What are the current interest rates at Adventure Credit Union?

Current rates for Adventure Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.70%, 24-Month CD: 3.80%, 60-Month CD: 3.60%, Savings: 3.60%

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Adventure Credit Union

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Adventure Credit Union Rates & Review October 2026

Q: How many branches does Adventure Credit Union operate?

Adventure 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 Adventure Credit Union?

Yes, to access services at Adventure 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, Adventure 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, Adventure 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

Adventure Credit Union's top rates as of October 9, 2026 are 4.35% APY on its 60 month CD, 3.60% APY on savings, 4.07% APY on checking, 5.62% on its 15 Year Term (Special) Mortgage, personal loans from 9.49% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other Adventure Credit Union CD rates include 60-Month CD at 4.35%, 48 month CD at 4.10%, and Save to Win CD 12 month at 4.00%. Other Adventure Credit Union mortgage rates include 20 Year Term (Special) Mortgage at 5.88%, and 30 Year Term (Special) Mortgage at 6.39%. MonitorBankRates evaluates the financial stability of Adventure Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates last updated and verified on 10/09/2026.

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

4.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Adventure Credit Union
32nd Street

630 32nd St SE
Grand Rapids, MI 49548-2306

https://www.adventurecu.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.

Adventure Credit Union CD Rates

Product	Rate	APY	Term
60 month CD	4.28%	4.35%	60 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40% Oct 9, 20264.35%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
60-Month CD	-	4.35%	60 months
Min Deposit $500 Details Early withdrawal penalty on 12-month term or longer is 180-days loss of interest. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40% Oct 9, 20264.35%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
48 month CD	4.038%	4.10%	48 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40% Oct 9, 20264.10%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Save to Win CD 12 month	4.00%	4.00%	12 month
Min Deposit $25 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 9, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
36 month CD	3.844%	3.90%	36 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30% Oct 9, 20263.90%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
24 month CD	3.747%	3.80%	24 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30% Oct 9, 20263.80%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
12 Month Roth Save to Win IRA CD	-	3.75%	12 months
Min Deposit $25 Details Our prize-linked savings account; 12-month term. Early Withdrawal Penalty: $25. Potential Tax Benefits: No. Allows Deposits After Opening: Yes. Chances to Win Cash Prices: Yes.; Save for retirement with a ROTH or traditional IRA CD Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
18 month CD	3.65%	3.70%	18 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 9, 20263.70%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
18-month CD	-	3.70%	18 months
Min Deposit $500 Details Early withdrawal penalty on 12-month term or longer is 180-days loss of interest. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 9, 20263.70%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
12 month CD	3.601%	3.65%	12 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 9, 20263.65%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 - 60 Month Certificate of Deposit	-	3.60%	6 to 60 months
Min Deposit $500 Details Published APY range: 3.600% - 4.350%. Early Withdrawal Penalty: 90 to 180 days interest* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30% Oct 9, 20263.60%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 - 60 Month IRA CD	-	3.60%	6 to 60 months
Min Deposit $500 Details Published APY range: 3.600% - 4.350%. Early Withdrawal Penalty: 90 to 180 days interest* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30% Oct 9, 20263.60%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 month CD	3.552%	3.60%	6 month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 9, 20263.60%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6-Month CD	-	3.60%	6 months
Min Deposit $500 Details Early withdrawal penalty on 6-month certificate is 90-days loss of interest. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 9, 20263.60%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6 to 60 month prize-linked savings account; 12-month term	-	3.60%	6 to 60 months
Min Deposit $500 Details Published APY range: 3.600% - 4.350% . Early Withdrawal Penalty: 90 to 180 days interest Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000 & over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	1.00%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
IRA Savings	0.20%	0.20%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Adventure Savings Account	0.10%	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Christmas Club	0.10%	0.10%
Details Rates change annually on Nov. 1st Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Little Adventurers Club Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000 & over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	2.00%	2.02%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market Savings	1.00%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Checking Rates

