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Widget Financial Credit Union

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Widget Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at Widget Financial Credit Union?

Current rates for Widget Financial Credit Union include: 12-Month CD: 3.61%, 18-Month CD: 3.61%, 24-Month CD: 3.66%, 60-Month CD: 3.82%, Savings: 0.50%

Q: What CD terms does Widget Financial Credit Union offer?

Widget Financial Credit Union CD rates are 3.61% APY for a 12 month CD, 3.61% APY for an 18 month CD, 3.66% APY for a 2 year CD, 3.87% APY for a 3 year CD, 3.92% APY for a 4 year CD and 3.97% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Widget Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Widget Financial Credit Union's 60 Month CD rates are at 3.97%, 48 Month CD rates are at 3.92%, CD 60 Month rates are at 3.92%, 36 Month CD rates are at 3.87%, CD 48 Month rates are at 3.87%. Widget Financial Credit Union's savings rates are at 0.50%. Widget Financial Credit Union's checking rates are as high as 0.10%. Widget Financial Credit Union's Mortgage rates are at 7.33%. Widget Financial Credit Union's Personal Loan Rates are as low as 7.24%. Widget Financial Credit Union's Credit Card Rates are at 10.00%. Widget Financial Credit Union's top CD rate of 3.97% APY on a 5 year CD is 36% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Widget Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.84%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.84%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Widget Financial Credit Union
East Lake Rd

2154 E Lake Rd
Erie, PA 16511-1140

https://www.widgetfinancial.com

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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.

Widget Financial Credit Union CD Rates

Product	Rate	APY	Term	Min. Deposit
60-Month Share CD	3.90%	3.97%	60 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000; Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 14, 20263.97%▲ from 3.82% Sep 18, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 60-Month	3.90%	3.97%	60 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000 section; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 19, 20263.97%▲ from 3.82% Oct 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48-Month Share CD	3.85%	3.92%	48 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000; Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76% Oct 14, 20263.92%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
60-Month IRA CD	3.85%	3.92%	60 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000 tier; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.92% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 48-Month	3.85%	3.92%	48 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000 section; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76% Oct 19, 20263.92%▲ from 3.76% Oct 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Share CD 60-Month	3.85%	3.92%	60 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000; footnote: Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36-Month Share CD	3.80%	3.87%	36 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000; Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71% Oct 14, 20263.87%▲ from 3.71% Sep 18, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48-Month IRA CD	3.80%	3.87%	48 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000 tier; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.87% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 36-Month	3.80%	3.87%	36 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000 section; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.71% → 3.87% ▲ 0.16 pts · high 3.87% / low 3.71% Oct 19, 20263.87%▲ from 3.71% Oct 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Share CD 48-Month	3.80%	3.87%	48 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000; footnote: Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24-Month Share CD	3.75%	3.82%	24 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000; Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 14, 20263.82%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30-Month Share CD	3.75%	3.82%	30 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000; Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 14, 20263.82%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36-Month IRA CD	3.75%	3.82%	36 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000 tier; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
60-Month Share CD	3.75%	3.82%	60 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 24-Month	3.75%	3.82%	24 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000 section; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 19, 20263.82%▲ from 3.66% Oct 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 30-Month	3.75%	3.82%	30 Month	$125,000
Min Deposit $125,000 Details Minimum Deposit $125,000 section; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 19, 20263.82%▲ from 3.66% Oct 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 60-Month	3.75%	3.82%	60 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Share CD 36-Month	3.75%	3.82%	36 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000; footnote: Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24-Month IRA CD	3.70%	3.76%	24 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000 tier; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30-Month IRA CD	3.70%	3.76%	30 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000 tier; IRA Certificate may be opened with $5 minimum deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48-Month Share CD	3.70%	3.76%	48 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.76% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 48-Month	3.70%	3.76%	48 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Share CD 24-Month	3.70%	3.76%	24 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000; footnote: Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Share CD 30-Month	3.70%	3.76%	30 Month	$75,000
Min Deposit $75,000 Details Minimum Deposit $75,000; footnote: Share Certificates may be opened with $1,000 minimum deposit Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36-Month Share CD	3.65%	3.71%	36 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.71% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 36-Month	3.65%	3.71%	36 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24-Month Share CD	3.60%	3.66%	24 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.66% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30-Month Share CD	3.60%	3.66%	30 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.66% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 24-Month	3.60%	3.66%	24 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 30-Month	3.60%	3.66%	30 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
10-Month Share CD	3.55%	3.61%	10 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
11-Month Share CD	3.55%	3.61%	11 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
12-Month Share CD	3.55%	3.61%	12 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
13-Month Share CD	3.55%	3.61%	13 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
15-Month Share CD	3.55%	3.61%	15 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
18-Month Share CD	3.55%	3.61%	18 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
6-Month Share CD	3.55%	3.61%	6 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
7-Month Share CD	3.55%	3.61%	7 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
8-Month Share CD	3.55%	3.61%	8 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
9-Month Share CD	3.55%	3.61%	9 Month	$1,000
Min Deposit $1,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 10-Month	3.55%	3.61%	10 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 11-Month	3.55%	3.61%	11 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 12-Month	3.55%	3.61%	12 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 13-Month	3.55%	3.61%	13 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 15-Month	3.55%	3.61%	15 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 18-Month	3.55%	3.61%	18 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 6-Month	3.55%	3.61%	6 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 7-Month	3.55%	3.61%	7 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 8-Month	3.55%	3.61%	8 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA CD 9-Month	3.55%	3.61%	9 Month	$5
Min Deposit $5 Details IRA Certificate; Penalty may be applied for early withdrawals Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.50%	0.50%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Savings - Over 25	0.10%	0.10%
Min Balance $50,000 Details balances over $50,000; Balance: over $50,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Savings - Under 25	0.10%	0.10%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Holiday Club	0.01%	0.01%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Savings - Over 25	0.01%	0.01%
Min Balance $500 Details balances under $50,000; Balance: under $50,000; primary account holder over 25 requires $500 minimum daily balance to earn posted dividends Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Special Savings	0.01%	0.01%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Vacation Club	0.01%	0.01%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Checking Rates

