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Ambraw Federal Credit Union

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Ambraw Federal Credit Union Rates & Review September 2026

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

Yes, to access services at Ambraw 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, Ambraw 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: September 23, 2026

Ambraw Federal Credit Union's Auto Loan Rates are as low as 6.00%. MonitorBankRates evaluates the financial stability of Ambraw Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.73%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.73%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ambraw Federal Credit Union
Ambraw Federal Credit Union

2300 Lexington Ave
Lawrenceville, IL 62439

https://ambrawfcu.com

Ambraw Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2024 & newer Vehicles (Cars, Trucks & Vans) Loan	-	-	6.00%	60 Months (**72mos)
Details As Low As; All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
2024 & newer Vehicles (Cars, Trucks & Vans) Loan	-	-	6.25%	48 Months
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
2022-2023 Used Vehicles (Cars, Trucks & Vans) Loan	-	-	6.50%	60 Months (**72mos)
Details As Low As; All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

Ambraw Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motor Homes & Travel Trailers Loan	-	8.00%	48 Months
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Boats, Trailers, ATV's, & Motorcycles Loan	-	8.50%	48 Months
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Motor Homes & Travel Trailers Loan	-	8.50%	48 Months
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Boats, Trailers, ATV's, & Motorcycles Loan	-	8.75%	60 Months (**)
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
New Motor Homes & Travel Trailers Loan	-	8.75%	60 Months (**)
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Boats, Trailers, ATV's & Motorcycles Loan	-	8.75%	up to 60Months (**)
Details As Low As; All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Used Motor Homes & Travel Trailers Loan	-	8.75%	60 Months (**)
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

Ambraw Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Current - 2015 & older Loan	-	-	9.00%	Up To 60 Months
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Current - 2016-2019 Loan	-	-	8.75%	up to 60 Months
Details Term: Up To up to 60 Months (*); All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Current - 2020-2021 Loan	-	-	7.00%	up to 60 Months
Details Term: Up To up to 60 Months*; All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Share Covered Loan	-	-	4.50%	60 Months
Details All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Share Covered Loan	-	-	4.00%	36 Months
Details or+2% of -CD rate; All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%
Single Payment Notes Loan	-	-	18.00%	6 Month
Details Term: 6 Month Maturity Max.; All rates are Base Rates ONLY & include bonus credit discounts! Also posted rates are with 20% down or less than 80% loan to value(calculated by CU with NADA) Non-member $25.00 application fee will apply. *Annual Percentage Rate Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.73%

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

Ambraw Federal Credit Union’s Texas Ratio fell from 1.45% in Q2 2023 to 0.73% in Q1 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
March 31, 2026	$17M	0.73%	5.0	A+
December 31, 2025	$17M	0.83%	5.0	A+
September 30, 2025	$16M	0.74%	5.0	A+
June 30, 2025	$16M	0.17%	5.0	A+
March 31, 2025	$17M	0.40%	5.0	A+
December 31, 2024	$16M	0.38%	5.0	A+
September 30, 2024	$16M	0.52%	5.0	A+
June 30, 2024	$16M	1.27%	5.0	A+
March 31, 2024	$16M	1.29%	5.0	A+
December 31, 2023	$16M	0.68%	5.0	A+
September 30, 2023	$16M	1.30%	5.0	A+
June 30, 2023	$16M	1.45%	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 Ambraw 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 Ambraw 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 Ambraw Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ambraw Federal Credit Union

Website https://ambrawfcu.com

Address 2300 Lexington Ave, Lawrenceville, IL 62439

Phone 618-943-2913

Fax 618-943-4652

President Jerry Fye

CEO Sharlene Howard

Full-Time Employees 4

Part-Time Employees 4

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.73%

Return on Assets (ROA)

0.0990%

Return on Equity (ROE)

1.0304%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

16,812,802

Total Amount of Shares and Deposits

15,109,635

Total Shares and Deposits < 1 Year

14,801,612

Total Shares and Deposits 1 3 Years

308,023

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

15,109,635

Total Interest Expense (Sum of items 6 8)

22,023

Share Certificates

Number of Accounts for Share Drafts

1,233

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,035

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

16,637

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)

2,312,812

Total Liabilities

15,198,231

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ambraw Federal Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Ambraw Federal Credit Union

How many branches does Ambraw Federal Credit Union operate?

Ambraw 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 Ambraw Federal Credit Union?

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

Does Ambraw Federal Credit Union offer online and mobile banking?

Most modern institutions like Ambraw 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://ambrawfcu.com.