Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
BUFFALO CONRAIL Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
BUFFALO CONRAIL's top rates as of October 10, 2026 are 3.85% APY on its 12 Month CD, 0.50% APY on savings, 2.77% APY on money market accounts, 8.25% on its Miscellaneous Loan (tractor, farm equipment) mortgage, personal loans from 9.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other BUFFALO CONRAIL CD rates include 18 Month CD at 3.85%, 6 Month CD at 3.85%, and 9 Month CD at 3.85%. MonitorBankRates evaluates the financial stability of BUFFALO CONRAIL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.54%. Rates last updated and verified on 10/10/2026.
BUFFALO CONRAIL 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 BUFFALO CONRAIL? Share your experience about BUFFALO CONRAIL by leaving a review below, or read customer reviews before you decide to use BUFFALO CONRAIL.
BUFFALO CONRAIL has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
BUFFALO CONRAIL has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.54%
ExcellentLower than avg
BUFFALO CONRAIL Texas Ratio
BUFFALO CONRAIL's Texas Ratio is 0.54%, which is considered excellent and is lower than the national average of 6.13%.
BUFFALO CONRAIL has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.49% to 0.54% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
BUFFALO CONRAIL CD Rates
Product
Rate
APY
Term
View More
12 Month Share Certificate
-
3.85%
12 Months
Min Deposit$500
Last Updated10/10/2026
Rate History
1 change since Oct 6, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
Oct 10, 20263.85%▲ from 3.50%
Oct 6, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
18 Month Share Certificate
-
3.85%
18 Months
Min Deposit$500
Last Updated10/10/2026
Rate History
1 change since Oct 6, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
Oct 10, 20263.85%▲ from 3.50%
Oct 6, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
6 Month Share Certificate
-
3.85%
6 Months
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
9 Month Share Certificate
-
3.85%
9 Months
Min Deposit$500
Last Updated10/10/2026
Rate History
1 change since Oct 6, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
Oct 10, 20263.85%▲ from 3.70%
Oct 6, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
9 month Share Certificate
-
3.70%
9 months
Min Deposit$500
Last Updated10/10/2026
Rate History
2 changes since Oct 6, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 3.85% / low 3.70%
Oct 10, 20263.70%▼ from 3.85%
Oct 10, 20263.85%▲ from 3.70%
Oct 6, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
12 month Share Certificate
-
3.50%
12 months
Min Deposit$500
Last Updated10/10/2026
Rate History
2 changes since Oct 6, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.85% / low 3.50%
Oct 10, 20263.50%▼ from 3.85%
Oct 10, 20263.85%▲ from 3.50%
Oct 6, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
18 month Share Certificate
-
3.50%
18 months
Min Deposit$500
Last Updated10/10/2026
Rate History
2 changes since Oct 6, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.85% / low 3.50%
Oct 10, 20263.50%▼ from 3.85%
Oct 10, 20263.85%▲ from 3.50%
Oct 6, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Savings Rates
Product
Rate
APY
View More
Additional Savings Account
0.50%
0.50%
Min Deposit$0
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Christmas Club
0.50%
0.50%
Min Deposit$0
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Primary Savings Account
0.50%
0.50%
Min Deposit$25
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Share Account (Savings)
0.50%
0.50%
Min Deposit$25
Details$200 min to earn
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Money Market Rates
Product
Rate
APY
View More
Money Market
2.75%
2.77%
DetailsBalance $25,000.00 or greater
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 2.77% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Money Market Account
2.75%
2.77%
Min Balance$25,000
DetailsBalance: $25,000.00 and over
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.77% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Money Market
2.25%
2.26%
DetailsBalance $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 2.26% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Money Market Account
2.25%
2.26%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.26% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Money Market
1.75%
1.76%
DetailsBalance $2,500.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.76% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Money Market Account
1.75%
1.76%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.76% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Mortgage Rates
Product
Rate
Points
APR
Term
View More
Miscellaneous Loan (tractor, farm equipment)
-
-
8.25%
72 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity
-
-
6.25%
5 Years
DetailsMax $75,000