Product	Rate	APY	View More
Experience Checking	0.10%	0.10%
Min Balance $1,000 Details Members age 50+; $1000 minimum balance required to earn dividends; certificates held by Experience Members earn 10 basis points over the current certificate rate upon renewal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Mortgage	-	-	7.326%	30 year fixed
Details As Low As; Homepage featured rate Last Updated 10/30/2026 Rate History 4 changes since Sep 27, 2026 · 7.20% → 7.33% ▲ 0.13 pts · high 7.58% / low 7.20% Oct 26, 20267.33%▼ from 7.45% Oct 19, 20267.45%▼ from 7.58% Oct 10, 20267.58%▲ from 7.45% Oct 1, 20267.45%▲ from 7.20% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Years	5.49%	-	5.589%	5 Years
Details As Low As; Fixed Rate; APR includes 1/4% discount for automatic payments and e-statements; Loan must include at least $5,000 new money; Maximum loan $200,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Loan - 10 Years	5.99%	-	6.043%	10 Years
Details As Low As; Fixed Rate; APR includes 1/4% discount for automatic payments and e-statements; Loan must include at least $5,000 new money; Maximum loan $200,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Loan - 8 Years	5.99%	-	6.054%	8 Years
Details As Low As; Fixed Rate; APR includes 1/4% discount for automatic payments and e-statements; Loan must include at least $5,000 new money; Maximum loan $200,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Loan - 15 Years	6.24%	-	6.277%	15 Years
Details As Low As; Fixed Rate; APR includes 1/4% discount for automatic payments and e-statements; Loan must include at least $5,000 new money; Maximum loan $200,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Line of Credit	-	-	7.00%	10-year draw period
Details As Low As; Variable; rate during draw period is WSJ Prime Lending Rate plus a margin Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	6.59%	24 Months
Details As Low As; Model Year: 2025 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.59% ▼ 0.05 pts · high 6.64% / low 6.59% Oct 1, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.59%	36 Months
Details As Low As; Model Year: 2025 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.59% ▼ 0.05 pts · high 6.64% / low 6.59% Oct 14, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.59%	48 Months
Details As Low As; Model Year: 2025 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.59% ▼ 0.05 pts · high 6.64% / low 6.59% Oct 14, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.69%	60-63 Months
Details As Low As; Model Year: 2025 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.69% ▲ 0.05 pts · high 6.69% / low 6.64% Oct 14, 20266.69%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.79%	24 Months
Details As Low As; Model Year: 2023-2024 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.64% → 6.79% ▲ 0.15 pts · high 6.79% / low 6.59% Oct 14, 20266.79%▲ from 6.59% Oct 1, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.79%	36 Months
Details As Low As; Model Year: 2023-2024 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.79% ▲ 0.15 pts · high 6.79% / low 6.64% Oct 14, 20266.79%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.79%	48 Months
Details As Low As; Model Year: 2023-2024 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.79% ▲ 0.15 pts · high 6.79% / low 6.64% Oct 14, 20266.79%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.79%	60-63 Months
Details As Low As; Model Year: 2023-2024 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.79% ▲ 0.15 pts · high 6.79% / low 6.64% Oct 14, 20266.79%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.79%	66 Months
Details As Low As; Model Year: 2025 or newer Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.84% → 6.79% ▼ 0.05 pts · high 6.84% / low 6.79% Oct 14, 20266.79%▼ from 6.84% Sep 14, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.99%	66 Months
Details As Low As; Model Year: 2023-2024 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.84% → 6.99% ▲ 0.15 pts · high 6.99% / low 6.84% Oct 14, 20266.99%▲ from 6.84% Sep 14, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	6.99%	72 Months
Details As Low As; Model Year: 2025 or newer; Minimum loan amount: $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.14% → 6.99% ▼ 0.15 pts · high 7.14% / low 6.99% Oct 14, 20266.99%▼ from 7.14% Sep 14, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.09%	24 Months
