What are the current interest rates at Azura Credit Union?

Current rates for Azura Credit Union include: 12-Month CD: 2.53%, 24-Month CD: 3.04%, 60-Month CD: 3.66%, Savings: 0.30%, MMA: 0.50%

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Azura Credit Union

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Azura Credit Union Rates & Review September 2026

Q: How many branches does Azura Credit Union operate?

Azura 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 Azura Credit Union?

Yes, to access services at Azura 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, Azura 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, Azura 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

Azura Credit Union's 14 Month CD Special rates are at 3.89%, Business CDs - 14 Month Special rates are at 3.89%, IRA CD 14 month Special rates are at 3.89%, 60 Month CD rates are at 3.66%, 60 Month IRA CD rates are at 3.66%. Azura Credit Union's savings rates are at 0.30%. Azura Credit Union's money market rates are at 0.50%. Azura Credit Union's RV, Boat and Powersport Loan Rates are as low as 9.15%. Azura Credit Union's Credit Card Rates are at 10.25%. MonitorBankRates evaluates the financial stability of Azura Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.93%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 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

4.93%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Azura Credit Union
10th Street Office

610 SW 10th Ave
Topeka, KS 66612

https://www.azuracu.com

Azura Credit Union CD Rates

Product	Rate	APY	Term
14 Month Certificate Special	3.82%	3.89%	14 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 14 Month Special	3.82%	3.89%	14 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
IRA Certificate 14 month Special	3.82%	3.89%	14 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
60 Month Certificate	3.60%	3.66%	60 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
60 Month IRA Certificate	3.60%	3.66%	60 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 60 Month	3.60%	3.66%	60 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
30 month Bump Rate	3.50%	3.56%	30 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
30 Month IRA Certificate	3.50%	3.56%	30 month Bump Rate*
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
48 Month Certificate	3.50%	3.56%	48 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
48 Month IRA Certificate	3.50%	3.56%	48 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 30 Month Bump Rate	3.50%	3.56%	30 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 48 Month	3.50%	3.56%	48 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
36 Month Certificate	3.40%	3.45%	36 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
36 Month IRA Certificate	3.40%	3.45%	36 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 36 Month	3.40%	3.45%	36 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
24 Month Certificate	3.00%	3.04%	24 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
24 Month IRA Certificate	3.00%	3.04%	24 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 24 Month	3.00%	3.04%	24 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
12 Month Certificate	2.50%	2.53%	12 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
12 Month IRA Certificate	2.50%	2.53%	12 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 12 Month	2.50%	2.53%	12 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
6 Month Certificate	2.00%	2.02%	6 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
6 Month IRA Certificate	2.00%	2.02%	6 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Certificates - 6 Month	2.00%	2.02%	6 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Savings Rates

Product	Rate	APY
Business Savings	0.30%	0.30%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Savings Account	-	0.30%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	2.50%	2.53%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Money Market	1.60%	1.61%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Money Market	1.30%	1.31%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Money Market	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Money Market	1.10%	1.11%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Money Market	1.00%	1.01%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Money Market	0.80%	0.80%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Money Market	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Checking Rates

Product	Rate	APY
Beyond Checking	4.00%	4.07%
Min Balance $0 Details Balance: up to $15,000.00; Bonus Tiers; Qualifications Required; Rate if requirements are not met Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Beyond Checking	-	4.07%
Min Deposit $25 Min Balance $15,000 Details Qualifications Required: 15 debit card purchases, each $5 or greater; at least one (1) direct deposit or ACH transaction; enrolled in and agree to receive e-statements; 0.50% APY* on balances over $15,000; 0.10% APY* if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (Up to $12 monthly); No minimum balance to earn rewards; No monthly maintenance fee; Rate accurate as of 1.1.25 and may change after the account is opened. Fees could reduce earnings. Bonus rate requirements per qualification cycle: receive e-statements, one (1) direct deposit or ACH transaction, and 15 debit card transactions of at least $5.00 each that post and clear your account. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. +If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Beyond Checking	-	0.50%
Min Deposit $25 Min Balance $15,000 Details Qualifications Required: 15 debit card purchases, each $5 or greater; at least one (1) direct deposit or ACH transaction; enrolled in and agree to receive e-statements; 4.07% APY* on balances up to $15,000; 0.10% APY* if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (Up to $12 monthly); No minimum balance to earn rewards; No monthly maintenance fee; Rate accurate as of 1.1.25 and may change after the account is opened. Fees could reduce earnings. Bonus rate requirements per qualification cycle: receive e-statements, one (1) direct deposit or ACH transaction, and 15 debit card transactions of at least $5.00 each that post and clear your account. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. +If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Above Checking	-	0.15%
Min Deposit $25 Min Balance $100 Details APY = Annual Percentage Yield. Rate may change after the account is opened. Fees could reduce earnings. Balances over $100 earn 0.15% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Forward Checking	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Beyond Checking	0.10%	0.10%
Min Balance $0 Details Base rate on all balances; Rate if requirements are not met** Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - Fixed Rate	6.25%	-	6.47%	5 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Home Equity Line of Credit	-	-	6.75%
Details Loan to Value: Up to 80%; equal to prime Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Home Equity Loans - Fixed Rate	6.75%	-	6.87%	10 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Home Equity Loans - Fixed Rate	7.25%	-	7.34%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Home Equity Line of Credit	-	-	8.75%
Details Loan to Value: Over 80.1% - 100%; equal to prime +2% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle - 2021 & Newer	5.24%	-	5.45%	60 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Auto Loans	-	-	5.45%
Details As Low As; affordable payments and local services. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Auto & Motorcycle - 2020 & Older	5.24%	-	5.49%	48 months
Details Model Year: 2020 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Auto & Motorcycle - 2021 & Newer	5.74%	-	5.92%	72 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Auto & Motorcycle - 2020 & Older	5.74%	-	5.95%	60 months
Details Model Year: 2020 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Auto & Motorcycle - 2021 & Newer	6.49%	-	6.64%	84 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Auto & Motorcycle - 2020 & Older	6.49%	-	6.67%	72 months
Details Model Year: 2020 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & RV Loans - 2016 to 2020	8.49%	8.61%	up to 84 months
Details Model Year: 2016 to 2020 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Boats & RV Loans - 2021 & Newer	8.49%	8.61%	up to 84 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Boats & RV Loans - 2016 & Older	8.49%	8.63%	up to 72 months
Details Model Year: 2016 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	8.99%	9.15%	60 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Boats & RV Loans - 2021 & Newer	9.49%	9.55%	up to 180 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Boats & RV Loans - 2016 to 2020	9.49%	9.57%	up to 144 months
Details Model Year: 2016 to 2020 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.49%	9.65%	60 months
Details Model Year: 2020 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Boats & RV Loans - 2016 & Older	9.99%	10.08%	up to 120 months
Details Model Year: 2016 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Credit Card Rates