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.50% → 7.75% ▲ 1.25 pts · high 7.75% / low 6.25%
Oct 10, 20267.75%▲ from 6.25%
Sep 18, 20266.25%▼ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity
-
-
6.50%
10 Years
DetailsMax $75,000
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.75% → 8.00% ▲ 1.25 pts · high 8.00% / low 6.50%
Oct 10, 20268.00%▲ from 6.50%
Sep 18, 20266.50%▼ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Loan
-
-
7.75%
60 months
DetailsSpecial 6.50% up to $75,000
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.50% → 7.75% ▲ 1.25 pts · high 7.75% / low 6.25%
Oct 10, 20267.75%▲ from 6.25%
Sep 18, 20266.25%▼ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Loan
-
-
8.00%
120 months
DetailsSpecial 6.75% up to $75,000
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.75% → 8.00% ▲ 1.25 pts · high 8.00% / low 6.50%
Oct 10, 20268.00%▲ from 6.50%
Sep 18, 20266.50%▼ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity
-
-
8.25%
15 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Loan
-
-
8.25%
180 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity
-
-
8.50%
20 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Loan
-
-
8.50%
240 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Home Improvement
-
-
10.00%
5 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity 2026-25
-
-
10.25%
15 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 10.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Home Improvement (Light on Equity)
-
-
10.25%
10 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 10.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Home Improvement
-
-
10.50%
15 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Equity Mobile Home - 2024 or Older
-
-
10.50%
10 Years
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
4.25%
72 Months
DetailsModel Year: 2026 - 25
Last Updated10/10/2026
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: 0.54%
Auto Loan
-
-
4.50%
72 Months
DetailsModel Year: 2024
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
Sep 18, 20264.50%▲ from 4.25%
Sep 14, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
4.75%
Up to 60 Months
DetailsModel Year: 2023 - 17
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
5.00%
Up to 42 Months
DetailsModel Year: 2016 - 13
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
5.25%
84 Months
DetailsModel Year: 2026 - 25
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
5.25%
Up to 30 Months
DetailsModel Year: 2012 & Older
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
5.50%
84 Months
DetailsModel Year: 2024
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
5.75%
Up to 72 Months
DetailsModel Year: 2023 - 17
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.25% → 5.75% ▲ 1.50 pts · high 5.75% / low 4.25%
Sep 18, 20265.75%▲ from 4.25%
Sep 14, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
6.00%
Up to 60 Months
DetailsModel Year: 2016 - 13
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Auto Loan
-
-
6.25%
Up to 42 Months
DetailsModel Year: 2012 & Older
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Classic Car Loan
-
-
8.50%
60 Months
DetailsModel Year: Classic Car
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat, Camper, Travel Trailer Loan
-
7.25%
180 Months
DetailsModel Year: 2026-25
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Recreational Loan (2026-25)
-
7.25%
180 months
DetailsUp to $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
RV and Boat Loans
-
7.25%
DetailsSubject to credit approval. Rates subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Boat, Camper, Travel Trailer Loan
-
7.50%
180 Months
DetailsMaximum of $80,000.00; Model Year: 2024-23
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Recreational Loan (2024-23)
-
7.50%
180 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Boat, Camper, Travel Trailer Loan
-
7.75%
180 Months
DetailsModel Year: 2022
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Recreational Loan (2022)
-
7.75%
180 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motorcycle/Jet Ski/Snowmobile Loan (2026-25)
-
7.99%
72 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motorcycles, Jet Ski, Snowmobile Loan
-
7.99%
72 Months
DetailsModel Year: 2026-25
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Boat, Camper, Travel Trailer Loan
-
8.00%
120 Months
DetailsModel Year: 2021 and older
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Recreational Loan (2021 & older)
-
8.00%
120 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motorcycle/Jet Ski/Snowmobile Loan (2024 & older)
-
8.50%
60 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motorcycles, Jet Ski, Snowmobile Loan
-
8.50%
60 Months
DetailsModel Year: 2024 and older
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motor Home Loan
-
8.75%
180 Months
DetailsUp to 80% of the invoice.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motor Home/RV Loan (2026-25)
-
8.75%
180 months
