What are the current interest rates at Appliance Credit Union?

Current rates for Appliance Credit Union include: 12-Month CD: 2.02%, 24-Month CD: 1.26%, 60-Month CD: 1.26%

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

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Appliance Credit Union Rates & Review October 2026

Q: How many branches does Appliance Credit Union operate?

Appliance 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 Appliance Credit Union?

Yes, to access services at Appliance 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, Appliance 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, Appliance 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 10, 2026

Appliance Credit Union's top rates as of October 10, 2026 are 3.29% APY on its 6 Month IRA CD, 9.25% on its New Farm Equipment mortgage, and personal loans from 12.25% APR, according to rates verified by MonitorBankRates. Other Appliance Credit Union CD rates include 6 Month CD at 3.29%, 12 Month IRA CD at 3.03%, and 12 Month CD at 3.03%. MonitorBankRates evaluates the financial stability of Appliance Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.09%. Rates last updated and verified on 10/10/2026.

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

3.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Appliance Credit Union
APPLIANCE CREDIT UNION

150 Linden Ave SE
CLEVELAND, TN 37311

https://www.appliancecu.com

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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.

Appliance Credit Union CD Rates

Product	Rate	APY	Term
6 Month IRA Certificate	3.25%	3.29%	6 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.29% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	3.25%	3.29%	6 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.29% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month IRA Certificate	3.00%	3.03%	12 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	3.00%	3.03%	12 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month IRA Certificate	3.00%	3.03%	6 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	3.00%	3.03%	6 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month IRA Certificate	2.75%	2.78%	12 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.75%	2.78%	12 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month IRA Certificate	2.75%	2.78%	6 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	2.75%	2.78%	6 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month IRA Certificate	2.50%	2.55%	12 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.50%	2.55%	12 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month IRA Certificate	2.50%	2.55%	6 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	2.50%	2.55%	6 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month IRA Certificate	2.25%	2.27%	12 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.25%	2.27%	12 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month IRA Certificate	2.25%	2.27%	24 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	2.25%	2.27%	24 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month IRA Certificate	2.25%	2.27%	36 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	2.25%	2.27%	36 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month IRA Certificate	2.25%	2.27%	6 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
6 Month Share Certificate	2.25%	2.27%	6 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month IRA Certificate	2.25%	2.27%	60 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	2.25%	2.27%	60 MONTH
Min Balance $75,001 Details Balance: OVER $75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month IRA Certificate	2.00%	2.02%	12 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
12 Month Share Certificate	2.00%	2.02%	12 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month IRA Certificate	2.00%	2.02%	24 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	2.00%	2.02%	24 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month IRA Certificate	2.00%	2.02%	36 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	2.00%	2.02%	36 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month IRA Certificate	2.00%	2.02%	60 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	2.00%	2.02%	60 MONTH
Min Balance $50,001 Details Balance: $50,001-$75,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month IRA Certificate	1.75%	1.76%	24 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	1.75%	1.76%	24 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month IRA Certificate	1.75%	1.76%	36 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	1.75%	1.76%	36 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month IRA Certificate	1.75%	1.76%	60 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	1.75%	1.76%	60 MONTH
Min Balance $20,001 Details Balance: $20,001-$50,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month IRA Certificate	1.50%	1.51%	24 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	1.50%	1.51%	24 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month IRA Certificate	1.50%	1.51%	36 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	1.50%	1.51%	36 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month IRA Certificate	1.50%	1.51%	60 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	1.50%	1.51%	60 MONTH
Min Balance $10,001 Details Balance: $10,001-$20,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month IRA Certificate	1.25%	1.26%	24 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
24 Month Share Certificate	1.25%	1.26%	24 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month IRA Certificate	1.25%	1.26%	36 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
36 Month Share Certificate	1.25%	1.26%	36 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month IRA Certificate	1.25%	1.26%	60 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
60 Month Share Certificate	1.25%	1.26%	60 MONTH
Min Balance $0 Details Balance: UNDER $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
New Farm Equipment	-	-	9.25%	up to 72 months
Details Published APR range: 9.25% - 15.25%. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	3.15%	36 months
Details Published APR range: 3.15% - 9.15%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2026 - 2021 up to 100k miles Loan	-	-	3.50%	36 months
Details Published APR range: 3.50% - 9.50%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Vehicle Loan	-	-	3.90%	60 months
Details Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Vehicle Loan	-	-	3.90%	72 months
Details Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2020 and older less than 100k Loan	-	-	4.15%	36 months
Details Published APR range: 4.15% - 10.15%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Vehicle Loan	-	-	4.90%	84 months
Details Published APR range: 4.90% - 10.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2026 - 2021 up to 100k miles Loan	-	-	4.90%	60 months
Details Published APR range: 4.90% - 10.90%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2020 and older less than 100k Loan	-	-	5.25%	60 months
Details Published APR range: 5.25% - 11.25%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles over 100k miles but less than 150k miles Loan	-	-	5.25%	36 months
Details Published APR range: 5.25% - 11.25%. 72 months financing on $20k+ Depending on mileage Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2020 and older less than 100k Loan	-	-	5.75%	72 months
Details Published APR range: 5.75% - 11.75%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2026 - 2021 up to 100k miles Loan	-	-	5.75%	72 months
Details Published APR range: 5.75% - 11.75%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2020 and older less than 100k Loan	-	-	5.90%	84 months
Details Published APR range: 5.90% - 11.90%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles 2026 - 2021 up to 100k miles Loan	-	-	5.90%	84 months
Details Published APR range: 5.90% - 11.90%. 72 months on $20k+ and 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles over 100k miles but less than 150k miles Loan	-	-	5.90%	60 months
Details Published APR range: 5.90% - 11.90%. 72 months financing on $20k+ Depending on mileage Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles over 100k miles but less than 150k miles Loan	-	-	6.15%	72 months