Product	Rate	APY	View More
Edge Checking	4.00%	4.07%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Term (Special) Mortgage	5.625%	0.75%	5.854%	15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
20 Year Term (Special) Mortgage	5.875%	0.75%	6.06%	20 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
30 Year Term (Special) Mortgage	-	0.75%	6.393%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan (1st Lien)	-	-	6.74%	60-month
Details Est. monthly payment is $19.68 per thousand dollars borrowed on a 60-month loan at 6.74% APR. Requires a min. credit score of 680 and max. combined loan to value of 80%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 2, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (1st)	6.74%	-	6.74%	up to 120 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 2, 20266.74%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (1st)	6.99%	-	6.99%	up to 180 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 2, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity HELOC	-	-	7.00%
Details HELOC features a variable rate that may change after account opening. Variable rate is based on the prime rate plus a margin determined by the borrower's creditworthiness, lien position, and combined loan-to-value. As of 03/31/20206, rates range from 6.75% to 13.25%. Floor rate is 4.00% and maximum rate is 18.00%. No annual fee or advance fees. 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% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (1st)	7.24%	-	7.24%	up to 240 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 2, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (2nd)	7.24%	-	7.24%	up to 120 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 2, 20267.24%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Home Equity Loan - Fixed (2nd)	7.24%	-	7.24%	up to 180 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 2, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2019 & Newer Auto	5.50%	-	5.50%	up to 36 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.50% ▲ 0.26 pts · high 5.50% / low 5.24% Oct 9, 20265.50%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loans - 2025 & Newer	5.50%	-	5.50%	up to 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loans - 2025 & Newer	5.50%	-	5.50%	37 - 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loans - 2025 & Newer	5.50%	-	5.50%	49 - 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
2019 & Newer Auto	5.74%	-	5.74%	37 - 48 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 9, 20265.74%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
2019 & Newer Auto	6.00%	-	6.00%	49 - 60 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 6.00% ▲ 0.76 pts · high 6.00% / low 5.24% Oct 9, 20266.00%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loans - 2025 & Newer	6.00%	-	6.00%	61 - 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loans - 2025 & Newer	6.24%	-	6.24%	73 - 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
2019 & Newer Auto	6.50%	-	6.50%	61 - 72 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 6.50% ▲ 0.76 pts · high 6.50% / low 5.74% Oct 9, 20266.50%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
2019 & Newer Auto	6.74%	-	6.74%	73 - 84 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 9, 20266.74%▲ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Electric & Hybrid Vehicle Loans - 2025 & Newer	6.99%	-	6.99%	85 - 96 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	5.50%	5.50%	up to 36 months
Details 2019 & Newer Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.50% ▲ 0.26 pts · high 5.50% / low 5.24% Oct 9, 20265.50%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	5.74%	5.74%	37 - 48 months
Details 2019 & Newer Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 9, 20265.74%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	6.00%	6.00%	49 - 60 months
Details 2019 & Newer Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 6.00% ▲ 0.76 pts · high 6.00% / low 5.24% Oct 9, 20266.00%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	6.50%	6.50%	61 - 72 months
Details 2019 & Newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 6.50% ▲ 0.76 pts · high 6.50% / low 5.74% Oct 9, 20266.50%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Motorcycle Loan	6.74%	6.74%	73 - 84 months
Details 2019 & Newer Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 9, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicles & Boat Loans	6.79%	6.79%	1 - 60 months
Details no minimum Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicles & Boat Loans	6.79%	6.79%	85 - 120 months
Details minimum $20,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicles & Boat Loans	7.29%	7.29%	61 - 84 months
Details minimum $13,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Recreational Vehicles & Boat Loans	7.29%	7.29%	121 - 180 months
Details minimum $30,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Platinum Plus Card	10.99%	10.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Business Platinum Mastercard	12.99%	12.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
MasterCard Classic Platinum Card	14.88%	14.88%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.49%	13 - 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Debt Consolidation Loan	10.99%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Personal Line of Credit	11.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Adventure Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adventure Loan	9.49%	-	9.49%	up to 12 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Single Payment Loan	13.00%	-	13.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA)	0.15%	-	0.15%
Min Balance $0 Details Balance: $0.01 - $1,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA)	0.20%	-	0.20%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA)	0.35%	-	0.35%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Health Savings Checking (HSA)	0.50%	-	0.50%
Min Balance $15,000 Details Balance: $15,000 & over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Save to Win	-	-	3.75%	12 months
Min Deposit $25 Details Our prize-linked savings account; 12-month term. Early Withdrawal Penalty: $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

