What are the current interest rates at Wildfire Credit Union?

Current rates for Wildfire Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.45%, 24-Month CD: 3.45%, 60-Month CD: 3.55%, Savings: 2.10%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Wildfire Credit Union

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Wildfire Credit Union Rates & Review October 2026

Q: How many branches does Wildfire Credit Union operate?

Wildfire 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.

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

Yes, to access services at Wildfire 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.

Q: Is there a first-time homebuyer program?

Currently, Wildfire 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wildfire Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Wildfire Credit Union's top rates as of October 9, 2026 are 4.11% APY on its 9 Month Jumbo IRA CD Special, 2.10% APY on savings, 5.00% APY on checking, 7.12% on its Fixed Mortgage - 15 Year Fixed, personal loans from 10.99% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Wildfire Credit Union CD rates include Jumbo Business CD Specials - 9 Month Special at 4.11%, Jumbo CD Specials 9 Month Special at 4.11%, and Jumbo HSA CD Special 9 Month Special at 4.11%. Other Wildfire Credit Union mortgage rates include Fixed Mortgage - 10 Year Fixed at 7.12%, Fixed Mortgage - 30 Year Fixed at 7.50%, and Fixed Mortgage - 20 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Wildfire Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wildfire Credit Union
Wildfire Credit Union

6640 Bay Rd
Saginaw, MI 48604

https://www.wildfirecu.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.

Wildfire Credit Union CD Rates

Product	Rate	APY	Term
9 Month Jumbo IRA Certificate Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo Certificate Specials 9 Month Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Jumbo HSA Certificate Special 9 Month Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Jumbo Certificates	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Jumbo HSA Certificate	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Jumbo IRA Certificate	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Jumbo Certificates	3.994%	4.07%	60 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Jumbo HSA Certificate	3.994%	4.07%	60 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Jumbo IRA Certificate	3.994%	4.07%	60 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Jumbo Certificates	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Jumbo HSA Certificate	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Jumbo IRA Certificate	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
9 Month Certificate Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HSA Certificate 9 Month Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Certificate Specials - 9 Month Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Jumbo Certificates	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Jumbo HSA Certificate	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Jumbo IRA Certificate	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Youth Certificate	3.647%	3.71%	12 Month
Min Balance $100 Details Must be 25 or younger. $2,000 maximum deposit. Deposits: $50 Increments. Up to 10 Youth CD's per youth account. APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Jumbo Certificates	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Jumbo HSA Certificate	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Jumbo IRA Certificate	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Jumbo Certificates	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Jumbo HSA Certificate	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Jumbo IRA Certificate	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Jumbo Certificates	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Jumbo HSA Certificate	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Jumbo IRA Certificate	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 Month Youth Certificate	3.598%	3.66%	6 Month
Min Balance $100 Details Must be 25 or younger. $2,000 maximum deposit. Deposits: $50 Increments. Up to 10 Youth CD's per youth account. APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Certificate	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month HSA Certificate	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month IRA Certificate	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month CD	-	3.55%	60 months
Details One-time rate bump on 60 month term Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Certificate	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month HSA Certificate	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month IRA Certificate	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Certificate	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month HSA Certificate	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month IRA Certificate	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Certificate	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month HSA Certificate	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month IRA Certificate	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Certificate	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month HSA Certificate	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month IRA Certificate	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Certificate	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month HSA Certificate	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month IRA Certificate	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Certificate	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month HSA Certificate	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month IRA Certificate	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Business CD Rates

