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Boulder Dam Credit Union Rates & Review October 2026

Boulder Dam Credit Union's top rates as of October 10, 2026 are 3.04% APY on savings, 5.49% on its 1st Mortgage (10 Year), personal loans from 8.00% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other Boulder Dam Credit Union mortgage rates include 30-Year Interest RebateHome Mortgage at 5.49%, 1st Mortgage (15 Year) at 5.74%, and 1st Mortgage (30 Year) at 6.24%. MonitorBankRates evaluates the financial stability of Boulder Dam Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.59%. Rates last updated and verified on 10/10/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.59%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Boulder Dam Credit Union
BOULDER DAM CU
530 AVENUE G
BOULDER CITY, NV 89005
https://www.boulderdamcu.org
Privately insuredNot NCUA
Customer Reviews
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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.

Boulder Dam Credit Union Savings Rates

Product Rate APY View More
IRA Savings 3.00% 3.04%
Min Deposit $5
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Primary Savings 2.00% 2.02%
Min Deposit $5
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Secondary Savings 2.00% 2.02%
Min Deposit $5
Min Balance $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage (10 Year) - - 5.49% 120 Months
Details Interest Refund: N/A; Net Rate: N/A
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 18, 2026: 5.24% APROct 2, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Oct 2, 20265.49%▲ from 5.24%
  • Sep 18, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
30-Year Interest RebateHome Mortgage 5.49% - 5.49% 10-years
Details Shorter term with lower rate
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APRSep 22, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
1st Mortgage (15 Year) - - 5.74% 180 Months
Details Interest Refund: N/A; Net Rate: N/A
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 18, 2026: 5.49% APROct 2, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
  • Oct 2, 20265.74%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
1st Mortgage (30 Year) - - 6.24% 360 Months
Details Interest Refund: N/A; Net Rate: N/A
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 22, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
30-Year Interest RebateHome Mortgage 6.24% - 6.24% 30-years
Details Lock in your rate for 30 years
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 22, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
30-Year Interest RebateHome Mortgage 8.00% - 8.00% 30-years
Details Fixed rate of 8.00% with 20% rebate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity 1st - - 6.24% Up to 360 Months
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 22, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Home Equity HELOC 1st - - 6.24% 180 Months
Details Line of Credit Limit: 90% of appraised value, up to $400K
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 22, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Home Equity Line of Credit (HELOC) 6.24% - 6.24% 360 months
Details As Low As; Up to 90% of appraised value or selling price.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 22, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Home Equity Line of Credit (HELOC) 6.24% - 6.24% 180 months
Details As Low As; Up to 90% of appraised value or selling price.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APRSep 22, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Home Equity 2nd - - 8.00% Up to 360 Months
Details Interest Refund: 20%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Home Equity HELOC 2nd - - 8.00% 180 Months
Details Line of Credit Limit: 80% of appraised value, up to $400K; Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Home Equity Loan 8.00% - 8.00% 360-month
Details BDCU does not charge fees for Home Equity loans but 3rd party fees may apply. These could include flood insurance, excess title fees, and appraisal fees. 3rd party fees generally do not exceed 1% of the loan balance. Other terms, and conditions may apply. Financing Example: A Home Equity Loan of $50,000 at 8.00% APR for a 360-month term results in a monthly payment of approximately $365.00.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 4.99% Up to 96 Months
Details Loan Type: New Auto (2025/2026)
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Used Auto - - 4.99% Up to 84 Months
Details Loan Type: Used Auto (2025 or older)
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Boat Loan - 8.00% Up to 144 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
New Motor Home Loan - 8.00% Up to 144 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
New Travel Trailer Loan - 8.00% Up to 144 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Recreational Vehicle Loan 8.00% 8.00% 144-month
Details Financing Example: A Recreational Vehicle Loan of $35,000 at 8.00% APR for a 144-month term results in a monthly payment of approximately $377.00.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Used Boat Loan - 8.00% Up to 108 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Used Motor Home Loan - 8.00% Up to 120 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%
Used Travel Trailer Loan - 8.00% Up to 120 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union Credit Card Rates

Product Rate APR View More
VISA Credit Card Loans - Purchases - 13.00%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 13.00% APR
12.50%13.00%13.50%Oct 10, 2026: 13.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 8.00% Up to 36 Months
Details Interest Refund: 20%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Boulder Dam Credit Union Other Rates

Product Rate Points APY/APR Term View More
Commercial Loan - - 8.00% Up to 240 Months
Details Interest Refund: 20%; Net Rate: 6.40%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.59%

Financial Health History

Boulder Dam Credit Union’s Texas Ratio stayed near 0.13% in Q3 2023 to 0.59% 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.13% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.59% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$872M0.59%5.0A+
March 31, 2026$865M0.60%5.0A+
December 31, 2025$865M0.23%5.0A+
September 30, 2025$856M0.16%5.0A+
June 30, 2025$852M0.32%5.0A+
March 31, 2025$847M0.22%5.0A+
December 31, 2024$829M0.34%5.0A+
September 30, 2024$819M0.20%5.0A+
June 30, 2024$804M0.10%5.0A+
March 31, 2024$813M0.00%5.0A+
December 31, 2023$808M0.13%5.0A+
September 30, 2023$804M0.13%5.0A+
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 Boulder Dam 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 Boulder Dam 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 Boulder Dam Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Boulder Dam Credit Union
Address 530 AVENUE G, BOULDER CITY, NV 89005
Phone 702-293-7777
Fax 702-293-0731
President Robert Merrell
CEO Steele Hendrix
Full-Time Employees 47
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
NCUA Insured No, not federally insured
Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.59%
Return on Assets (ROA)
0.7314%
Return on Equity (ROE)
4.9401%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
871,540,403
Total Amount of Shares and Deposits
749,923,854
Total Shares and Deposits < 1 Year
749,923,854
Total Interest Expense (Sum of items 6 8)
6,739,642
Number of Accounts for Share Drafts
14,970
IRA KEOGH Accounts
1,323
Number of Accounts for Regular Shares
23,174
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)
93,532,203
Total Liabilities
750,914,961
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Boulder Dam 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/boulder-dam-credit-union-rates-review-96084">
  <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.

Customer Reviews

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Frequently Asked Questions About Boulder Dam Credit Union

How many branches does Boulder Dam Credit Union operate?

Boulder Dam 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 Boulder Dam Credit Union?

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

Does Boulder Dam Credit Union offer online and mobile banking?

Most modern institutions like Boulder Dam 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.boulderdamcu.org.

Current Boulder Dam Credit Union Rates

  • Savings3.04%
Retrieved from our database of financial products. Rates subject to change.