Details As Low As; Model Year: 2022 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.64% → 7.09% ▲ 0.45 pts · high 7.09% / low 6.59% Oct 14, 20267.09%▲ from 6.59% Oct 1, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.09%	36 Months
Details As Low As; Model Year: 2022 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.09% ▲ 0.05 pts · high 7.09% / low 7.04% Oct 14, 20267.09%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.09%	48 Months
Details As Low As; Model Year: 2022 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.09% ▲ 0.05 pts · high 7.09% / low 7.04% Oct 14, 20267.09%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.09%	60-63 Months
Details As Low As; Model Year: 2022 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.14% → 7.09% ▼ 0.05 pts · high 7.14% / low 7.09% Oct 14, 20267.09%▼ from 7.14% Sep 14, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.09%	75 Months
Details As Low As; Model Year: 2025 or newer; Minimum loan amount: $12,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.84% → 7.09% ▲ 0.25 pts · high 7.09% / low 6.84% Oct 14, 20267.09%▲ from 6.84% Sep 14, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.19%	72 Months
Details As Low As; Model Year: 2023-2024; Minimum loan amount: $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.14% → 7.19% ▲ 0.05 pts · high 7.19% / low 7.14% Oct 14, 20267.19%▲ from 7.14% Sep 14, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.19%	78 Months
Details As Low As; Model Year: 2025 or newer; Minimum loan amount: $15,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.19% ▲ 0.15 pts · high 7.19% / low 7.04% Oct 14, 20267.19%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.29%	66 Months
Details As Low As; Model Year: 2022 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.29% ▼ 0.05 pts · high 7.34% / low 7.29% Oct 14, 20267.29%▼ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.29%	75 Months
Details As Low As; Model Year: 2023-2024; Minimum loan amount: $12,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.29% ▼ 0.05 pts · high 7.34% / low 7.29% Oct 14, 20267.29%▼ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.49%	24 Months
Details As Low As; Model Year: 2020 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.64% → 7.49% ▲ 0.85 pts · high 7.49% / low 6.59% Oct 14, 20267.49%▲ from 6.59% Oct 1, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.49%	36 Months
Details As Low As; Model Year: 2020 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.64% → 7.49% ▼ 0.15 pts · high 7.64% / low 7.49% Oct 14, 20267.49%▼ from 7.64% Sep 14, 20267.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.49%	48 Months
Details As Low As; Model Year: 2020 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.64% → 7.49% ▼ 0.15 pts · high 7.64% / low 7.49% Oct 14, 20267.49%▼ from 7.64% Sep 14, 20267.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.49%	78 Months
Details As Low As; Model Year: 2023-2024; Minimum loan amount: $15,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.49% ▲ 0.45 pts · high 7.49% / low 7.04% Oct 14, 20267.49%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.49%	84 Months
Details As Low As; Model Year: 2025 or newer; Minimum loan amount: $20,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.49% ▲ 0.45 pts · high 7.49% / low 7.04% Oct 14, 20267.49%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.59%	48 Months
Details As Low As; Model Year: 2019 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.64% → 7.59% ▼ 0.05 pts · high 7.64% / low 7.59% Oct 14, 20267.59%▼ from 7.64% Sep 14, 20267.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.59%	60-63 Months
Details As Low As; Model Year: 2020 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.59% ▼ 0.15 pts · high 7.74% / low 7.59% Oct 14, 20267.59%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.59%	72 Months
Details As Low As; Model Year: 2022; Minimum loan amount: $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.54% → 7.59% ▲ 0.05 pts · high 7.59% / low 7.54% Oct 14, 20267.59%▲ from 7.54% Sep 14, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.79%	66 Months