DetailsUp to $125,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motor Home Loan
-
9.50%
120 Months
DetailsUp to 80% of the invoice.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Motor Home/RV Loan (2024 & older)
-
9.50%
120 months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 9.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Credit Card Rates
Product
Rate
APR
View More
VISA Credit Card
9.99%
9.99%
DetailsFixed rate
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 9.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Personal Loan Rates
Product
APR
Term
View More
Personal
9.99%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Consolidation
11.50%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 11.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Consolidation
11.75%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 11.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
BUFFALO CONRAIL Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business Loan
-
-
9.50%
Up to 120 Months
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 9.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Consolidation Loan
-
-
11.50%
72 months
DetailsUp to $30,000
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 11.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Consolidation Loan
-
-
11.75%
84 months
DetailsUp to $30,000
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 11.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Improvement Loan
-
-
10.00%
60 months
Details$15,000-$35,000, up to 80% of appraised value
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Improvement Loan
-
-
10.25%
120 months
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Home Improvement Loan
-
-
10.50%
180 months
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Mobile Home Loan (2024 & older)
-
-
10.50%
120 months
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Mobile Home Loan (2026-25)
-
-
10.25%
180 months
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Personal Loan
-
-
9.99%
72 months
DetailsUp to $15,000
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Share Secured Loan
-
-
3.00%
72 months
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Tractor, Plow, Lawn, Etc. Loan
-
-
8.25%
72 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Additional Share Account (Savings)
0.50%
-
0.50%
Min Deposit$0
Details$200 min to earn
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Christmas Club Account
0.50%
-
0.50%
Min Deposit$0
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Share Certificate
-
-
3.85%
6 months
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.54%
Financial Health History
BUFFALO CONRAIL’s Texas Ratio stayed near 0.49% in Q3 2023 to 0.54% 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.
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
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
$61M
0.54%
5.0
A+
March 31, 2026
$59M
0.73%
5.0
A+
December 31, 2025
$57M
0.74%
5.0
A+
September 30, 2025
$55M
1.06%
5.0
A+
June 30, 2025
$55M
0.71%
5.0
A+
March 31, 2025
$54M
0.40%
5.0
A+
December 31, 2024
$53M
0.89%
5.0
A+
September 30, 2024
$53M
0.22%
5.0
A+
June 30, 2024
$54M
0.00%
5.0
A+
March 31, 2024
$53M
0.04%
5.0
A+
December 31, 2023
$53M
0.36%
5.0
A+
September 30, 2023
$53M
0.49%
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 BUFFALO CONRAIL 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 BUFFALO CONRAIL 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 BUFFALO CONRAIL's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,824,925
Total Uninsured Shares and Deposits > $250K (F+J)
1,824,925
Total Insured Shares and Deposits > $250K (item 17 less item K)
45,290,076
Total Interest Expense (Sum of items 6 8)
304,392
Share Certificates
298
Number of Accounts for Share Drafts
811
Number of Accounts for Regular Shares
2,945
Money Market Shares
42
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)
13,183,037
Total Liabilities
47,426,336
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
BUFFALO CONRAIL 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for BUFFALO CONRAIL yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for BUFFALO CONRAIL
Frequently Asked Questions About BUFFALO CONRAIL
How many branches does BUFFALO CONRAIL operate?
BUFFALO CONRAIL 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 BUFFALO CONRAIL?
Yes, to access services at BUFFALO CONRAIL, 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, BUFFALO CONRAIL 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, BUFFALO CONRAIL provides members with tools to manage their accounts and build a solid financial history.
Does BUFFALO CONRAIL offer online and mobile banking?
Most modern institutions like BUFFALO CONRAIL 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://bufconfcu.com.
Current BUFFALO CONRAIL Rates
12-Month CD3.50%
18-Month CD3.50%
Savings0.50%
MMA2.77%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