Product	Rate	APY	Term
Jumbo Business Certificate Specials - 9 Month Special	4.034%	4.11%	9 Month
Min Balance $100,000 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Jumbo Business Certificates	3.994%	4.07%	48 to 59 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Jumbo Business Certificates	3.994%	4.07%	60 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Jumbo Business Certificates	3.945%	4.02%	36 to 47 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business 9 Month Special	3.784%	3.85%	9 Month
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Jumbo Business Certificates	3.647%	3.71%	12 to 17 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Jumbo Business Certificates	3.647%	3.71%	18 to 23 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Jumbo Business Certificates	3.598%	3.66%	24 to 35 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Jumbo Business Certificates	3.598%	3.66%	6 to 11 months
Min Balance $100,000 Details Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 - 59 Month Business Certificates	3.494%	3.55%	48 - 59 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Business Certificates	3.494%	3.55%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 - 47 Month Business Certificates	3.445%	3.50%	36 - 47 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 - 17 Month Business Certificates	3.397%	3.45%	12 - 17 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
18 - 23 Month Business Certificates	3.397%	3.45%	18 - 23 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 - 35 Month Business Certificates	3.348%	3.40%	24 - 35 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 - 11 Month Business Certificates	3.348%	3.40%	6 - 11 Months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	2.08%	2.10%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and more; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.884%	1.90%
Min Balance $500,000 Details Balance: $500,000.00 to $999,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.638%	1.65%
Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.342%	1.35%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.193%	1.20%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High-Yield Savings	1.094%	1.10%
Min Balance $1,000 Details Balance: $1,000.00 to $24,999.99; A minimum balance of $1,000 is required to open the account and earn the stated APY. Other restrictions apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.26%	0.26%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 and more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.24%	0.24%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500.00 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.24% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.22%	0.22%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000.00 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.22% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Health Savings Account (HSA)	0.20%	0.20%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 to $999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Extra Savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Scouts Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Business Savings Rates

Product	Rate	APY
Business High Yield Savings	2.08%	2.10%
Min Balance $1,000,000 Details Balances of $1,000,000.00 and more; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High Yield Savings	1.884%	1.90%
Min Balance $500,000 Details Balances from $500,000.00 to $999,999.99; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High Yield Savings	1.638%	1.65%
Min Balance $250,000 Details Balances from $250,000.00 to $499,999.99; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High Yield Savings	1.49%	1.50%
Min Balance $100,000 Details Balances from $100,000.00 to $249,999.99; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High Yield Savings	1.342%	1.35%
Min Balance $50,000 Details Balances from $50,000.00 to $99,999.99; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High Yield Savings	1.193%	1.20%
Min Balance $25,000 Details Balances from $25,000.00 to $49,999.99; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business High Yield Savings	1.094%	1.10%
Min Balance $1,000 Details Balances from $1,000.00 to $24,999.99; Dividends are compounded & credited monthly. Other restrictions apply. Call the credit union for complete disclosures. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business Extra Savings	0.05%	0.05%
Min Deposit $0 Min Balance $1 Details Dividends are compounded & credited quarterly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Business Membership Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Dividends are compounded & credited quarterly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Checking Rates

Product	Rate	APY
Blaze Checking	4.889%	5.00%
Min Balance $0 Details Qualifications Required: Must be enrolled in paperless statements; Have $750 ACH deposits per month; Use your Wildfire Debit Card or Credit Card at least twenty-five times per month, excluding ATMs, to earn stated APY; Account Balance up to $10,000 earns 5.000% APY. The 5.000% APY applies only to the first $10,000 in your account. Any portion of the balance over $10,000 earns 0.100% APY. For example, if your balance is $12,000, the first $10,000 earns 5.000% APY and the remaining $2,000 earns 0.100% APY. Only one checking per membership account. Balance: $0 to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Blaze Checking	0.10%	0.10%
Min Balance $10,001 Details Qualifications Required: Must be enrolled in paperless statements; Have $750 ACH deposits per month; Use your Wildfire Debit Card or Credit Card at least twenty-five times per month, excluding ATMs, to earn stated APY; Account Balance up to $10,000 earns 5.000% APY. The 5.000% APY applies only to the first $10,000 in your account. Any portion of the balance over $10,000 earns 0.100% APY. For example, if your balance is $12,000, the first $10,000 earns 5.000% APY and the remaining $2,000 earns 0.100% APY. Only one checking per membership account. Balance: $10,001 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Blaze Checking	0.01%	0.01%
Min Balance $0 Details Account Balance up to $10,000 earns 5.000% APY. The 5.000% APY applies only to the first $10,000 in your account. Any portion of the balance over $10,000 earns 0.100% APY. For example, if your balance is $12,000, the first $10,000 earns 5.000% APY and the remaining $2,000 earns 0.100% APY. Only one checking per membership account. Balance: $0 to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Blaze Checking	0.01%	0.01%
Min Balance $10,001 Details Account Balance up to $10,000 earns 5.000% APY. The 5.000% APY applies only to the first $10,000 in your account. Any portion of the balance over $10,000 earns 0.100% APY. For example, if your balance is $12,000, the first $10,000 earns 5.000% APY and the remaining $2,000 earns 0.100% APY. Only one checking per membership account. Balance: $10,001 and up Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.01% ▼ 0.09 pts · high 0.10% / low 0.01% Sep 18, 20260.01%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Business Checking Rates

