What are the current interest rates at 360 Federal Credit Union?

Current rates for 360 Federal Credit Union include: Savings: 0.05%

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360 Federal Credit Union

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360 Federal Credit Union Rates & Review October 2026

Q: How many branches does 360 Federal Credit Union operate?

360 Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join 360 Federal Credit Union?

Yes, to access services at 360 Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 360 Federal 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 12, 2026

360 Federal Credit Union's top rates as of October 12, 2026 are 0.05% APY on savings, and rv, boat and powersport loans from 6.74% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of 360 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.94%. Rates last updated and verified on 10/12/2026.

360 Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 360 Federal Credit Union? Share your experience about 360 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 360 Federal 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

3.94%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

360 Federal Credit Union
Route 75

191 Ella Grasso Tpke
Windsor Locks, CT 06096-1026

https://www.360fcu.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.

360 Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings, Escrow & All Club Accounts	0.05%	0.05%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

360 Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.00%	Up To 60 months
Details Rates as of 9/17/2026; CLTV <= 80%; Minimum loan $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 5.00% Sep 25, 20265.00%▼ from 6.00% Sep 17, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Home Equity Loan	-	-	5.00%	61 - 84 months
Details Rates as of 9/17/2026; CLTV <= 80%; Minimum loan $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 5.00% Sep 25, 20265.00%▼ from 6.00% Sep 17, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Mortgage Freedom Home Equity Loan	-	-	5.25%	8 years
Details As Low As; Refinance your mortgage from another financial institution; Fixed rate and terms 8 or 12 years; Borrow up to 80% CLTV; Primary residence; Properties located in CT, MA, and RI Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Mortgage Freedom Home Equity Loan	-	-	5.375%	12 years
Details Refinance your mortgage from another financial institution; Fixed rate and terms 8 or 12 years; Borrow up to 80% CLTV; Primary residence; Properties located in CT, MA, and RI Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 5.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Home Equity Loan	-	-	5.50%	85 - 120 months
Details Rates as of 9/17/2026; CLTV <= 80%; Minimum loan $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.25% → 5.50% ▼ 0.75 pts · high 6.25% / low 5.50% Sep 25, 20265.50%▼ from 6.25% Sep 12, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Home Equity Loan	-	-	5.50%	121 - 180 months
Details Rates as of 9/17/2026; CLTV <= 80%; Minimum loan $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.50% → 5.50% ▼ 1.00 pts · high 6.50% / low 5.50% Sep 25, 20265.50%▼ from 6.50% Sep 12, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Home Equity Line Of Credit	-	-	7.00%	15 Years
Details Rate: Prime Rate Plus 0%; 5 year draw period; 10 year P&I payback period; Rates as of: 9/17/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

360 Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
ATV's, Personal Watercraft, Snowmobiles Loan	-	6.74%	Up To 60 months
Details Miscellaneous Secured Loan; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Boats, RV's Loan	-	6.74%	Up To 60 months
Details Miscellaneous Secured Loan; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
ATV's, Personal Watercraft, Snowmobiles Loan	-	7.74%	61 - 84 months
Details Miscellaneous Secured Loan; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Boats, RV's Loan	-	7.74%	61 - 84 months
Details Miscellaneous Secured Loan; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Boats, RV's Loan	-	8.74%	85 - 120 months
Details Miscellaneous Secured Loan; Term for loans greater than $25,000; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

360 Federal Credit Union Personal Loan Rates

Product	APR	Term
ATV's, Personal Watercraft, Snowmobiles Loan	6.74%	Up To 60 months
Details Miscellaneous Secured Loan; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
ATV's, Personal Watercraft, Snowmobiles Loan	7.74%	61 - 84 months
Details Miscellaneous Secured Loan; APR includes 0.25% rate discount with Auto-Pay from a 360 FCU account (rate increases 0.25% if Auto-Pay not set up or removed); based on credit grade A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Debt Consolidation Loan	9.49%	Up To 36 months
Details $500 Minimum Loan Amount Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Debt Consolidation Loan	9.99%	37 - 60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

360 Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Anything Loan	-	-	10.99%	Up To 36 months
Details $500 Minimum Loan Amount Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Anything Loan	-	-	11.99%	37 - 60 months
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Term Line of Credit	-	-	8.00%	84 months
Details Initial draw period is the first 2 years from closing date followed by a 5 year repayment period Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Eighteen month add-on SC & IRA	2.00%	-	2.02%
Min Balance $1,000 Details Add-on; Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Fifteen SC & IRA	3.25%	-	3.30%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Five year SC & IRA	2.75%	-	2.78%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Four year SC & IRA	2.75%	-	2.78%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
IRA Accumulator	0.05%	-	0.05%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
One year Roth IRA	3.50%	-	3.56%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
One year SC & IRA	3.50%	-	3.56%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Six month SC & IRA	3.25%	-	3.30%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Three month SC & IRA	2.75%	-	2.78%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Three year SC & IRA	2.75%	-	2.78%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%
Two year SC & IRA	3.25%	-	3.30%
Min Balance $1,000 Details Rates as of: 04/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.94%

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

360 Federal Credit Union’s Texas Ratio fell from 4.60% in Q3 2023 to 3.94% 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$324M	3.94%	5.0	A+
March 31, 2026	$324M	3.53%	5.0	A+
December 31, 2025	$313M	3.31%	5.0	A+
September 30, 2025	$308M	4.62%	5.0	A+
June 30, 2025	$317M	4.48%	5.0	A+
March 31, 2025	$319M	4.28%	5.0	A+
December 31, 2024	$311M	5.33%	5.0	A+
September 30, 2024	$304M	6.31%	5.0	A
June 30, 2024	$312M	5.26%	5.0	A+
March 31, 2024	$319M	4.64%	5.0	A+
December 31, 2023	$312M	4.67%	5.0	A+
September 30, 2023	$306M	4.60%	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 360 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 360 Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 360 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 360 Federal Credit Union

Website https://www.360fcu.org

Address 191 Ella Grasso Tpke, Windsor Locks, CT 06096-1026

Phone 860-627-4200

Fax 860-627-4224

President Chinh Bui

CEO Duane Crisco

Full-Time Employees 67

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

3.94%

Return on Assets (ROA)

0.2909%

Return on Equity (ROE)

3.0536%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

324,395,826

Total Amount of Shares and Deposits

289,401,578

Total Shares and Deposits < 1 Year

284,592,707

Total Shares and Deposits 1 3 Years

4,036,965

Total Shares and Deposits > 3 Years

771,906

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

25,464,681

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

25,464,681

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

263,936,897

Total Interest Expense (Sum of items 6 8)

963,063

Share Certificates

1,090

Number of Accounts for Share Drafts

11,088

IRA KEOGH Accounts

412

Number of Accounts for Regular Shares

20,793

Non Member Deposits

Money Market Shares

230

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

943,603

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)

24,496,290

Total Liabilities

293,494,967

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

360 Federal 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.

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; when a new quarter is published, come back to this page for the updated code.

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

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Frequently Asked Questions About 360 Federal Credit Union

How many branches does 360 Federal Credit Union operate?

360 Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 360 Federal Credit Union?

Yes, to access services at 360 Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 360 Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 360 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 360 Federal Credit Union offer online and mobile banking?

Most modern institutions like 360 Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.360fcu.org.