Details As Low As; Model Year: 2020 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.79% ▲ 0.45 pts · high 7.79% / low 7.34% Oct 14, 20267.79%▲ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.79%	75 Months
Details As Low As; Model Year: 2022; Minimum loan amount: $12,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.34% → 7.79% ▲ 0.45 pts · high 7.79% / low 7.34% Oct 14, 20267.79%▲ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	7.99%	72 Months
Details As Low As; Model Year: 2020; Minimum loan amount: $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.54% → 7.99% ▲ 0.45 pts · high 7.99% / low 7.54% Oct 14, 20267.99%▲ from 7.54% Sep 14, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.09%	24 Months
Details As Low As; Model Year: 2018 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.64% → 8.09% ▲ 1.45 pts · high 8.09% / low 6.59% Oct 14, 20268.09%▲ from 6.59% Oct 1, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.09%	36 Months
Details As Low As; Model Year: 2018 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.04% → 8.09% ▲ 0.05 pts · high 8.09% / low 8.04% Oct 14, 20268.09%▲ from 8.04% Sep 14, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.09%	48 Months
Details As Low As; Model Year: 2018 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.04% → 8.09% ▲ 0.05 pts · high 8.09% / low 8.04% Oct 14, 20268.09%▲ from 8.04% Sep 14, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.19%	60-63 Months
Details As Low As; Model Year: 2018 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.14% → 8.19% ▲ 0.05 pts · high 8.19% / low 8.14% Oct 14, 20268.19%▲ from 8.14% Sep 14, 20268.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.39%	24 Months
Details As Low As; Model Year: 2017 Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.64% → 8.39% ▲ 1.75 pts · high 8.39% / low 6.59% Oct 14, 20268.39%▲ from 6.59% Oct 1, 20266.59%▼ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.49%	36 Months
Details As Low As; Model Year: 2017 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.04% → 8.49% ▲ 0.45 pts · high 8.49% / low 8.04% Oct 14, 20268.49%▲ from 8.04% Sep 14, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.49%	48 Months
Details As Low As; Model Year: 2017 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.04% → 8.49% ▲ 0.45 pts · high 8.49% / low 8.04% Oct 14, 20268.49%▲ from 8.04% Sep 14, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto Loan	-	-	8.59%	60-63 Months
Details As Low As; Model Year: 2017 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.14% → 8.59% ▲ 0.45 pts · high 8.59% / low 8.14% Oct 14, 20268.59%▲ from 8.14% Sep 14, 20268.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicles Loan	-	10.39%
Details As Low As; Rates based on new vehicles, credit worthiness, term, vehicle type, amount, and other conditions. Terms vary. Boat loans: contact credit union for rate. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	10.00%
Details As Low As; No annual fee; No balance transfer fee Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.24%	Up to 12 months
Details As Low As; Rates based on credit worthiness, term and other conditions. APR includes relationship discount when you have e-statements and automatic payments. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	7.74%	13-24 months
Details As Low As; Rates based on credit worthiness, term and other conditions. APR includes relationship discount when you have e-statements and automatic payments. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	8.24%	25-36 months
Details As Low As; Rates based on credit worthiness, term and other conditions. APR includes relationship discount when you have e-statements and automatic payments. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	8.74%	37-48 months
Details As Low As; Rates based on credit worthiness, term and other conditions. APR includes relationship discount when you have e-statements and automatic payments. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	9.24%	49-60 months
Details As Low As; Rates based on credit worthiness, term and other conditions. APR includes relationship discount when you have e-statements and automatic payments. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Line of Credit - Revolving Line	9.95%
Details As Low As; Revolving Line; Rate based on creditworthiness. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

