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705 Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
705 Federal Credit Union's top rates as of October 9, 2026 are 2.53% APY on its 6 Month CDs CD, 5.25% on its Mortgage, personal loans from 11.50% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other 705 Federal Credit Union CD rates include 12 Month CDs at 2.37%, 18 Month CDs at 2.37%, and 12 Month CDs at 2.22%. MonitorBankRates evaluates the financial stability of 705 Federal Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.13%. Rates last updated and verified on 10/09/2026.
705 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 705 Federal Credit Union? Share your experience about 705 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 705 Federal Credit Union.
Overall Health & Safety Grade
?
B+
Good HealthScore: 90/100
Overall Health & Safety Grade
705 Federal Credit Union has earned an overall safety grade of B+ (Good, Score: 90/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.8
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
705 Federal Credit Union has earned a Star Rating of 4.8 out of 5 stars (Exceptional).
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
?
17.13%
GoodHigher than avg
705 Federal Credit Union Texas Ratio
705 Federal Credit Union's Texas Ratio is 17.13%, which is considered good and is higher than the national average of 6.13%.
While 705 Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.06% to 17.13% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.8, Health Grade A to B+
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
705 Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
6 Month Share Certificates
2.50%
2.526%
6 months
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
12 Month Share Certificates
2.35%
2.372%
12 months
Min Deposit$25,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
18 Month Share Certificates
2.35%
2.371%
18 months
Min Deposit$50,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
12 Month Share Certificates
2.20%
2.218%
12 months
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.22% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
18 Month Share Certificates
2.00%
2.015%
18 months
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
24 Month Share Certificates
2.00%
2.015%
24 months
Min Deposit$1,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
36 Month Share Certificates
2.00%
2.015%
36 months
Min Deposit$2,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
48 Month Share Certificates
2.00%
2.015%
48 months
Min Deposit$2,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
705 Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage
-
1%
5.25%
15 year
DetailsThe credit union will loan up to 90% of appraised value of property. Certain qualifications do apply. Rates are dependent on market. Call to talk to one of our mortgage officers for more information. Loan Application Fee of $100.00 for all loan application requests. The Annual Percentage Rate will not increase after consummation. Payments do not include amounts for taxes and insurance premiums.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.25% APR · checked 2 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
705 Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loans
-
-
4.00%
Up to 60 Months
DetailsA+ APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
4.25%
72 Months
DetailsA+ APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
4.50%
Up to 60 Months
DetailsA APR*
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
Oct 5, 20264.50%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
4.50%
84 Months
DetailsA+ APR*
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.00% → 4.50% ▼ 0.50 pts · high 5.00% / low 4.50%
Sep 17, 20264.50%▼ from 5.00%
Sep 14, 20265.00%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
4.75%
72 Months
DetailsA APR*
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
Oct 5, 20264.75%▲ from 4.25%
Sep 14, 20264.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
4.75%
Up to 60 Months
DetailsA+APR*
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
5.00%
84 Months
DetailsA APR*
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 4.50%
Oct 5, 20265.00%▲ from 4.50%
Sep 17, 20264.50%▼ from 5.00%
Sep 14, 20265.00%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
5.00%
72 Months
DetailsA+APR*
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
5.25%
Up to 60 Months
DetailsAAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 5.25% → 5.25% ▼ 0.00 pts · high 5.25% / low 4.75%
Oct 5, 20265.25%▲ from 4.75%
Sep 18, 20264.75%▼ from 5.25%
Sep 17, 20265.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
5.50%
Up to 60 Months
DetailsB APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
5.50%
72 Months
DetailsAAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 5.50% → 5.50% ▼ 0.00 pts · high 5.50% / low 5.00%
Oct 5, 20265.50%▲ from 5.00%
Sep 18, 20265.00%▼ from 5.50%
Sep 17, 20265.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
5.75%
72 Months
