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Cadets Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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 12, 2026

Cadets Federal Credit Union's top rates as of October 12, 2026 are 4.06% APY on its 4 Year IRA CD Accounts, 6.00% on its Mortgages - 10 Year, and personal loans from 6.25% APR, according to rates verified by MonitorBankRates. Other Cadets Federal Credit Union CD rates include 5 Year IRA CD Accounts at 4.06%, 2 Year IRA CD Accounts at 3.93%, and 3 Year IRA CD Accounts at 3.93%. Other Cadets Federal Credit Union mortgage rates include Mortgages - 15 Year at 6.50%, Mortgages - 20 Year at 7.00%, and Non-Owner Occupied - 10 Year Mortgage at 7.00%. MonitorBankRates evaluates the financial stability of Cadets Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.25%. Rates last updated and verified on 10/12/2026.

Cadets 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 Cadets Federal Credit Union? Share your experience about Cadets Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cadets Federal 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: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.25%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Cadets Federal Credit Union
CADETS FEDERAL CREDIT UNION
1751 TRANSIT RD
ELMA, NY 14059-9687
https://cadetsfcu.com/
Member 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.

Cadets Federal Credit Union CD Rates

Product Rate APY Term View More
4 Year IRA Share Certificate Accounts 4.00% 4.06% 4 Year
Min Balance $100,000
Details Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
5 Year IRA Share Certificate Accounts 4.00% 4.06% 5 Year
Min Balance $100,000
Details Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
2 Year IRA Share Certificate Accounts 3.875% 3.932% 2 Year
Min Balance $100,000
Details Balance: $100,000 - $250,000; 6-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 4, 2026: 3.93% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
3 Year IRA Share Certificate Accounts 3.875% 3.932% 3 Year
Min Balance $100,000
Details Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 4, 2026: 3.93% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
4 Year IRA Share Certificate Accounts 3.875% 3.932% 4 Year
Min Balance $50,000
Details Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 4, 2026: 3.93% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
5 Year IRA Share Certificate Accounts 3.875% 3.932% 5 Year
Min Balance $50,000
Details Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 4, 2026: 3.93% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
12 Month IRA Share Certificate Accounts 3.75% 3.803% 12 Month
Min Balance $100,000
Details Balance: $100,000 - $250,000; 4-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
18 Month IRA Share Certificate Accounts 3.75% 3.803% 18 Month
Min Balance $100,000
Details Balance: $100,000 - $250,000; 4-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
2 Year IRA Share Certificate Accounts 3.75% 3.803% 2 Year
Min Balance $50,000
Details Balance: $50,000 - $99,999; 6-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
3 Year IRA Share Certificate Accounts 3.75% 3.803% 3 Year
Min Balance $50,000
Details Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
4 Year IRA Share Certificate Accounts 3.75% 3.803% 4 Year
Min Balance $1,000
Details Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
5 Year IRA Share Certificate Accounts 3.75% 3.803% 5 Year
Min Balance $1,000
Details Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
12 Month IRA Share Certificate Accounts 3.625% 3.675% 12 Month
Min Balance $50,000
Details Balance: $50,000 - $99,999; 4-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 4, 2026: 3.68% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
18 Month IRA Share Certificate Accounts 3.625% 3.675% 18 Month
Min Balance $50,000
Details Balance: $50,000 - $99,999; 4-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 4, 2026: 3.68% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
2 Year IRA Share Certificate Accounts 3.625% 3.675% 2 Year
Min Balance $1,000
Details Balance: $1,000 - $49,999.99; 6-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 4, 2026: 3.68% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
3 Year IRA Share Certificate Accounts 3.625% 3.675% 3 Year
Min Balance $1,000
Details Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 4, 2026: 3.68% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
12 Month IRA Share Certificate Accounts 3.50% 3.546% 12 Month
Min Balance $1,000
Details Balance: $1,000 - $49,999; 4-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
18 Month IRA Share Certificate Accounts 3.50% 3.546% 18 Month
Min Balance $1,000
Details Balance: $1,000 - $49,999.99; 4-Month Penalty for Early Withdrawal
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%

Cadets Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Mortgages - 10 Year - - 6.00% 10 Year
Details 15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 12, 2026: 6.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Mortgages - 15 Year - - 6.50% 15 Year
Details 15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 12, 2026: 6.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Mortgages - 20 Year - - 7.00% 20 Year
Details 15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 12, 2026: 7.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Non-Owner Occupied - 10 Year Mortgage - - 7.00% 10 Year
Details 25% Down Payment Required
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 20, 2026: 7.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Non-Owner Occupied - 12 Year Mortgage - - 7.50% 12 Year
Details 25% Down Payment Required
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.50% APR · checked 6 times
7.00%7.50%8.00%Sep 20, 2026: 7.50% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Non-Owner Occupied - 15 Year Mortgage - - 8.00% 15 Year
Details 25% Down Payment Required
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 20, 2026: 8.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%