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.
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Financial Health History

Widget Financial Credit Union’s Texas Ratio stayed near 2.13% in Q3 2023 to 1.84% 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	$480M	1.84%	5.0	A+
March 31, 2026	$485M	2.14%	5.0	A+
December 31, 2025	$467M	2.25%	5.0	A+
September 30, 2025	$463M	2.40%	5.0	A+
June 30, 2025	$459M	1.55%	5.0	A+
March 31, 2025	$462M	2.52%	5.0	A+
December 31, 2024	$440M	2.29%	5.0	A+
September 30, 2024	$431M	2.54%	5.0	A+
June 30, 2024	$437M	1.98%	5.0	A+
March 31, 2024	$439M	1.71%	5.0	A+
December 31, 2023	$428M	2.44%	5.0	A+
September 30, 2023	$422M	2.13%	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 Widget Financial 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 Widget Financial 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 Widget Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Widget Financial Credit Union

Website https://www.widgetfinancial.com

Address 2154 E Lake Rd, Erie, PA 16511-1140

Phone 814-456-6231

Fax 814-875-4600

President Marko Jovanovich

CEO Matthew Margosian

Full-Time Employees 117

Part-Time Employees 2

Branch Locations 9

ATM Locations 8

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

1.84%

Return on Assets (ROA)

0.3435%

Return on Equity (ROE)

3.2084%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

480,324,668

Total Amount of Shares and Deposits

428,061,117

Total Shares and Deposits < 1 Year

407,948,774

Total Shares and Deposits 1 3 Years

17,665,682

Total Shares and Deposits > 3 Years

2,446,662

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

13,012,877

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

13,012,877

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

415,048,240

Total Interest Expense (Sum of items 6 8)

2,818,730

Share Certificates

2,660

Number of Accounts for Share Drafts

27,980

IRA KEOGH Accounts

728

Number of Accounts for Regular Shares

47,041

Money Market Shares

372

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)

35,044,329

Total Liabilities

429,649,949

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Widget Financial 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.

