What are the current interest rates at Ashland Credit Union?

Current rates for Ashland Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.50%, 24-Month CD: 3.35%, 60-Month CD: 3.20%, Savings: 1.50%

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Ashland Credit Union

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Ashland Credit Union Rates & Review September 2026

Q: How many branches does Ashland Credit Union operate?

Ashland 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 Ashland Credit Union?

Yes, to access services at Ashland 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, Ashland 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, Ashland 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 22, 2026

Ashland Credit Union's 18 Month Jumbo CDs rates are at 3.75%, 36 Month Jumbo CDs rates are at 3.75%, 36 Month CDs with Rate Bump Option - Jumbo rates are at 3.75%, Traditional/Roth IRA CDs - 36 Month rates are at 3.75%, 60 Month Jumbo CDs rates are at 3.70%. Ashland Credit Union's savings rates are at 1.50%. Ashland Credit Union's Personal Loan Rates are as low as 9.99%. Ashland Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Ashland Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.04%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.04%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ashland Credit Union
ACU Headquarters

305 MARTIN LUTHER KING JR BLVD
ASHLAND, KY 41101

https://www.ashlandcu.org

Ashland Credit Union CD Rates

Product	Rate	APY	Term
18 Month Jumbo Share Certificates	3.69%	3.75%	18 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
36 Month Jumbo Share Certificates	3.69%	3.75%	36 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
36 Month Share Certificates with Rate Bump Option - Jumbo	3.69%	3.75%	36 Month
Min Balance $35,000 Details Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 36 Month	3.69%	3.75%	36 Month
Min Balance $35,000 Details Jumbo Dividend Rate: 3.690%, Jumbo APY: 3.75%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
60 Month Jumbo Share Certificates	3.64%	3.70%	60 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 60 Month	3.64%	3.70%	60 Month
Min Balance $35,000 Details Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
24 Month Jumbo Share Certificates	3.54%	3.60%	24 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
48 Month Jumbo Share Certificates	3.54%	3.60%	48 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 24 Month	3.54%	3.60%	24 Month
Min Balance $35,000 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 48 Month	3.54%	3.60%	48 Month
Min Balance $35,000 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
6 Month Jumbo Share Certificates	3.49%	3.55%	6 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
12 Month Jumbo Share Certificates	3.45%	3.50%	12 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
18 Month Standard Share Certificates	3.45%	3.50%	18 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.690%; Jumbo APY: 3.75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
36 Month Share Certificates with Rate Bump Option	3.45%	3.50%	36 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.690%, Jumbo APY: 3.75%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
36 Month Standard Share Certificates	3.45%	3.50%	36 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.690%; Jumbo APY: 3.75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
9 Month Jumbo Share Certificates	3.45%	3.50%	9 Month
Min Balance $35,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 12 Month	3.45%	3.50%	12 Month
Min Balance $35,000 Details Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 36 Month	3.45%	3.50%	36 Month
Min Balance $1,000 Details Jumbo Dividend Rate: 3.690%, Jumbo APY: 3.75%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
60 Month Share Certificates with Rate Bump Option - Jumbo	3.40%	3.45%	60 Month
Min Balance $35,000 Details Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
60 Month Standard Share Certificates	3.40%	3.45%	60 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.640%; Jumbo APY: 3.70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 60 Month	3.40%	3.45%	60 Month
Min Balance $1,000 Details Jumbo Dividend Rate: 3.640%, Jumbo APY: 3.70%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
24 Month Standard Share Certificates	3.30%	3.35%	24 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
48 Month Share Certificates with Rate Bump Option - Jumbo	3.30%	3.35%	48 Month
Min Balance $35,000 Details Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
48 Month Standard Share Certificates	3.30%	3.35%	48 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.540%; Jumbo APY: 3.60% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 24 Month	3.30%	3.35%	24 Month
Min Balance $1,000 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 48 Month	3.30%	3.35%	48 Month
Min Balance $1,000 Details Jumbo Dividend Rate: 3.540%, Jumbo APY: 3.60%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
6 Month Standard Share Certificates	3.25%	3.30%	6 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.490%; Jumbo APY: 3.55% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
12 Month Standard Share Certificates	3.20%	3.25%	12 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.445%; Jumbo APY: 3.50% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
9 Month Standard Share Certificates	3.20%	3.25%	9 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.445%; Jumbo APY: 3.50% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional/Roth IRA Share Certificates - 12 Month	3.20%	3.25%	12 Month
Min Balance $1,000 Details Jumbo Dividend Rate: 3.445%, Jumbo APY: 3.50%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
60 Month Share Certificates with Rate Bump Option	3.15%	3.20%	60 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.400%, Jumbo APY: 3.45%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
48 Month Share Certificates with Rate Bump Option	3.06%	3.10%	48 Month
Min Balance $500 Details Jumbo Dividend Rate: 3.300%, Jumbo APY: 3.35%. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
2 month Certificate Builder	1.49%	1.50%	2 months
Details These rates are variable rates. Rates are compounded daily and paid monthly. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. A $15 inactivity fee may be charged after 2 months of no deposits. The dividend rates compounded daily and paid monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Savings Rates

