What are the current interest rates at Archer Cooperative Credit Union?

Current rates for Archer Cooperative Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.90%, 24-Month CD: 3.95%, 60-Month CD: 3.60%, Savings: 3.03%

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Archer Cooperative Credit Union

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Archer Cooperative Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Archer Cooperative 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

Archer Cooperative Credit Union's top rates as of October 9, 2026 are 5.00% APY on its 1 Year One Year Student CDs CD, 3.03% APY on savings, and 0.50% APY on checking, according to rates verified by MonitorBankRates. Other Archer Cooperative Credit Union CD rates include 30 Month Share & IRA CDs at 4.00%, 24 Month Share & IRA CDs at 3.95%, and 12 Month Share & IRA CDs at 3.90%. MonitorBankRates evaluates the financial stability of Archer Cooperative Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.83%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.83%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Archer Cooperative Credit Union
Archer

2121 Archer Rd
Archer, NE 68816

https://www.archerccu.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.

Archer Cooperative Credit Union CD Rates

Product	Rate	APY	Term
1 Year One Year Student Share Certificates	5.00%	5.00%	1 Year
Min Deposit $500 Details Maximum $10,000.00. Eligible through age 22. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
30 Month Share & IRA Certificates	3.94%	4.00%	30 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
24 Month Share & IRA Certificates	3.89%	3.95%	24 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
12 Month Share & IRA Certificates	3.84%	3.90%	12 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
18 Month Share & IRA Certificates	3.84%	3.90%	18 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
6 Month Share & IRA Certificates	3.80%	3.85%	6 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
3 Month Share & IRA Certificates	3.75%	3.80%	3 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
48 Month Share & IRA Certificates	3.55%	3.60%	48 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
60 Month Share & IRA Certificates	3.55%	3.60%	60 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
36 Month Share & IRA Certificates	3.45%	3.49%	36 Month
Min Deposit $500 Details Minimum to Open Certificate Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%

Archer Cooperative Credit Union Savings Rates

Product	Rate	APY
Junior Growers Savings Account	3.00%	3.03%
Min Deposit $5 Details For Kids 12 & Under Minimum Deposit Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
Vacation & Christmas Club Account	3.00%	3.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
Health Savings Account (HSA)	1.50%	1.51%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
Savings Account	0.20%	0.20%
Min Deposit $5 Details Minimum Deposit to Open An Account Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%

Archer Cooperative Credit Union Checking Rates

Product	Rate	APY
NOW Checking Account	0.50%	0.50%
Min Balance $50,000 Details Minimum Balance to Avoid Service Fee: $500.00; Balance Tier: $50,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%
NOW Checking Account	0.25%	0.25%
Min Balance $0 Details Minimum Balance to Avoid Service Fee: $500.00; Balance Tier: $0 - $4,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%

Archer Cooperative Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA/ESA Account	1.50%	-	1.51%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.83%

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

Archer Cooperative Credit Union’s Texas Ratio rose from 4.66% in Q3 2023 to 5.83% in Q2 2026, so its financial health has held steady at a healthy level 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	$103M	5.83%	5.0	A+
March 31, 2026	$102M	8.07%	5.0	A
December 31, 2025	$105M	7.43%	5.0	A
September 30, 2025	$104M	15.18%	5.0	A-
June 30, 2025	$100M	9.34%	5.0	A
March 31, 2025	$99M	7.75%	5.0	A
December 31, 2024	$96M	8.07%	5.0	A
September 30, 2024	$94M	10.12%	5.0	A
June 30, 2024	$92M	10.10%	5.0	A
March 31, 2024	$92M	7.11%	5.0	A
December 31, 2023	$91M	8.63%	5.0	A
September 30, 2023	$89M	4.66%	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 Archer Cooperative 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 Archer Cooperative 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 Archer Cooperative Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Archer Cooperative Credit Union

Website https://www.archerccu.com

Address 2121 Archer Rd, Archer, NE 68816

Phone 308-795-2204

Fax 308-795-2266

President Verlen Larsen

CEO Michael Kezeor

Full-Time Employees 28

Part-Time Employees 1

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.83%

Return on Assets (ROA)

0.4785%

Return on Equity (ROE)

4.4968%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

102,739,043

Total Amount of Shares and Deposits

90,865,807

Total Shares and Deposits < 1 Year

88,410,180

Total Shares and Deposits 1 3 Years

2,077,283

Total Shares and Deposits > 3 Years

378,344

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

8,157,173

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

8,157,173

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

82,708,634

Total Interest Expense (Sum of items 6 8)

907,515

Share Certificates

1,526

Number of Accounts for Share Drafts

3,519

IRA KEOGH Accounts

225

Number of Accounts for Regular Shares

6,040

All other shares

115

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

491,655

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)

1,822,576

Total Liabilities

91,805,638

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Archer Cooperative 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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Frequently Asked Questions About Archer Cooperative Credit Union

How many branches does Archer Cooperative Credit Union operate?

Archer Cooperative 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 Archer Cooperative Credit Union?

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

Does Archer Cooperative Credit Union offer online and mobile banking?

Most modern institutions like Archer Cooperative 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.archerccu.com.