Product	Rate	APY
Ultimate Business Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Ultimate Business Checking	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Mortgage - 15 Year Fixed	7.125%	-	7.307%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.61% → 7.31% ▲ 0.70 pts · high 7.31% / low 6.61% Oct 9, 20267.31%▲ from 7.08% Sep 29, 20267.08%▲ from 6.84% Sep 21, 20266.84%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Mortgage - 10 Year Fixed	7.125%	-	7.38%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.71% → 7.38% ▲ 0.67 pts · high 7.38% / low 6.71% Oct 9, 20267.38%▲ from 7.16% Sep 29, 20267.16%▲ from 6.80% Sep 21, 20266.80%▲ from 6.71% Sep 14, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Mortgage - 30 Year Fixed	7.50%	-	7.616%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.03% → 7.62% ▲ 0.59 pts · high 7.62% / low 7.03% Oct 9, 20267.62%▲ from 7.51% Sep 29, 20267.51%▲ from 7.26% Sep 21, 20267.26%▲ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Mortgage - 20 Year Fixed	7.50%	-	7.65%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.07% → 7.65% ▲ 0.58 pts · high 7.65% / low 7.07% Oct 9, 20267.65%▲ from 7.54% Sep 29, 20267.54%▲ from 7.18% Sep 21, 20267.18%▲ from 7.07% Sep 14, 20267.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Balloon Mortgage	8.125%	-	8.582%	15 Years
Details 3-Year Balloon; Balloon repayment and option to refinance example: If you borrow $50,000 at 8.582% APR for a 180 month amortization, 36 month balloon term, you will make 35 payments of approximately $481.44 and one final payment of approximately $44,678.03. All or a portion of the final payment may be refinanced with qualifying credit worthiness. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.58% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	7.00%	-	7.00%	10 year
Details Term: 10 year draw period, 25 year amortization period; Maximum rate 18%. Additional charges may apply. APR is variable and reviewed monthly. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 21, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Loan	7.00%	-	7.212%	20 year
Details Term: 20 year amortization; 5-year balloon; Loan amounts less than or equal to 80.00% Loan to Value. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.21% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Loan	7.50%	-	7.724%	20 year
Details Term: 20 year amortization; 5-year balloon; Loan amounts greater than or equal to 80.00% to 90.00% Loan to Value, appraisal may be required. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.72% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos 2018 - Newer	-	-	5.09%	12 to 60 Months
Details As Low As; Rates are based on the applicant(s) credit score. Credit terms for loans secured by autos may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.09% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Autos Any Model Year	-	-	5.09%	12 to 48 Months
Details As Low As; Rates are based on the applicant(s) credit score. Credit terms for loans secured by autos may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.09% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Autos 2021 - Newer	-	-	5.24%	61 to 72 Months
Details As Low As; Rates are based on the applicant(s) credit score. Credit terms for loans secured by autos may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Autos 2022 - Newer	-	-	5.75%	73 to 84 Months
Details As Low As; Rates are based on the applicant(s) credit score. Credit terms for loans secured by autos may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles 2018 - Newer Loan	-	5.09%	12 to 60 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit terms for loans secured by motorcycles may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.09% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycles Any Model Year Loan	-	5.09%	12 to 48 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit terms for loans secured by motorcycles may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.09% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycles 2021 - Newer Loan	-	5.24%	61 to 72 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit terms for loans secured by motorcycles may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycles 2022 - Newer Loan	-	5.75%	73 to 84 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit terms for loans secured by motorcycles may require up to a 20% down payment, based on credit worthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.49%	Up to 60 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit Terms for loans secured by a Boat/RV may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.59%	0 to 36 Months
Details As low as; Based on maximum term. Rates are based on the applicant(s) credit score. Loans are based on credit approval. Rates are subject to change without notice. Credit Terms for Loans secured by your vehicle may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.63%	61 to 84 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit Terms for loans secured by a Boat/RV may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.63% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.69%	37 to 48 Months
Details As low as; Based on maximum term. Rates are based on the applicant(s) credit score. Loans are based on credit approval. Rates are subject to change without notice. Credit Terms for Loans secured by your vehicle may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.79%	49 to 60 Months
Details As low as; Based on maximum term. Rates are based on the applicant(s) credit score. Loans are based on credit approval. Rates are subject to change without notice. Credit Terms for Loans secured by your vehicle may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.89%	61 to 84 Months
Details As low as; Based on maximum term. Rates are based on the applicant(s) credit score. Loans are based on credit approval. Rates are subject to change without notice. Credit Terms for Loans secured by your vehicle may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.89% ▲ 0.26 pts · high 6.89% / low 6.63% Sep 21, 20266.89%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	6.99%	85 to 120 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit Terms for loans secured by a Boat/RV may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Boat/RV Loan	-	7.24%	121 to 180 Months
Details As low as; Rates are based on the applicant(s) credit score. Credit Terms for loans secured by a Boat/RV may require a maximum 20% down payment. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Credit Card Rates