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Financial Health History

Adventure Credit Union’s Texas Ratio rose from 3.35% in Q3 2023 to 4.17% 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	$646M	4.17%	5.0	A+
March 31, 2026	$642M	3.51%	5.0	A+
December 31, 2025	$629M	5.08%	5.0	A+
September 30, 2025	$628M	3.76%	5.0	A+
June 30, 2025	$642M	3.24%	5.0	A+
March 31, 2025	$646M	2.57%	5.0	A+
December 31, 2024	$448M	3.72%	5.0	A+
September 30, 2024	$436M	3.16%	5.0	A+
June 30, 2024	$443M	2.94%	5.0	A+
March 31, 2024	$448M	2.98%	5.0	A+
December 31, 2023	$435M	3.94%	5.0	A+
September 30, 2023	$425M	3.35%	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 Adventure 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 Adventure 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 Adventure Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Adventure Credit Union

Website https://www.adventurecu.org

Address 630 32nd St SE, Grand Rapids, MI 49548-2306

Phone 616-243-0125

Fax 616-514-1828

President Pete Winninger

CEO Amanda Garabedian

Full-Time Employees 162

Part-Time Employees 4

Branch Locations 10

ATM Locations 10

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

4.17%

Return on Assets (ROA)

0.1840%

Return on Equity (ROE)

1.6009%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

645,909,068

Total Amount of Shares and Deposits

564,149,364

Total Shares and Deposits < 1 Year

540,372,343

Total Shares and Deposits 1 3 Years

19,413,039

Total Shares and Deposits > 3 Years

4,363,982

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

12,778,005

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

12,778,005

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

551,371,359

Total Interest Expense (Sum of items 6 8)

3,918,211

Share Certificates

5,314

Number of Accounts for Share Drafts

25,853

IRA KEOGH Accounts

1,322

Number of Accounts for Regular Shares

56,563

All other shares

560

Money Market Shares

3,106

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

1,188,621

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)

44,010,205

Total Liabilities

571,650,394

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Adventure 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Adventure Credit Union

Frequently Asked Questions About Adventure Credit Union

How many branches does Adventure Credit Union operate?

Adventure 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 Adventure Credit Union?

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

Does Adventure Credit Union offer online and mobile banking?

Most modern institutions like Adventure 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.adventurecu.org.

Current Adventure Credit Union Rates

12-Month CD3.65%
18-Month CD3.70%
24-Month CD3.80%
60-Month CD3.60%
Savings3.60%

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

Compare to Other Credit Unions

Adventure Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Adventure Credit Union Texas Ratio

Adventure Credit Union Health Trend

Adventure Credit Union CD Rates

Adventure Credit Union Savings Rates

Adventure Credit Union Money Market Rates

Adventure Credit Union Checking Rates

Adventure Credit Union Mortgage Rates

Adventure Credit Union Home Equity & HELOC

Adventure Credit Union Auto Loan Rates

Adventure Credit Union RV, Boat and Powersport Loan Rates

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Adventure Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Adventure Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Adventure Credit Union

How many branches does Adventure Credit Union operate?

Is a member application needed to join Adventure Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Adventure Credit Union offer online and mobile banking?

Current Adventure Credit Union Rates

Compare to Other Credit Unions