What are the current interest rates at Berkeley Community Federal Credit Union?

Current rates for Berkeley Community Federal Credit Union include: 12-Month CD: 0.10%, 18-Month CD: 0.15%, 24-Month CD: 0.25%, 60-Month CD: 0.90%, Savings: 0.05%

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Berkeley Community Federal Credit Union

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Berkeley Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Berkeley Community 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 9, 2026

Berkeley Community Federal Credit Union's top rates as of October 9, 2026 are 0.90% APY on its 60 Month CD, 0.05% APY on savings, and personal loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Berkeley Community Federal Credit Union CD rates include 36 Month CD at 0.30%, 24 Month CD at 0.25%, and 18 Month CD at 0.15%. MonitorBankRates evaluates the financial stability of Berkeley Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.60%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

7.60%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Berkeley Community Federal Credit Union
Berkeley Community Federal Credit Union

600 Main Street Ext
Moncks Corner, SC 29461-3939

https://www.berkcofcu.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.

Berkeley Community Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificate	0.90%	0.90%	60 Months
Min Balance $500 Details Balance: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
36 Month Share Certificate	0.30%	0.30%	36 Months
Min Balance $500 Details Balance: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
24 Month Share Certificate	0.25%	0.25%	24 Months
Min Balance $500 Details Balance: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
18 Month Share Certificate	0.15%	0.15%	18 Months
Min Balance $500 Details Balance: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
12 Month Share Certificate	0.10%	0.10%	12 Months
Min Balance $500 Details Balance: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
6 Month Share Certificate	0.05%	0.05%	6 Months
Min Balance $500 Details Balance: $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Berkeley Community Federal Credit Union Savings Rates

Product	Rate	APY
IRA Regular Share (Savings)	0.05%	0.05%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Regular Share (Savings)	0.02%	0.02%
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Berkeley Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Automobiles(Cars,Trucks, SUVs)	-	-	3.75%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Used Auto	-	-	4.00%
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Berkeley Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motor Homes Loan	-	4.25%
Details Additional APR listed for this product: 4.65%. As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Motorcycles Loan	-	4.75%
Details Additional APR listed for this product: 5.25%. As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Boats, Motors Loan	-	5.25%
Details Additional APR listed for this product: 5.75%. As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Berkeley Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	7.00%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

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

Berkeley Community Federal Credit Union’s Texas Ratio rose from 5.81% in Q3 2023 to 7.60% 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	$17M	7.60%	5.0	A
March 31, 2026	$17M	4.56%	5.0	A+
December 31, 2025	$17M	5.37%	5.0	A+
September 30, 2025	$17M	3.16%	5.0	A+
June 30, 2025	$18M	5.55%	5.0	A+
March 31, 2025	$17M	3.80%	5.0	A+
December 31, 2024	$16M	2.75%	5.0	A+
September 30, 2024	$16M	3.34%	5.0	A+
June 30, 2024	$16M	4.17%	5.0	A+
March 31, 2024	$16M	5.73%	5.0	A+
December 31, 2023	$16M	6.11%	5.0	A
September 30, 2023	$16M	5.81%	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 Berkeley Community 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 Berkeley Community 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 Berkeley Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Berkeley Community Federal Credit Union

Website https://www.berkcofcu.com

Address 600 Main Street Ext, Moncks Corner, SC 29461-3939

Phone 843-761-8298

Fax 843-761-2013

President Mary Hill

CEO Max Jones

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 2

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 (96/100)

Texas Ratio

7.60%

Return on Assets (ROA)

1.2566%

Return on Equity (ROE)

6.3775%

Non-Performing Loans Ratio (NPL)

5.60%

Total Assets

16,648,249

Total Amount of Shares and Deposits

13,333,813

Total Shares and Deposits < 1 Year

12,929,809

Total Shares and Deposits 1 3 Years

341,168

Total Shares and Deposits > 3 Years

62,836

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

13,333,813

Total Interest Expense (Sum of items 6 8)

5,439

Share Certificates

162

Number of Accounts for Share Drafts

1,527

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,451

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

209,211

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)

6,101,930

Total Liabilities

13,367,795

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Berkeley Community 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/berkeley-community-federal-credit-union-rates-review-13472">
  <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 Berkeley Community Federal Credit Union

How many branches does Berkeley Community Federal Credit Union operate?

Berkeley Community 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 Berkeley Community Federal Credit Union?

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

Does Berkeley Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Berkeley Community 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.berkcofcu.com.