What are the current interest rates at Azura Credit Union?

Current rates for Azura Credit Union include: 12-Month CD: 4.25%, 24-Month CD: 4.25%, 60-Month CD: 4.25%, Savings: 0.30%, MMA: 2.53%

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Azura Credit Union

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Azura Credit Union Rates & Review October 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: October 9, 2026

Azura Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 12 Month Business CD, 0.30% APY on savings, 2.53% APY on money market accounts, 4.07% APY on checking, rv, boat and powersport loans from 9.15% APR, and credit cards from 10.25% APR, according to rates verified by MonitorBankRates. Other Azura Credit Union CD rates include 12 Month CD at 4.25%, 12 Month IRA CD at 4.25%, and 24 Month Business CD at 4.25%. 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 4.29%. Rates last updated and verified on 10/09/2026.

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 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

4.29%

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

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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.

Azura Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	4.17%	4.25%	12 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53% Oct 9, 20264.25%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
12 Month IRA Certificate	4.17%	4.25%	12 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53% Oct 9, 20264.25%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
24 Month Certificate	4.17%	4.25%	24 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04% Oct 9, 20264.25%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
24 Month IRA Certificate	4.17%	4.25%	24 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04% Oct 9, 20264.25%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
36 Month IRA Certificate	4.17%	4.25%	36 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45% Oct 9, 20264.25%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
48 Month Certificate	4.17%	4.25%	48 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56% Oct 9, 20264.25%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
48 Month IRA Certificate	4.17%	4.25%	48 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56% Oct 9, 20264.25%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
60 Month Certificate	4.17%	4.25%	60 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66% Oct 9, 20264.25%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
60 Month IRA Certificate	4.17%	4.25%	60 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66% Oct 9, 20264.25%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
14 Month Certificate Special	3.82%	3.89%	14 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.89% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
14 month Special IRA Certificate	3.82%	3.89%	14 month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.00% → 3.89% ▼ 1.11 pts · high 5.00% / low 3.89% Oct 9, 20263.89%▼ from 5.00% Sep 18, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
30 month Bump Rate	3.50%	3.56%	30 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
6 Month Certificate	2.00%	2.02%	6 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
6 Month IRA Certificate	2.00%	2.02%	6 month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Certificate	4.17%	4.25%	12 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53% Oct 9, 20264.25%▲ from 2.53% Sep 18, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
24 Month Business Certificate	4.17%	4.25%	24 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04% Oct 9, 20264.25%▲ from 3.04% Sep 18, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
36 Month Business Certificate	4.17%	4.25%	36 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45% Oct 9, 20264.25%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
48 Month Business Certificate	4.17%	4.25%	48 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56% Oct 9, 20264.25%▲ from 3.56% Sep 18, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
60 Month Business Certificate	4.17%	4.25%	60 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66% Oct 9, 20264.25%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
14 Month Special Business Certificate	3.82%	3.89%	14 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.89% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
6 Month Business Certificate	2.00%	2.02%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Savings Rates

Product	Rate	APY	View More
Savings Account	-	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.30%	1.31%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	1.10%	1.11%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Money Market	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 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: 4.29%

Azura Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.50%	2.53%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	1.60%	1.61%
Min Balance $250,000 Details Balance: $250,000-$499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	1.00%	1.01%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Money Market	0.80%	0.80%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Checking Rates