Details Published APR range: 6.15% - 12.15%. 72 months financing on $20k+ Depending on mileage Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles over 150k miles Loan	-	-	7.00%	36 months
Details Published APR range: 7.00% - 13.00%. 72 months financing on $20k+ Depending on mileage Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles over 150k miles Loan	-	-	7.75%	60 months
Details Published APR range: 7.75% - 13.75%. 72 months financing on $20k+ Depending on mileage Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Vehicles over 150k miles Loan	-	-	8.25%	72 months
Details Published APR range: 8.25% - 14.25%. 72 months financing on $20k+ Depending on mileage Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New ATVs, Jet Skis & Other Collateral Loan	-	6.50%	24 months
Details Published APR range: 6.50% - 12.50%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RVs Loan	-	6.90%	36 months
Details Published APR range: 6.90% - 12.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATVs, Jet Skis & Other Collateral Loan	-	6.99%	36 months
Details Published APR range: 6.99% - 12.99%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boats Loan	-	7.15%	36 months
Details Published APR range: 7.15% - 13.15%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RVs Loan	-	7.15%	60 months
Details Published APR range: 7.15% - 13.15%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boats Loan	-	7.15%	36 months
Details Published APR range: 7.15% - 13.15%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RVs Loan	-	7.15%	36 months
Details Published APR range: 7.15% - 13.15%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycles Loan	-	7.25%	36 months
Details Published APR range: 7.25% - 13.25%. 72 months financing on $15k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATVs, Jet Skis & Other Collateral Loan	-	7.25%	24 months
Details Published APR range: 7.25% - 13.25%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boats Loan	-	7.50%	60 months
Details Published APR range: 7.50% - 13.50%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycles Loan	-	7.50%	60 months
Details Published APR range: 7.50% - 13.50%. 72 months financing on $15k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATVs, Jet Skis & Other Collateral Loan	-	7.50%	36 months
Details Published APR range: 7.50% - 13.50%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycles Loan	-	7.50%	36 months
Details Published APR range: 7.50% - 13.50%. 72 months on $20k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RVs Loan	-	7.90%	72 months
Details Published APR range: 7.90% - 13.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boats Loan	-	7.90%	60 months
Details Published APR range: 7.90% - 13.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boats Loan	-	7.99%	72 months
Details Published APR range: 7.99% - 13.99%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATVs, Jet Skis & Other Collateral Loan	-	8.00%	60 months
Details Published APR range: 8.00% - 14.00%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycles Loan	-	8.15%	72 months
Details Published APR range: 8.15% - 14.15%. 72 months financing on $15k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATVs, Jet Skis & Other Collateral Loan	-	8.50%	72 months
Details Published APR range: 8.50% - 14.50%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RVs Loan	-	8.50%	84 months
Details Published APR range: 8.50% - 14.50%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorhomes Loan	-	8.75%	36 months
Details Published APR range: 8.75% - 14.75%. 72 months financing $20k+ - 84 months financing $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorhomes Loan	-	8.90%	60 months
Details Published APR range: 8.90% - 14.90%. 72 months financing $20k+ - 84 months financing $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boats Loan	-	8.90%	72 months
Details Published APR range: 8.90% - 14.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RVs Loan	-	8.90%	60 months
Details Published APR range: 8.90% - 14.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATVs, Jet Skis & Other Collateral Loan	-	8.99%	60 months
Details Published APR range: 8.99% - 14.99%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycles Loan	-	9.00%	60 months
Details Published APR range: 9.00% - 15.00%. 72 months on $20k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New ATVs, Jet Skis & Other Collateral Loan	-	9.25%	84 months
Details Published APR range: 9.25% - 15.25%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boats Loan	-	9.25%	84 months
Details Published APR range: 9.25% - 15.25%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycles Loan	-	9.25%	72 months
Details Published APR range: 9.25% - 15.25%. 72 months on $20k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RVs Loan	-	9.25%	72 months
Details Published APR range: 9.25% - 15.25%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RVs Loan	-	9.50%	84 months
Details Published APR range: 9.50% - 15.50%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Boats Loan	-	9.75%	120 months
Details Published APR range: 9.75% - 15.75%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorcycles Loan	-	9.75%	84 months
Details Published APR range: 9.75% - 15.75%. 72 months financing on $15k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATVs, Jet Skis & Other Collateral Loan	-	9.75%	72 months
Details Published APR range: 9.75% - 15.75%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorhomes Loan	-	9.75%	60 months
Details Published APR range: 9.75% - 15.75%. 72 months financing $20k+ - 84 months financing - $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New RVs Loan	-	9.90%	120 months
Details Published APR range: 9.90% - 15.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boats Loan	-	9.90%	84 months
Details Published APR range: 9.90% - 15.90%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorhomes Loan	-	9.90%	72 months
Details Published APR range: 9.90% - 15.90%. 72 months financing $20k+ - 84 months financing - $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorhomes Loan	-	10.00%	72 months
Details Published APR range: 10.00% - 16.00%. 72 months financing $20k+ - 84 months financing $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used RVs Loan	-	10.15%	120 months
Details Published APR range: 10.15% - 16.15%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorhomes Loan	-	10.75%	84 months
Details Published APR range: 10.75% - 16.75%. 72 months financing $20k+ - 84 months financing $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used ATVs, Jet Skis & Other Collateral Loan	-	10.75%	84 months
Details Published APR range: 10.75% - 16.75%. 72 months financing $20k+- 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorcycles Loan	-	10.75%	84 months
Details Published APR range: 10.75% - 16.75%. 72 months on $20k+ - 84 months financing on $30k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Boats Loan	-	11.00%	120 months
Details Published APR range: 11.00% - 17.00%. 60 months financing $10k+ - 72 months $20k+ - 84 months $30k+ - 120 months $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New Motorhomes Loan	-	11.15%	120 months
Details Published APR range: 11.15% - 17.15%. 72 months financing $20k+ - 84 months financing $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorhomes Loan	-	11.15%	84 months
Details Published APR range: 11.15% - 17.15%. 72 months financing $20k+ - 84 months financing - $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Used Motorhomes Loan	-	11.50%	120 months
Details Published APR range: 11.50% - 17.50%. 72 months financing $20k+ - 84 months financing - $30k+ - 120 months financing on $50k+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	12.25%
Details Condition: up to $15,000. Credit Score 640-850 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 12.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Unsecured Loan	18.00%
Details Condition: up to $3,500. Credit Score 639 and below Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Appliance Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Used Farm Equipment	-	-	10.50%	up to 72 months
Details Published APR range: 10.50% - 16.50%. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