DetailsB APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
6.00%
84 Months
DetailsB APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 11 to 15 years old
-
-
6.00%
36 Months
DetailsAdditional APR listed for this product: 6.50%, 7.50%, 9.50%, 11.50%, 17.00%. A+APR*; BAPR*; CAPR*; DAPR*; EAPR*
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 6 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - Up to 60 Months
5.50%
-
6.00%
Up to 60 Months
DetailsAAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
6.25%
Up to 60 Months
DetailsBAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 4.75%
Oct 5, 20266.25%▲ from 4.75%
Sep 18, 20264.75%▼ from 6.25%
Sep 17, 20266.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 11 to 15 years old
-
-
6.25%
48 Months
DetailsAdditional APR listed for this product: 6.75%, 7.75%, 9.75%, 11.75%, 17.00%. A+APR*; BAPR*; CAPR*; DAPR*; EAPR*
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - 72 Months
5.75%
-
6.25%
72 Months
DetailsAAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
6.50%
72 Months
DetailsBAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 5.00%
Oct 5, 20266.50%▲ from 5.00%
Sep 18, 20265.00%▼ from 6.50%
Sep 17, 20266.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - Up to 60 Months
6.00%
-
7.00%
Up to 60 Months
DetailsBAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - 72 Months
6.25%
-
7.25%
72 Months
DetailsBAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
7.50%
Up to 60 Months
DetailsC APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
7.75%
72 Months
DetailsC APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
8.00%
84 Months
DetailsC APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
8.25%
Up to 60 Months
DetailsCAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 8.25% / low 4.75%
Oct 5, 20268.25%▲ from 4.75%
Sep 18, 20264.75%▼ from 8.25%
Sep 17, 20268.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
8.50%
72 Months
DetailsCAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 8.50% / low 5.00%
Oct 5, 20268.50%▲ from 5.00%
Sep 18, 20265.00%▼ from 8.50%
Sep 17, 20268.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - Up to 60 Months
7.00%
-
9.00%
Up to 60 Months
DetailsCAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - 72 Months
7.25%
-
9.25%
72 Months
DetailsCAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
9.50%
Up to 60 Months
DetailsD APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
9.75%
72 Months
DetailsD APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
10.00%
84 Months
DetailsD APR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
10.25%
Up to 60 Months
DetailsDAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 10.25% → 10.25% ▼ 0.00 pts · high 10.25% / low 4.75%
Oct 5, 202610.25%▲ from 4.75%
Sep 18, 20264.75%▼ from 10.25%
Sep 17, 202610.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 1 to 5 years old
-
-
10.50%
72 Months
DetailsDAPR*
Last Updated10/09/2026
Rate History
2 changes since Sep 17, 2026 · 10.50% → 10.50% ▼ 0.00 pts · high 10.50% / low 5.00%
Oct 5, 202610.50%▲ from 5.00%
Sep 18, 20265.00%▼ from 10.50%
Sep 17, 202610.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - Up to 60 Months
9.00%
-
11.00%
Up to 60 Months
DetailsDAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Pre-Owned Auto Loans 6 to 10 years old - 72 Months
9.25%
-
11.25%
72 Months
DetailsDAPR*
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
17.00%
Up to 60 Months
DetailsE APR*
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.50% → 17.00% ▲ 7.50 pts · high 17.00% / low 9.50%
Sep 17, 202617.00%▲ from 9.50%
Sep 14, 20269.50%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Auto Loans
-
-
17.00%
72 Months
DetailsE APR*
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 17.00% ▲ 7.25 pts · high 17.00% / low 9.75%
Sep 17, 202617.00%▲ from 9.75%
Sep 14, 20269.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
705 Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Campers Loan
-
5.25%
180 months
DetailsCredit Rating: A+
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.25% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Boat Loans
-
5.25%
144-month
DetailsUp to 100% Financing. Credit criteria applies with approved credit. Loan Application Fee of $30.00 for all loan application requests. The credit union will finance up to 100% of NADA or appraised value for a new boat.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Camper Loan
-
5.25%
180-month
Details100% Financing. Loan Application Fee of $30.00 for all loan application requests. The credit union will finance up to 100% of NADA or appraised value for a new camper.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Motorcycle Loan
-
5.25%
84 month
Details100% Financing. Loan Application Fee of $30.00 for all loan application requests. The credit union will finance 100% of the appraised value for a new motorcycle.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Recreational Vehicle Loan
-
5.25%
72 months - 6 years
DetailsCredit Rating: A+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Campers Loan
-
