What are the current interest rates at Avanti Federal Credit Union?

Current rates for Avanti Federal Credit Union include: 12-Month CD: 3.60%, 18-Month CD: 3.70%, 24-Month CD: 3.50%, 60-Month CD: 3.10%, Savings: 0.30%, MMA: 0.75%

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Avanti Federal Credit Union

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Avanti Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Avanti 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, Avanti 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: October 12, 2026

Avanti Federal Credit Union's top rates as of October 12, 2026 are 3.70% APY on its CD - 18 Month CD, 0.30% APY on savings, and 0.75% APY on money market accounts, according to rates verified by MonitorBankRates. Other Avanti Federal Credit Union CD rates include CD - 12 Month CD at 3.60%, CD - 24 Month CD at 3.50%, and CD - 6 Month CD at 3.50%. MonitorBankRates evaluates the financial stability of Avanti Federal Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 19.04%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade

B+

Good Health Score: 87/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

19.04%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Avanti Federal Credit Union
Avanti Federal Credit Union

1620 4th St NE
Watertown, SD 57201-8604

https://www.avantifcu.net

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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.

Avanti Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 18 Month CD	3.63%	3.70%	18 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Share Certificate - 12 Month CD	3.54%	3.60%	12 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Share Certificate - 24 Month CD	3.44%	3.50%	24 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Share Certificate - 6 Month CD	3.45%	3.50%	6 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Share Certificate - 36 Month CD	3.19%	3.25%	36 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Share Certificate - 48 Month CD	3.10%	3.15%	48 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Share Certificate - 60 Month CD	3.05%	3.10%	60 months
Min Balance $2,500 Details Share Certificate $2,500 min; Early withdrawal subject to 90 day dividend penalty Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%

Avanti Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.40%	0.40%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.40% APY · checked 6 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Regular Shares/Savings	0.30%	0.30%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 6 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%

Avanti Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 minimum Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 6 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%
Money Market	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 minimum Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%

Avanti Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Kids 18 and under	0.40%	-	0.40%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.40% APY · checked 6 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 19.04%

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

Avanti Federal Credit Union’s Texas Ratio rose from 2.75% in Q3 2023 to 19.04% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A+ to B+. 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	$32M	19.04%	4.7	B+
March 31, 2026	$32M	18.48%	4.7	B+
December 31, 2025	$32M	15.97%	4.9	A-
September 30, 2025	$32M	16.54%	4.9	A-
June 30, 2025	$33M	10.41%	5.0	A
March 31, 2025	$34M	8.95%	5.0	A
December 31, 2024	$34M	10.50%	5.0	A
September 30, 2024	$32M	5.37%	5.0	A+
June 30, 2024	$31M	16.48%	4.9	A-
March 31, 2024	$31M	15.69%	4.9	A-
December 31, 2023	$31M	11.92%	5.0	A
September 30, 2023	$32M	2.75%	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 Avanti 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 Avanti 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 Avanti Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Avanti Federal Credit Union

Website https://www.avantifcu.net

Address 1620 4th St NE, Watertown, SD 57201-8604

Phone 605-882-2357

Fax 605-882-4520

President Todd West

CEO Austin Petrik

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

B+ (87/100)

Texas Ratio

19.04%

Return on Assets (ROA)

0.4701%

Return on Equity (ROE)

4.1654%

Non-Performing Loans Ratio (NPL)

4.00%

Total Assets

31,770,018

Total Amount of Shares and Deposits

28,106,594

Total Shares and Deposits < 1 Year

24,916,997

Total Shares and Deposits 1 3 Years

3,189,597

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

1,969,044

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

1,969,044

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

26,137,550

Total Interest Expense (Sum of items 6 8)

211,153

Share Certificates

304

Number of Accounts for Share Drafts

880

Number of Accounts for Regular Shares

3,045

Money Market Shares

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

131,356

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)

3,636,644

Total Liabilities

28,184,378

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Avanti Federal Credit Union

How many branches does Avanti Federal Credit Union operate?

Avanti 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 Avanti Federal Credit Union?

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

Does Avanti Federal Credit Union offer online and mobile banking?

Most modern institutions like Avanti 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://www.avantifcu.net.