New); Rate range: 8.19%-17.99%; *** Available for $45,000/over, excludes auto loans Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	8.29%	85-120 months
Details Model Year: Used (2019-2021); Rate range: 8.29%-17.99%; *** Available for $45,000/over, excludes auto loans Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	8.59%	1 - 60 months
Details Model Year: Used (2013-Older); Rate range: 8.59% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Boat & Camper Loan	-	9.09%	61 - 72 months
Details Model Year: Used (2013-Older); Rate range: 9.09% - 9.35% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	9.09%	61 - 72 months
Details Model Year: Used (2014-2018); Rate range: 9.09% - 10.09% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	9.59%	1 - 60 months
Details Model Year: Used (2013-Older); Rate range: 9.59% - 17.99%; * $5,000 & under, maximum 48 months Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Motorcycle, ATV & Snowmobile Loan	-	10.09%	61 - 72 months
Details Model Year: Used (2013-Older); Rate range: 10.09%-10.59% Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Voyage Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Platinum Credit Card	-	8.88%
Details Rate range: 8.88%-17.88%; Rates Effective as of: 10/28/2026 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Voyage Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	13.19%	1-36 months
Details Rate range: 13.19% - 17.99%; Rates are APR; Rates Effective as of: 10/28/2026 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 13.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Voyage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Foundation	0.05%	-	0.05%
Min Balance $100 Details Balance: $100 & up; Previously Regular Shares; Dividends apply to accounts with a minimum balance of $100 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Horizon	0.05%	-	0.05%
Min Balance $100 Details Balance: $100 & up; Previously Holiday Club; Dividends apply to horizon/holiday accounts with a minimum balance of $100 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Summit	1.40%	-	1.41%
Min Balance $0 Details Balance: $0 - $9,999.99; Previously Money Market; Dividends apply to accounts with a minimum balance of $100 Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 1.41% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Summit	1.95%	-	1.97%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Previously Money Market Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 1.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Summit	2.30%	-	2.32%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Previously Money Market Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Summit	2.55%	-	2.58%
Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; Previously Money Market Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Summit	2.75%	-	2.78%
Min Balance $200,000 Details Balance: $200,000+; Previously Money Market Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Voyage Federal Credit Union’s Texas Ratio rose from 3.22% in Q3 2023 to 5.29% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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.

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)

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	$285M	5.29%	5.0	A+
March 31, 2026	$282M	4.78%	5.0	A+
December 31, 2025	$273M	4.25%	5.0	A+
September 30, 2025	$268M	5.70%	5.0	A+
June 30, 2025	$261M	8.05%	5.0	A
March 31, 2025	$261M	6.72%	5.0	A
December 31, 2024	$250M	7.96%	5.0	A
September 30, 2024	$247M	6.08%	5.0	A
June 30, 2024	$242M	5.45%	5.0	A+
March 31, 2024	$242M	3.42%	5.0	A+
December 31, 2023	$234M	5.72%	5.0	A+
September 30, 2023	$239M	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 Voyage 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 Voyage 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 Voyage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Voyage Federal Credit Union

Website https://voyagefcu.org

Address 3823 S Kiwanis Cir, Sioux Falls, SD 57105

Phone 605-338-2533

Fax 605-338-2363

President Gerald Heuer

CEO Jeff Schmidt

Full-Time Employees 52

Part-Time Employees 1

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+ (97/100)

Texas Ratio

5.29%

Return on Assets (ROA)

0.4891%

Return on Equity (ROE)

4.8772%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

285,309,094

Total Amount of Shares and Deposits

249,557,389

Total Shares and Deposits < 1 Year

245,762,296

Total Shares and Deposits 1 3 Years

3,162,470

Total Shares and Deposits > 3 Years

632,623

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

18,875,698

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

19,655,282

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

229,902,107

Total Interest Expense (Sum of items 6 8)

2,245,971

Share Certificates

2,478

Number of Accounts for Share Drafts

10,619

IRA KEOGH Accounts

487

Number of Accounts for Regular Shares

19,005

All other shares

3,022

Non Member Deposits

Money Market Shares

1,527

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)

5,565,967

Total Liabilities

255,930,383

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Voyage Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About Voyage Federal Credit Union

Does Voyage Federal Credit Union offer CDs?

Yes. Voyage Federal Credit Union current CD rates include its 12 Month CD at 4.01% APY, its 18 Month CD at 4.01% APY and its 24 Month CD at 4.01% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Voyage Federal Credit Union NCUA insured?

Yes. Voyage 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 Voyage Federal Credit Union?

The highest Voyage Federal Credit Union CD rate is its 12 Month IRA CD at 4.01% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Voyage Federal Credit Union offer?

Voyage Federal Credit Union CD rates are 4.01% APY for a 12 month CD, 4.01% APY for an 18 month CD, 4.01% APY for a 2 year CD, 4.01% APY for a 3 year CD, 4.01% APY for a 4 year CD and 3.96% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Voyage Federal Credit Union for its full lineup.

What is the lowest auto loan rate at Voyage Federal Credit Union?

The lowest Voyage Federal Credit Union auto loan rate is its Auto Loan at 7.09% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Voyage Federal Credit Union?

The lowest Voyage Federal Credit Union personal loan rate is its Personal Loan at 13.19% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Voyage Federal Credit Union?

The lowest Voyage Federal Credit Union credit card APR is its VISA Platinum Credit Card at 8.88% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Voyage Federal Credit Union operate?

Voyage 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 Voyage Federal Credit Union?

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

Does Voyage Federal Credit Union offer online and mobile banking?

Most modern institutions like Voyage 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://voyagefcu.org.

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 Voyage Federal Credit Union rates compare?

Voyage Federal Credit Union's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. Voyage Federal Credit Union's top rates are its 12 Month IRA CD at 4.01% APY, its Personal Loan at 13.19% APR and its VISA Platinum Credit Card at 8.88% APR, verified by MonitorBankRates on October 28, 2026.

Current Voyage Federal Credit Union Rates

12-Month CD3.96%
18-Month CD3.96%
24-Month CD3.96%
60-Month CD3.96%

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

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Voyage Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Voyage Federal Credit Union Texas Ratio

Voyage Federal Credit Union Health Trend

Voyage Federal Credit Union CD Rates

Voyage Federal Credit Union Savings Rates

Voyage Federal Credit Union Auto Loan Rates

Voyage Federal Credit Union RV, Boat and Powersport Loan Rates

Voyage Federal Credit Union Credit Card Rates

Voyage Federal Credit Union Personal Loan Rates

Voyage Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Voyage Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Voyage Federal Credit Union

Does Voyage Federal Credit Union offer CDs?

Are CDs from Voyage Federal Credit Union NCUA insured?

What is the highest CD rate at Voyage Federal Credit Union?

What CD terms does Voyage Federal Credit Union offer?

What is the lowest auto loan rate at Voyage Federal Credit Union?

What is the lowest personal loan rate at Voyage Federal Credit Union?

What is the lowest credit card APR at Voyage Federal Credit Union?

How many branches does Voyage Federal Credit Union operate?

Is a member application needed to join Voyage Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Voyage Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Voyage Federal Credit Union rates compare?

Current Voyage Federal Credit Union Rates

Compare to Other Credit Unions