5.75%
180 months
DetailsCredit Rating: A
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 5.75% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Recreational Vehicle Loan
-
5.75%
72 months - 6 years
DetailsCredit Rating: A
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
Oct 9, 20265.75%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Boat Loans - Up to 80% NADA or Appraised Value
-
5.75%
84 months - 7 years
DetailsCredit Rating: A+
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 5.75% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Campers Loan
-
5.75%
120 months
DetailsCredit Rating: A+; 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Motorcycle Loan - Up to 100% NADA Retail Value
-
5.75%
60 months - 5 years
DetailsCredit Rating: A+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Recreational Vehicle Loan - Up to 80% NADA or Appraised Value
-
5.75%
60 months - 5 years
DetailsCredit Rating: A+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Boat Loans - Up to 80% NADA or Appraised Value
-
6.25%
84 months - 7 years
DetailsCredit Rating: A
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 6.25% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Campers Loan
-
6.25%
120 months
DetailsCredit Rating: A; 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
Oct 9, 20266.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Motorcycle Loan - Up to 100% NADA Retail Value
-
6.25%
60 months - 5 years
DetailsCredit Rating: A
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
Oct 5, 20266.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Recreational Vehicle Loan - Up to 80% NADA or Appraised Value
-
6.25%
60 months - 5 years
DetailsCredit Rating: A
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
Oct 5, 20266.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Campers Loan
-
6.75%
180 months
DetailsCredit Rating: B
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.75% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Recreational Vehicle Loan
-
6.75%
72 months - 6 years
DetailsCredit Rating: B
Last Updated10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.25% → 6.75% ▲ 1.50 pts · high 6.75% / low 5.25%
Oct 9, 20266.75%▲ from 5.25%
Oct 5, 20265.25%▼ from 6.75%
Sep 21, 20266.75%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Boat Loans - Up to 80% NADA or Appraised Value
-
7.25%
84 months - 7 years
DetailsCredit Rating: B
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 7.25% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Campers Loan
-
7.25%
120 months
DetailsCredit Rating: B; 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 7.25% ▲ 1.50 pts · high 7.25% / low 5.75%
Oct 9, 20267.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Motorcycle Loan - Up to 100% NADA Retail Value
-
7.25%
60 months - 5 years
DetailsCredit Rating: B
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.25% → 7.25% ▼ 0.00 pts · high 7.25% / low 5.75%
Oct 5, 20267.25%▲ from 5.75%
Sep 21, 20265.75%▼ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Recreational Vehicle Loan - Up to 80% NADA or Appraised Value
-
7.25%
60 months - 5 years
DetailsCredit Rating: B
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.25% → 7.25% ▼ 0.00 pts · high 7.25% / low 5.75%
Oct 5, 20267.25%▲ from 5.75%
Sep 21, 20265.75%▼ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Campers Loan
-
8.75%
180 months
DetailsCredit Rating: C
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.75% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Recreational Vehicle Loan
-
8.75%
72 months - 6 years
DetailsCredit Rating: C
Last Updated10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.25% → 8.75% ▲ 3.50 pts · high 8.75% / low 5.25%
Oct 9, 20268.75%▲ from 5.25%
Oct 5, 20265.25%▼ from 8.75%
Sep 21, 20268.75%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Boat Loans - Up to 80% NADA or Appraised Value
-
9.25%
84 months - 7 years
DetailsCredit Rating: C
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 9.25% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Campers Loan
-
9.25%
120 months
DetailsCredit Rating: C; 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 9.25% ▲ 3.50 pts · high 9.25% / low 5.75%
Oct 9, 20269.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Motorcycle Loan - Up to 100% NADA Retail Value
-
9.25%
60 months - 5 years
DetailsCredit Rating: C
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 9.25% → 9.25% ▼ 0.00 pts · high 9.25% / low 5.75%
Oct 5, 20269.25%▲ from 5.75%
Sep 21, 20265.75%▼ from 9.25%
Sep 14, 20269.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Recreational Vehicle Loan - Up to 80% NADA or Appraised Value
-
9.25%
60 months - 5 years
DetailsCredit Rating: C
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 9.25% → 9.25% ▼ 0.00 pts · high 9.25% / low 5.75%
Oct 5, 20269.25%▲ from 5.75%
Sep 21, 20265.75%▼ from 9.25%
Sep 14, 20269.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Campers Loan
-
10.75%
180 months
DetailsCredit Rating: D
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.75% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Recreational Vehicle Loan