Product	Rate	APR
Commercial Visa	-	10.99%
Details Variable Rate that may change with market Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Personal Credit Card	-	10.99%
Details Variable rate that may change with market. Rates are based on the applicant(s) credit score. Rates are subject to change. Loans are based on credit approval. No U.S. transaction, membership, activity, or participation fees. International transaction fees are charged. This fee applies to any Visa credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 10.99% → 10.99% ▼ 0.00 pts · high 19.99% / low 10.99% Oct 9, 202610.99%▼ from 19.99% Sep 29, 202619.99%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Signature Credit Card	-	15.24%
Details Variable rate that may change with market. Rates are based on the applicant(s) credit score. Rates are subject to change. Loans are based on credit approval. No U.S. transaction, membership, activity, or participation fees. International transaction fees are charged. This fee applies to any Visa credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 15.24% → 15.24% ▼ 0.00 pts · high 19.99% / low 15.24% Oct 9, 202615.24%▼ from 19.99% Sep 29, 202619.99%▲ from 15.24% Sep 14, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Business Platinum	-	22.99%
Details Variable Rate that may change with market Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 22.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.99%	Up to 60 Months
Details As Low As; Based on credit approval. Rates are subject to change without notice. Call the credit union for current rate. Rates are based on the applicant's credit score. There are no transaction, membership, activity, or participation fees. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Personal Credit Card	10.99%
Details Variable rate that may change with market. Rates are based on the applicant(s) credit score. Rates are subject to change. Loans are based on credit approval. No U.S. transaction, membership, activity, or participation fees. International transaction fees are charged. This fee applies to any Visa credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 10.99% → 10.99% ▼ 0.00 pts · high 19.99% / low 10.99% Oct 9, 202610.99%▼ from 19.99% Sep 29, 202619.99%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Debt Consolidation Loan	11.49%	Up to 84 Months
Details Based on credit approval. Rates are subject to change without notice. Call the credit union for current rate. Rates are based on the applicant's credit score. There are no transaction, membership, activity, or participation fees. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Visa Signature Credit Card	15.24%
Details Variable rate that may change with market. Rates are based on the applicant(s) credit score. Rates are subject to change. Loans are based on credit approval. No U.S. transaction, membership, activity, or participation fees. International transaction fees are charged. This fee applies to any Visa credit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 15.24% → 15.24% ▼ 0.00 pts · high 19.99% / low 15.24% Oct 9, 202615.24%▼ from 19.99% Sep 29, 202619.99%▲ from 15.24% Sep 14, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Wildfire Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-Year Balloon Loan	7.50%	-	7.67%	30 Years
Details Balloon repayment and option to refinance example: If you borrow $120,000 at 7.400% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $808.46 and one final payment of approximately $113,916.16. All or a portion of the final payment may be refinanced with qualifying credit worthiness. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.10% → 7.67% ▲ 0.57 pts · high 7.67% / low 7.10% Oct 9, 20267.67%▲ from 7.57% Sep 29, 20267.57%▲ from 7.33% Sep 21, 20267.33%▲ from 7.10% Sep 14, 20267.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
5-Year Balloon Loan	7.125%	-	7.40%	30 Years
Details Balloon repayment and option to refinance example: If you borrow $120,000 at 7.400% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $808.46 and one final payment of approximately $113,916.16. All or a portion of the final payment may be refinanced with qualifying credit worthiness. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.73% → 7.40% ▲ 0.67 pts · high 7.40% / low 6.73% Oct 9, 20267.40%▲ from 7.18% Sep 29, 20267.18%▲ from 6.95% Sep 21, 20266.95%▲ from 6.73% Sep 14, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
7-Year Balloon Loan	7.25%	-	7.491%	30 Years
Details Balloon repayment and option to refinance example: If you borrow $120,000 at 7.400% APR for a 360-month amortization, 60-month balloon term, you will make 59 payments of approximately $808.46 and one final payment of approximately $113,916.16. All or a portion of the final payment may be refinanced with qualifying credit worthiness. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.79% → 7.49% ▲ 0.70 pts · high 7.49% / low 6.79% Sep 29, 20267.49%▲ from 7.26% Sep 21, 20267.26%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Prestige Line of Credit	-	-	8.90%
Details All rates listed are the Annual Percentage Rate (APR). Loans are based on credit approval. Rates are subject to change without notice. Call the credit union for current rate. There are no transaction, membership, activity, or participation fees. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Qwik Check Line of Credit	-	-	12.60%
Details All rates listed are the Annual Percentage Rate (APR). Loans are based on credit approval. Rates are subject to change without notice. Call the credit union for current rate. There are no transaction, membership, activity, or participation fees. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.60% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
IRA Accounts	0.499%	-	0.50%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Youth CD	-	-	3.71%
Details Ages 25 and under. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