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  <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

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Frequently Asked Questions About Widget Financial Credit Union

Does Widget Financial Credit Union offer CDs?

Yes. Widget Financial Credit Union current CD rates include its 60 Month CD at 3.97% APY, its 48 Month CD at 3.92% APY and its CD 60 Month at 3.92% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Widget Financial Credit Union NCUA insured?

Yes. Widget Financial 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 Widget Financial Credit Union?

The highest Widget Financial Credit Union CD rate is its 60 Month CD at 3.97% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Widget Financial Credit Union offer?

Widget Financial Credit Union CD rates are 3.61% APY for a 12 month CD, 3.61% APY for an 18 month CD, 3.66% APY for a 2 year CD, 3.87% APY for a 3 year CD, 3.92% APY for a 4 year CD and 3.97% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Widget Financial Credit Union for its full lineup.

What is the highest savings rate at Widget Financial Credit Union?

The highest Widget Financial Credit Union savings rate is its Health Savings Account at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Widget Financial Credit Union?

The highest Widget Financial Credit Union checking rate is its Experience Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Widget Financial Credit Union?

The lowest Widget Financial Credit Union mortgage rate is its Mortgage at 7.326% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Widget Financial Credit Union?

The lowest Widget Financial Credit Union auto loan rate is its Auto Loan at 6.59% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Widget Financial Credit Union?

The lowest Widget Financial Credit Union personal loan rate is its Personal Loan at 7.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Widget Financial Credit Union?

The lowest Widget Financial Credit Union credit card APR is its Visa Platinum Credit Card at 10.00% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Widget Financial Credit Union operate?

Widget Financial 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 Widget Financial Credit Union?

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

Does Widget Financial Credit Union offer online and mobile banking?

Most modern institutions like Widget Financial 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.widgetfinancial.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 Widget Financial Credit Union rates compare?

Widget Financial Credit Union's top CD rate of 3.97% APY on a 5 year CD is 36% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. Widget Financial Credit Union's top rates are its 60 Month CD at 3.97% APY, its Health Savings Account at 0.50% APY, its Experience Checking at 0.10% APY, its Mortgage at 7.326%, its Personal Loan at 7.24% APR and its Visa Platinum Credit Card at 10.00% APR, verified by MonitorBankRates on October 30, 2026.

Current Widget Financial Credit Union Rates

12-Month CD3.61%
18-Month CD3.61%
24-Month CD3.66%
60-Month CD3.82%
Savings0.50%

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

Compare to Other Credit Unions

Widget Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Widget Financial Credit Union Texas Ratio

Widget Financial Credit Union Health Trend

Widget Financial Credit Union CD Rates

Widget Financial Credit Union Savings Rates

Widget Financial Credit Union Checking Rates

Widget Financial Credit Union Mortgage Rates

Widget Financial Credit Union Home Equity & HELOC

Widget Financial Credit Union Auto Loan Rates

Widget Financial Credit Union RV, Boat and Powersport Loan Rates

Widget Financial Credit Union Credit Card Rates

Widget Financial Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Widget Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Widget Financial Credit Union

Does Widget Financial Credit Union offer CDs?

Are CDs from Widget Financial Credit Union NCUA insured?

What is the highest CD rate at Widget Financial Credit Union?

What CD terms does Widget Financial Credit Union offer?

What is the highest savings rate at Widget Financial Credit Union?

What is the highest checking rate at Widget Financial Credit Union?

What is the lowest mortgage rate at Widget Financial Credit Union?

What is the lowest auto loan rate at Widget Financial Credit Union?

What is the lowest personal loan rate at Widget Financial Credit Union?

What is the lowest credit card APR at Widget Financial Credit Union?

How many branches does Widget Financial Credit Union operate?

Is a member application needed to join Widget Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Widget Financial 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 Widget Financial Credit Union rates compare?

Current Widget Financial Credit Union Rates

Compare to Other Credit Unions