-
10.75%
72 months - 6 years
DetailsCredit Rating: D
Last Updated10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.25% → 10.75% ▲ 5.50 pts · high 10.75% / low 5.25%
Oct 9, 202610.75%▲ from 5.25%
Oct 5, 20265.25%▼ from 10.75%
Sep 21, 202610.75%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Boat Loans - Up to 80% NADA or Appraised Value
-
11.25%
84 months - 7 years
DetailsCredit Rating: D
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 11.25% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Campers Loan
-
11.25%
120 months
DetailsCredit Rating: D; 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 11.25% ▲ 5.50 pts · high 11.25% / low 5.75%
Oct 9, 202611.25%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Motorcycle Loan - Up to 100% NADA Retail Value
-
11.25%
60 months - 5 years
DetailsCredit Rating: D
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 11.25% → 11.25% ▼ 0.00 pts · high 11.25% / low 5.75%
Oct 5, 202611.25%▲ from 5.75%
Sep 21, 20265.75%▼ from 11.25%
Sep 14, 202611.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Recreational Vehicle Loan - Up to 80% NADA or Appraised Value
-
11.25%
60 months - 5 years
DetailsCredit Rating: D
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 11.25% → 11.25% ▼ 0.00 pts · high 11.25% / low 5.75%
Oct 5, 202611.25%▲ from 5.75%
Sep 21, 20265.75%▼ from 11.25%
Sep 14, 202611.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Campers Loan
-
17.00%
180 months
DetailsCredit Rating: E
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.00% APR
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
New Recreational Vehicle Loan
-
17.00%
72 months - 6 years
DetailsCredit Rating: E
Last Updated10/09/2026
Rate History
3 changes since Sep 14, 2026 · 5.25% → 17.00% ▲ 11.75 pts · high 17.00% / low 5.25%
Oct 9, 202617.00%▲ from 5.25%
Oct 5, 20265.25%▼ from 17.00%
Sep 21, 202617.00%▲ from 5.25%
Sep 14, 20265.25%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Boat Loans - Up to 80% NADA or Appraised Value
-
17.00%
84 months - 7 years
DetailsCredit Rating: E
Last Updated10/09/2026
Rate History
No change since Sep 17, 2026 · 17.00% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Campers Loan
-
17.00%
120 months
DetailsCredit Rating: E; 90% NADA or Appraised Value If Used As Primary Residence, Market Rates Will Apply.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 17.00% ▲ 11.25 pts · high 17.00% / low 5.75%
Oct 9, 202617.00%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Motorcycle Loan - Up to 100% NADA Retail Value
-
17.00%
60 months - 5 years
DetailsCredit Rating: E
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 17.00% → 17.00% ▼ 0.00 pts · high 17.00% / low 5.75%
Oct 5, 202617.00%▲ from 5.75%
Sep 21, 20265.75%▼ from 17.00%
Sep 14, 202617.00%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Used Recreational Vehicle Loan - Up to 80% NADA or Appraised Value
-
17.00%
60 months - 5 years
DetailsCredit Rating: E
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 17.00% → 17.00% ▼ 0.00 pts · high 17.00% / low 5.75%
Oct 5, 202617.00%▲ from 5.75%
Sep 21, 20265.75%▼ from 17.00%
Sep 14, 202617.00%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
705 Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Credit Card
-
7.90%
DetailsFixed rate as low as 7.9 APR* on our credit cards for retail purchases or cash advances. No introductory rate or annual fees. Monthly minimum payment is only 2% of the outstanding balance. Maximum credit card amount offered is $20,000. Rewards Points: Receive points just for using your 705 credit card.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.90% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
VISA Credit Card
-
9.90%
DetailsB APR*; Regular APR: 9.90%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
VISA Credit Card
-
11.90%
DetailsC APR*; Regular APR: 11.90%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
VISA Credit Card
-
13.90%
DetailsD APR*; Regular APR: 13.90%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
VISA Credit Card
-
15.90%
DetailsE APR*; Regular APR: 15.90%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 15.90% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
705 Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan Less Than - Line of Credit
11.50%
Details$5,000; Credit Rating: A+
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 11.50% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan Less Than - Line of Credit
12.00%
Details$5,000; Credit Rating: A
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 12.00% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan - Closed End
12.25%
Up to 60 months
DetailsUp To $20,000.00; Additional APR listed for this product: 12.75%, 13.75%, 15.75%, 16.75%, 17.00%. Term: Up to 60 months - 5 years
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan Less Than - Line of Credit
12.25%
Details$5,000; The Annual Percentage Rate can be increased after consummation. The APR is fixed. Loan Application Fee of $30.00 for all loan application requests.
