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Belton Federal Credit Union

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Belton Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Belton 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, Belton 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 13, 2026

Belton Federal Credit Union's top rate as of October 13, 2026 is personal loans from 8.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Belton Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.90%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Belton Federal Credit Union
Belton Federal Credit Union

400 N Wall St
Belton, TX 76513

http://beltonfcu.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.

Belton Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	1.99%	-	1.99%	12 months
Details 1 yr. old or newer vehicles. Pending credit approval Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
New Vehicle 2025 and newer Loan	-	-	4.85%	up to 48 months
Details As low as; rates are set according to credit rating Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
New Vehicle 2025 and newer Loan	-	-	4.90%	up to 60 months
Details As low as; rates are set according to credit rating Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
Used Vehicles 2016-2024 Loan	-	-	5.25%	36 months
Details As low as; Dealership rate matching on new and/or used vehicles per board approval. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
Used Vehicles 2016-2024 Loan	-	-	5.45%	48 months
Details As low as; Dealership rate matching on new and/or used vehicles per board approval. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
New Vehicle 2025 and newer Loan	-	-	5.49%	up to 72 months
Details As low as; rates are set according to credit rating Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
Used Vehicles 2016-2024 Loan	-	-	5.59%	60 months
Details As low as; Dealership rate matching on new and/or used vehicles per board approval. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
Used Vehicles 2016-2024 Loan	-	-	5.99%	72 months
Details As low as; Dealership rate matching on new and/or used vehicles per board approval. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
New Vehicle 2025 and newer Loan	-	-	6.59%	up to 84 months
Details As low as; rates are set according to credit rating Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%

Belton Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Consolidated Education Loans	-	-	3.50%	5 years
Details Term: maximum payout of 5 years; As low as, with a $25,000 loan limit. Checks for Consolidated Education Loans must be made directly to the educational institution. Consolidated Education Loans are subject to board approval and will only be considered for top two credit scoring tiers. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%
Education Loans	-	-	6.50%
Details As low as, with a potential to borrow up to $9000 per year for a maximum of 5 years and a total amount available per student of $45,000. rates, amount available and length allowed is contingent on credit scoring and board approval. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%

Belton Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal/Unsecured Loans	8.00%	up to 36 months
Details Published APR range: 8.00 - 17.99%. Rate, amount and length of payout set according to credit rating. May be renewed every 6 months if there have been no delinquencies on BFCU loans Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%

Belton Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
STS (Short-Term-Small Amount) Loans	-	-	25.00%	6 months
Details Additional APR listed for this product: 28%. Term: maximum payout of 6 months; $300 - $1000 Loan Amounts Available, with maximum payout of 6 months NO CREDIT CHECK $30 Application Processing Fee, if payroll deducted (28% APR, if not) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 25.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.90%

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

Belton Federal Credit Union’s Texas Ratio rose from 1.61% in Q3 2023 to 10.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 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
June 30, 2026	$4M	10.90%	5.0	A
March 31, 2026	$4M	9.17%	5.0	A
December 31, 2025	$4M	6.48%	5.0	A
September 30, 2025	$4M	1.55%	5.0	A+
June 30, 2025	$4M	6.44%	5.0	A
March 31, 2025	$4M	12.72%	5.0	A
December 31, 2024	$4M	14.52%	5.0	A-
September 30, 2024	$4M	12.70%	5.0	A
June 30, 2024	$4M	11.75%	5.0	A
March 31, 2024	$4M	12.53%	5.0	A
December 31, 2023	$4M	7.66%	5.0	A
September 30, 2023	$4M	1.61%	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 Belton 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 Belton 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 Belton Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Belton Federal Credit Union

Website http://beltonfcu.com

Address 400 N Wall St, Belton, TX 76513

Phone 254-215-2025

Fax 254-215-2093

President Grace McDonald

CEO Tiffany Holman

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.90%

Return on Assets (ROA)

-1.1461%

Return on Equity (ROE)

-8.0306%

Non-Performing Loans Ratio (NPL)

4.41%

Total Assets

4,309,350

Total Amount of Shares and Deposits

3,685,850

Total Shares and Deposits < 1 Year

3,685,850

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

3,685,850

Total Interest Expense (Sum of items 6 8)

14,693

Share Certificates

Number of Accounts for Share Drafts

119

Number of Accounts for Regular Shares

607

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,622,692

Total Liabilities

3,694,328

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Belton Federal 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/belton-rates-review-15565">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Belton Federal Credit Union

How many branches does Belton Federal Credit Union operate?

Belton 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 Belton Federal Credit Union?

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

Does Belton Federal Credit Union offer online and mobile banking?

Most modern institutions like Belton 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: http://beltonfcu.com.