Product	Rate	APY
Beyond Checking	4.00%	4.07%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Balance up to $15,000.00; Bonus Tiers** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
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 direct deposit or ACH transaction; enrolled in and agree to receive e-statements; 0.50% APY* on balances over $15,000.00; 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. 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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
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 direct deposit or ACH transaction; enrolled in and agree to receive e-statements; 4.07% APY* on balances up to $15,000.00; 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. 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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
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. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Beyond Checking	0.10%	0.10%
Min Balance $0 Details Balance: Base rate on all balances; Rate if requirements are not met** Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Forward Checking	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.47% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Loans - Fixed Rate	6.75%	-	6.87%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.87% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Line of Credit	-	-	7.00%
Details Loan to Value: Up to 80%; Rate: equal to prime Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Loans - Fixed Rate	7.25%	-	7.34%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Home Equity Line of Credit	-	-	9.00%
Details Loan to Value: Over 80.1% - 100%; Rate: equal to prime +2% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 2, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2021 & Newer Auto & Motorcycle	5.24%	-	5.45%	60 months
Details Model Year: 2021 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Auto Loan	-	-	5.45%
Details As Low As; Whether you're shopping for a new or used car, or looking to refinance your current loan for a lower rate or payment, we've got you covered. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
2020 & Older Auto & Motorcycle	5.24%	-	5.49%	48 months
Details Model Year: 2020 & Older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
2021 & Newer Auto & Motorcycle	5.74%	-	5.92%	72 months
Details Model Year: 2021 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.92% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
2020 & Older Auto & Motorcycle	5.74%	-	5.95%	60 months
Details Model Year: 2020 & Older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
2021 & Newer Auto & Motorcycle	6.49%	-	6.64%	84 months
Details Model Year: 2021 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
2020 & Older Auto & Motorcycle	6.49%	-	6.67%	72 months
Details Model Year: 2020 & Older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.67% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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 10/09/2026 Rate History No change since Sep 14, 2026 · 8.61% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans - 2021 & Newer	8.49%	8.61%	up to 84 months
Details Model Year: 2021 & Newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.61% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans - 2016 & Older	8.49%	8.63%	up to 72 months
Details Model Year: 2016 & Older Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	8.99%	9.15%	60 months
Details Model Year: 2021 & Newer Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans - 2021 & Newer	9.49%	9.55%	up to 180 months
Details Model Year: 2021 & Newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans - 2016 to 2020	9.49%	9.57%	up to 144 months
Details Model Year: 2016 to 2020 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.57% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.49%	9.65%	60 months
Details Model Year: 2020 & Older Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Boats & RV Loans - 2016 & Older	9.99%	10.08%	up to 120 months
Details Model Year: 2016 & Older Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.08% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

Azura Credit Union Credit Card Rates

Product	Rate	APR
Rewards Visa	-	10.25%
Details Additional APR listed for this product: 12.25%. As Low As; Same low rate for purchases, balance transfers and cash advances; Variable rate; No annual fee; No balance transfer fee; No cash-back fee; 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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.25% → 10.25% ▼ 2.00 pts · high 12.25% / low 10.25% Sep 22, 202610.25%▼ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Standard Visa	-	10.25%
Details Additional APR listed for this product: 12.25%. As Low As; 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 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 10.25% → 10.25% ▼ 0.00 pts · high 12.25% / low 10.25% Oct 9, 202610.25%▼ from 12.25% Sep 22, 202612.25%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Visa Standard Credit Card	-	10.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Visa Rewards Credit Card	-	12.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Visa Credit Card - Standard Rate	13.24%	13.24%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Business Visa Credit Card - Penalty Rate	17.24%	17.24%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 17.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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 10/09/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
ATVs, Personal Watercraft, and Non-Titled Motorcycle Loan	9.65%	60 months
Details Model Year: 2020 & Older Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Personal Loans	16.33%	Up to 60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.33% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%

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 10/09/2026 Rate History No change since Sep 14, 2026 · 9.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Land Loans	7.50%	-	8.62%	5 Years
Details LTV: up to 75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.62% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Land Loans	8.50%	-	9.11%	10 Years
Details LTV: up to 75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.11% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Land Loans	9.50%	-	9.96%	15 Years
Details LTV: up to 75% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.96% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
IRA Share Account	1.00%	-	1.01%
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.29%
Share Account	0.50%	-	0.50%
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: 4.29%

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

Azura Credit Union’s Texas Ratio fell from 4.89% in Q3 2023 to 4.29% 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	$852M	4.29%	5.0	A+
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+

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 186

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

4.29%

Return on Assets (ROA)

0.2764%

Return on Equity (ROE)

2.6881%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

851,874,246

Total Amount of Shares and Deposits

744,596,494

Total Shares and Deposits < 1 Year

681,908,658

Total Shares and Deposits 1 3 Years

57,998,913

Total Shares and Deposits > 3 Years

4,688,923

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

32,909,509

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

32,909,509

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

711,686,985

Total Interest Expense (Sum of items 6 8)

6,777,611

Share Certificates

7,203

Number of Accounts for Share Drafts

35,007

IRA KEOGH Accounts

3,018

Number of Accounts for Regular Shares

70,454

Money Market Shares

2,791

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

2,354,184

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)

75,436,224

Total Liabilities

764,497,853

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Azura Credit Union

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 CD4.25%
24-Month CD4.25%
60-Month CD4.25%
Savings0.30%
MMA2.53%

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

Compare to Other Credit Unions

Azura Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Azura Credit Union Texas Ratio

Azura Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

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