Last Updated10/09/2026
Rate History
1 change since Sep 21, 2026 · 12.00% → 12.25% ▲ 0.25 pts · high 12.25% / low 12.00%
Oct 9, 202612.25%▲ from 12.00%
Sep 21, 202612.00%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan Less Than - Line of Credit
13.00%
Details$5,000; Credit Rating: B
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 13.00% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan Less Than - Line of Credit
15.00%
Details$5,000; Credit Rating: C
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 15.00% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan Less Than - Line of Credit
17.00%
Details$5,000; Credit Rating: D
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 17.00% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Personal Loan Less Than - Line of Credit
18.00%
Details$5,000; Credit Rating: E
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 18.00% APR · checked 5 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
705 Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
15 Years, Vacant Properties Loan
-
-
5.25%
15 Years
DetailsCredit Rating: A+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
15 Years, Vacant Properties Loan
-
-
5.75%
15 Years
DetailsCredit Rating: A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
15 Years, Vacant Properties Loan
-
-
6.75%
15 Years
DetailsCredit Rating: B
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
15 Years, Vacant Properties Loan
-
-
8.75%
15 Years
DetailsCredit Rating: C
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
15 Years, Vacant Properties Loan
-
-
10.75%
15 Years
DetailsCredit Rating: D
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
15 Years, Vacant Properties Loan
-
-
17.00%
15 Years
DetailsCredit Rating: E
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 8 times
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
IRA
0.75%
-
0.756%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.76% APY
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Super Green
0.75%
-
0.75%
Min Balance$1,000
DetailsBalance: $1,000.00 - $9,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.75% APY
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Super Green
1.00%
-
1.00%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Super Green
1.25%
-
1.25%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.25% APY
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Super Green
1.50%
-
1.50%
Min Balance$50,000
DetailsBalance: $50,000 and above
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.50% APY
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.13%
Financial Health History
705 Federal Credit Union’s Texas Ratio rose from 6.06% in Q3 2023 to 17.13% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. 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
$43M
17.13%
4.8
B+
March 31, 2026
$45M
19.66%
4.6
B
December 31, 2025
$44M
25.37%
4.1
C+
September 30, 2025
$47M
13.64%
5.0
A
June 30, 2025
$47M
10.68%
5.0
A
March 31, 2025
$46M
6.23%
5.0
A
December 31, 2024
$44M
10.97%
5.0
A
September 30, 2024
$46M
9.53%
5.0
A
June 30, 2024
$46M
10.25%
5.0
A
March 31, 2024
$46M
8.49%
5.0
A
December 31, 2023
$44M
4.10%
5.0
A+
September 30, 2023
$43M
6.06%
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 705 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 705 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 705 Federal Credit Union's official website for the most current offers and terms.
Address
1455 W Willow St,
Lafayette, LA 70506-1026
Phone337-232-8450
Fax337-232-2786
PresidentRonald Girouard
CEOCassie Theriot
Full-Time Employees14
Part-Time Employees0
Branch Locations1
ATM Locations1
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (90/100)
Texas Ratio
17.13%
Return on Assets (ROA)
0.1149%
Return on Equity (ROE)
1.4527%
Non-Performing Loans Ratio (NPL)
2.03%
Total Assets
43,038,777
Total Amount of Shares and Deposits
39,108,672
Total Shares and Deposits < 1 Year
38,098,322
Total Shares and Deposits 1 3 Years
975,327
Total Shares and Deposits > 3 Years
35,023
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,109,700
Total Uninsured Shares and Deposits > $250K (F+J)
4,109,700
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,998,972
Total Interest Expense (Sum of items 6 8)
243,099
Share Certificates
182
Number of Accounts for Share Drafts
1,684
IRA KEOGH Accounts
54
Number of Accounts for Regular Shares
4,031
Non Member Deposits
1
Money Market Shares
127
Net Income (unless the amount is already included in Undivided Earnings)
49,443
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)
2,281,794
Total Liabilities
39,635,326
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Average Rating
☆☆☆☆☆
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Frequently Asked Questions About 705 Federal Credit Union
How many branches does 705 Federal Credit Union operate?
705 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 705 Federal Credit Union?
Yes, to access services at 705 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, 705 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, 705 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does 705 Federal Credit Union offer online and mobile banking?
Most modern institutions like 705 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.705fcu.com.
Current 705 Federal Credit Union Rates
12-Month CD2.22%
18-Month CD2.02%
24-Month CD2.02%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