Product	Rate	APY
Premium Savings	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000+; These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. The dividend rates compounded daily and paid monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Health Savings Account	1.98%	2.00%
Min Balance $50 Details These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Premium Savings	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 to $99,999; These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. The dividend rates compounded daily and paid monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Premium Savings	1.74%	1.75%
Min Balance $10,000 Details Balance: $10,000 to $49,999; These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. The dividend rates compounded daily and paid monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Premium Savings	1.49%	1.50%
Min Balance $500 Details Balance: $500 to $9,999; These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. The dividend rates compounded daily and paid monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Checking Rates

Product	Rate	APY
Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+; Dividends Compounded: Daily; Dividends Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Checking	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 to $99,999; Dividends Compounded: Daily; Dividends Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 to $49,999; Dividends Compounded: Daily; Dividends Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 to $9,999; Dividends Compounded: Daily; Dividends Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.75%
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	4.41%	36 Months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Credit Card Rates

Product	Rate	APR
Visa ONE Rewards Card	-	11.49%
Details Intro/promo APR: 1.90%; Intro rate expires: 6 months; Regular APR: 11.49% - 21.49%; A 2% fee applies on all cash advance amounts. Introductory rates and grace periods do not apply to cash advances. Minimum credit line $500. Rates and terms are subject to change. Not all will qualify for the lowest rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Visa Platinum	-	11.49%
Details Variable rate; Minimum $500 line of credit; No annual fee, no balance transfer fee, no foreign transaction fee; Cash advance fee is 2% of the advance amount. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.99%	12 Month
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Personal Loan	10.49%	24 Month
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Personal Loan	10.99%	36 Month
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Personal Loan	11.49%	48 Month
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Personal Loan	11.99%	60 month
Details As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

Ashland Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New Farm Equipment	7.74%	-	8.08%	0-36 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
New Farm Equipment	7.74%	-	8.00%	37-48 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
New Farm Equipment	7.74%	-	7.95%	49-60 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Used Farm Equipment	8.99%	-	9.33%	0-36 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Used Farm Equipment	8.99%	-	9.25%	37-48 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Used Farm Equipment	8.99%	-	9.20%	49-60 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Business Regular Share (S2)	0.50%	-	0.50%
Min Balance $0 Details Balance: $0 to $24.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Business Regular Share (S2)	0.50%	-	0.50%
Min Balance $25 Details Balance: $25 TO $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Business Regular Share (S2)	1.74%	-	1.75%
Min Balance $10,000 Details Balance: $10,000 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Business Regular Share (S2)	1.99%	-	2.00%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Regular Shares	0.50%	-	0.50%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%
Traditional / Roth IRA	1.98%	-	2.00%
Min Balance $5 Details Dividends Compounded: Daily; Dividends Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.04%

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

Ashland Credit Union’s Texas Ratio rose from 3.75% in Q2 2023 to 8.04% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
March 31, 2026	$412M	8.04%	5.0	A
December 31, 2025	$409M	8.09%	5.0	A
September 30, 2025	$409M	8.26%	5.0	A
June 30, 2025	$410M	6.66%	5.0	A
March 31, 2025	$408M	6.80%	5.0	A
December 31, 2024	$404M	7.89%	5.0	A
September 30, 2024	$403M	6.76%	5.0	A
June 30, 2024	$397M	5.19%	5.0	A+
March 31, 2024	$391M	4.12%	5.0	A+
December 31, 2023	$376M	4.33%	5.0	A+
September 30, 2023	$371M	3.28%	5.0	A+
June 30, 2023	$370M	3.75%	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 Ashland 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 Ashland 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 Ashland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ashland Credit Union

Website https://www.ashlandcu.org

Address 305 MARTIN LUTHER KING JR BLVD, ASHLAND, KY 41101

Phone 606-329-5489

Fax

President Marita Werner

CEO LARRY LUCAS

Full-Time Employees 83

Part-Time Employees 2

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.04%

Return on Assets (ROA)

0.0632%

Return on Equity (ROE)

0.5191%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

412,494,961

Total Amount of Shares and Deposits

354,864,400

Total Shares and Deposits < 1 Year

312,940,048

Total Shares and Deposits 1 3 Years

37,629,054

Total Shares and Deposits > 3 Years

4,295,298

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

14,538,624

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

14,538,624

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

340,325,776

Total Interest Expense (Sum of items 6 8)

2,324,442

Share Certificates

3,447

Number of Accounts for Share Drafts

13,217

IRA KEOGH Accounts

558

Number of Accounts for Regular Shares

53,508

All other shares

185

Money Market Shares

7,593

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)

34,483,326

Total Liabilities

365,375,049

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ashland Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Ashland Credit Union

How many branches does Ashland Credit Union operate?

Ashland 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 Ashland Credit Union?

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

Does Ashland Credit Union offer online and mobile banking?

Most modern institutions like Ashland 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.ashlandcu.org.

Current Ashland Credit Union Rates

12-Month CD3.25%
18-Month CD3.50%
24-Month CD3.35%
60-Month CD3.20%
Savings1.50%

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

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Ashland Credit Union Rates & Review September 2026

Brian McKay

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Ashland Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ashland Credit Union

How many branches does Ashland Credit Union operate?

Is a member application needed to join Ashland Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ashland Credit Union offer online and mobile banking?

Current Ashland Credit Union Rates

Compare to Other Credit Unions