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.
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Financial Health History

Appliance Credit Union’s Texas Ratio rose from 0.67% in Q3 2023 to 3.09% 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	$19M	3.09%	5.0	A+
March 31, 2026	$17M	1.53%	5.0	A+
December 31, 2025	$16M	1.79%	5.0	A+
September 30, 2025	$17M	1.75%	5.0	A+
June 30, 2025	$16M	0.14%	5.0	A+
March 31, 2025	$16M	3.03%	5.0	A+
December 31, 2024	$16M	2.32%	5.0	A+
September 30, 2024	$15M	2.71%	5.0	A+
June 30, 2024	$16M	7.96%	5.0	A
March 31, 2024	$16M	2.99%	5.0	A+
December 31, 2023	$16M	0.73%	5.0	A+
September 30, 2023	$16M	0.67%	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 Appliance 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 Appliance 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 Appliance Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Appliance Credit Union

Website https://www.appliancecu.com

Address 150 Linden Ave SE, CLEVELAND, TN 37311

Phone 423-479-5511

Fax 423-479-5217

President DONALD McCOWAN

CEO BOBBIE ROSS

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 2

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+ (98/100)

Texas Ratio

3.09%

Return on Assets (ROA)

0.1469%

Return on Equity (ROE)

1.5300%

Non-Performing Loans Ratio (NPL)

1.17%

Total Assets

18,668,990

Total Amount of Shares and Deposits

16,730,003

Total Shares and Deposits < 1 Year

16,730,003

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

1,143,372

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

1,143,372

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

15,586,631

Total Interest Expense (Sum of items 6 8)

47,144

Share Certificates

Number of Accounts for Share Drafts

1,306

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,934

All other shares

142

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

27,424

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)

1,693,459

Total Liabilities

16,888,916

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Appliance 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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       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Appliance Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Appliance Credit Union

Frequently Asked Questions About Appliance Credit Union

How many branches does Appliance Credit Union operate?

Appliance 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 Appliance Credit Union?

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

Does Appliance Credit Union offer online and mobile banking?

Most modern institutions like Appliance 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.appliancecu.com.

Current Appliance Credit Union Rates

12-Month CD2.02%
24-Month CD1.26%
60-Month CD1.26%

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

Compare to Other Credit Unions

Appliance Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Appliance Credit Union Texas Ratio

Appliance Credit Union Health Trend

Appliance Credit Union CD Rates

Appliance Credit Union Mortgage Rates

Appliance Credit Union Auto Loan Rates

Appliance Credit Union RV, Boat and Powersport Loan Rates

Appliance Credit Union Personal Loan Rates

Appliance Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Appliance Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Appliance Credit Union

How many branches does Appliance Credit Union operate?

Is a member application needed to join Appliance Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Appliance Credit Union offer online and mobile banking?

Current Appliance Credit Union Rates

Compare to Other Credit Unions