Product	Rate	APR
Rewards Visa	-	10.25%
Details Competitive rate as low as 10.25% APR; Earns cash back; Online & Mobile Banking; Free e-statements; Mobile Wallet (Apple, Google, Samsung); Card Controls; Tap to Pay Technology; Chip-Enabled; Nationwide ATM Access Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Visa Standard Credit Card	-	10.25%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Standard Visa	-	12.25%
Details Competitive rate as low as 12.25% APR; Variable rate; No annual fee; No balance transfer fee; No cash-back fee; Online & Mobile Banking; Free e-statements; Mobile Wallet (Apple, Google, Samsung); Card Controls; Tap to Pay Technology; Chip-Enabled; Nationwide ATM Access Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Visa Rewards Credit Card	-	12.25%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Visa Credit Card - Standard Rate	-	13.24%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Business Visa Credit Card - Penalty Rate	-	17.24%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Personal Loan Rates

Product	APR	Term
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.15%	60 months
Details Model Year: 2021 & Newer Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.65%	60 months
Details Model Year: 2020 & Older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Personal Loans	16.33%	Up to 60 months
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

Azura Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Custom Construction Loan	9.50%	-	9.89%
Details LTV: up to 85% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Land Loans	7.50%	-	8.62%	5 Years
Details LTV: up to 75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Land Loans	8.50%	-	9.11%	10 Years
Details LTV: up to 75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Land Loans	9.50%	-	9.96%	15 Years
Details LTV: up to 75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Share Account	1.00%	-	1.01%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%
Share Account	0.50%	-	0.50%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.93%

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

Azura Credit Union’s Texas Ratio stayed near 4.67% in Q2 2023 to 4.93% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; 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	$852M	4.93%	5.0	A+
December 31, 2025	$830M	4.74%	5.0	A+
September 30, 2025	$824M	3.53%	5.0	A+
June 30, 2025	$827M	6.37%	5.0	A
March 31, 2025	$828M	7.39%	5.0	A
December 31, 2024	$808M	6.88%	5.0	A
September 30, 2024	$830M	5.67%	5.0	A+
June 30, 2024	$822M	5.66%	5.0	A+
March 31, 2024	$826M	4.97%	5.0	A+
December 31, 2023	$784M	5.41%	5.0	A+
September 30, 2023	$766M	4.89%	5.0	A+
June 30, 2023	$765M	4.67%	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 Azura 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 Azura 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 Azura Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Azura Credit Union

Website https://www.azuracu.com

Address 610 SW 10th Ave, Topeka, KS 66612

Phone 785-233-5556

Fax 785-233-4850

President Bradford Deiter

CEO Greg Winkler

Full-Time Employees 185

Part-Time Employees 4

Branch Locations 11

ATM Locations 15

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

4.93%

Return on Assets (ROA)

0.1207%

Return on Equity (ROE)

1.1924%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

851,897,996

Total Amount of Shares and Deposits

747,532,945

Total Shares and Deposits < 1 Year

703,263,342

Total Shares and Deposits 1 3 Years

39,823,692

Total Shares and Deposits > 3 Years

4,445,912

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

30,291,981

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

30,291,981

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

717,240,964

Total Interest Expense (Sum of items 6 8)

3,404,321

Share Certificates

7,590

Number of Accounts for Share Drafts

34,673

IRA KEOGH Accounts

3,066

Number of Accounts for Regular Shares

70,622

Money Market Shares

2,749

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

1,028,460

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)

83,754,061

Total Liabilities

765,936,228

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Azura Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Azura Credit Union

How many branches does Azura Credit Union operate?

Azura 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 Azura Credit Union?

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

Does Azura Credit Union offer online and mobile banking?

Most modern institutions like Azura 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.azuracu.com.

Current Azura Credit Union Rates

12-Month CD2.53%
24-Month CD3.04%
60-Month CD3.66%
Savings0.30%
MMA0.50%

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

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Azura Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

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Financials

Azura Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Azura Credit Union

How many branches does Azura Credit Union operate?

Is a member application needed to join Azura Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Azura Credit Union offer online and mobile banking?

Current Azura Credit Union Rates

Compare to Other Credit Unions