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

Wildfire Credit Union’s Texas Ratio rose from 1.28% in Q3 2023 to 3.16% 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	$1.2B	3.16%	5.0	A+
March 31, 2026	$1.2B	2.57%	5.0	A+
December 31, 2025	$1.2B	3.06%	5.0	A+
September 30, 2025	$1.2B	3.64%	5.0	A+
June 30, 2025	$1.1B	3.81%	5.0	A+
March 31, 2025	$1.1B	2.41%	5.0	A+
December 31, 2024	$1.1B	2.92%	5.0	A+
September 30, 2024	$1.1B	2.46%	5.0	A+
June 30, 2024	$1.1B	2.11%	5.0	A+
March 31, 2024	$1.1B	1.26%	5.0	A+
December 31, 2023	$1.1B	1.57%	5.0	A+
September 30, 2023	$1.0B	1.28%	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 Wildfire 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 Wildfire 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 Wildfire Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wildfire Credit Union

Website https://www.wildfirecu.org

Address 6640 Bay Rd, Saginaw, MI 48604

Phone 989-249-8200

Fax

President Kenneth Voelker

CEO Benjamin Denay

Full-Time Employees 196

Part-Time Employees 20

Branch Locations 7

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+ (98/100)

Texas Ratio

3.16%

Return on Assets (ROA)

0.2938%

Return on Equity (ROE)

2.6820%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

1,203,482,017

Total Amount of Shares and Deposits

1,067,544,000

Total Shares and Deposits < 1 Year

883,316,330

Total Shares and Deposits 1 3 Years

141,248,801

Total Shares and Deposits > 3 Years

42,978,869

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

116,633,041

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

116,633,041

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

950,910,959

Total Interest Expense (Sum of items 6 8)

11,947,923

Share Certificates

11,424

Number of Accounts for Share Drafts

35,804

IRA KEOGH Accounts

3,275

Number of Accounts for Regular Shares

67,949

All other shares

3,053

Money Market Shares

4,866

Net Income (unless the amount is already included in Undivided Earnings)

3,535,879

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)

64,867,043

Total Liabilities

1,075,025,125

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Wildfire Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Wildfire Credit Union

How many branches does Wildfire Credit Union operate?

Wildfire 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 Wildfire Credit Union?

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

Does Wildfire Credit Union offer online and mobile banking?

Most modern institutions like Wildfire 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.wildfirecu.org.

Current Wildfire Credit Union Rates

12-Month CD3.40%
18-Month CD3.45%
24-Month CD3.45%
60-Month CD3.55%
Savings2.10%

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

Compare to Other Credit Unions

Wildfire Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wildfire Credit Union Texas Ratio

Wildfire Credit Union Health Trend

Wildfire Credit Union CD Rates

Wildfire Credit Union Business CD Rates

Wildfire Credit Union Savings Rates

Wildfire Credit Union Business Savings Rates

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Wildfire Credit Union Business Checking Rates

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Wildfire Credit Union Home Equity & HELOC

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Wildfire Credit Union RV, Boat and Powersport Loan Rates

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Wildfire Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Wildfire Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Wildfire Credit Union

How many branches does Wildfire Credit Union operate?

Is a member application needed to join Wildfire Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wildfire Credit Union offer online and mobile banking?

Current Wildfire Credit Union Rates

Compare to Other Credit Unions