Cadets Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 6.25% 8 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor!
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.25% APR · checked 9 times
5.75%6.25%6.75%Sep 12, 2026: 6.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity - - 6.50% 10 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor!
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.50% APR · checked 9 times
6.00%6.50%7.00%Sep 12, 2026: 6.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity - - 6.75% 12 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor!
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.75% APR · checked 9 times
6.25%6.75%7.25%Sep 12, 2026: 6.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity - - 7.00% 15 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor!
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 9 times
6.50%7.00%7.50%Sep 12, 2026: 7.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity Home Improvement - - 7.25% 84 Month
Details Credit Limit $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.25% APR · checked 8 times
6.75%7.25%7.75%Sep 12, 2026: 7.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity - - 7.50% 20 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor!
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.50% APR · checked 9 times
7.00%7.50%8.00%Sep 12, 2026: 7.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity Home Improvement - - 7.75% 96 Month
Details Credit Limit $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.75% APR · checked 8 times
7.25%7.75%8.25%Sep 12, 2026: 7.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity Home Improvement - - 8.25% 108 Month
Details Credit Limit $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.25% APR · checked 8 times
7.75%8.25%8.75%Sep 12, 2026: 8.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Home Equity Home Improvement - - 8.75% 120 Month
Details Credit Limit $25,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.75% APR · checked 8 times
8.25%8.75%9.25%Sep 12, 2026: 8.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%

Cadets Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan (2026-2027) - - 4.50% 36 Month
Details Model Year: 2026-2027; Credit Limit: Up To 100% Financing
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 12, 2026: 4.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 4.75% 48 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 5.00% 54 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 5.00% 36 Month
Details Credit Limit: Book Retail Value
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 5.25% 60 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 5.25% 48 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 5.50% 66 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 5.50% 54 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 5.75% 60 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 12, 2026: 5.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 6.00% 72 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 12, 2026: 6.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 6.00% 66 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 12, 2026: 6.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 6.25% 78 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 6.50% 72 Month
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
New Auto Loan (2026-2027) - - 6.75% 84 Month
Details Model Year: 2026-2027
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 6.75% 78 Month
Details Credit Limit: 2021 or Newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Used Autos (2016-2026) - - 7.25% 84 Month
Details Credit Limit: 2021 or Newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 12, 2026: 7.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%

Cadets Federal Credit Union Personal Loan Rates

Product APR Term View More
Debt Consolidation Loan 6.25% 24 Month
Details Credit Limit: $10,000 Single / $20,000 Joint Maximum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 12, 2026: 6.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Debt Consolidation Loan 7.25% 36 Month
Details Credit Limit: $10,000 Single / $20,000 Joint Maximum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 12, 2026: 7.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Personal Loan - 48 Month 7.25% 48 Month
Details Credit Limit: $7,500 Single / $15,000 Joint Maximum; Published rates for A Credit (credit score 680 - 779); Risk-based lending applies; Effective October 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Debt Consolidation Loan 8.25% 48 Month
Details Credit Limit: $10,000 Single / $20,000 Joint Maximum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.25% APR · checked 7 times
7.75%8.25%8.75%Sep 12, 2026: 8.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Personal Loan - 60 Month 8.25% 60 Month
Details Credit Limit: $7,500 Single / $15,000 Joint Maximum; Published rates for A Credit (credit score 680 - 779); Risk-based lending applies; Effective October 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 18, 2026: 8.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Debt Consolidation Loan 9.25% 60 Month
Details Credit Limit: $10,000 Single / $20,000 Joint Maximum
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.25% APR · checked 7 times
8.75%9.25%9.75%Sep 12, 2026: 9.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%

Cadets Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
12-15-18 Month Short Term Loan - 12 Month - - 5.25% 12 Month
Details Effective October 1st, 2026; Published rates for A Credit (680-779); Risk-based lending applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
12-15-18 Month Short Term Loan - 15 Month - - 5.50% 15 Month
Details Effective October 1st, 2026; Published rates for A Credit (680-779); Risk-based lending applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
12-15-18 Month Short Term Loan - 18 Month - - 5.75% 15-18 months
Details Effective October 1st, 2026; Published rates for A Credit (680-779); Risk-based lending applies
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 12, 2026: 5.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
Revolving LOC Loan - Revolving Open-End LOC - - 9.00%
Details As Low As; Credit Limit: $10,000 Single / $20,000 Joint Maximum; Variable APR, rates may change on January 1st and July 1st of each year
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.00% APR
8.50%9.00%9.50%Oct 12, 2026: 9.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.25%
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.
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Financial Health History

Cadets Federal Credit Union’s Texas Ratio fell from 14.56% in Q3 2023 to 4.25% in Q2 2026, so its financial health has improved and is now very strong 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.

0% 1.0★ 4.9% 2.0★ 9.8% 3.0★ 14.7% 4.0★ 19.7% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 14.56% 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 4.25% 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 Grade15% Verified Healthy limit (green zone below = healthy)
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$18M4.25%5.0A+
March 31, 2026$18M8.32%5.0A
December 31, 2025$18M10.85%5.0A
September 30, 2025$18M8.55%5.0A
June 30, 2025$19M10.25%5.0A
March 31, 2025$19M9.28%5.0A
December 31, 2024$19M7.53%5.0A
September 30, 2024$19M4.49%5.0A+
June 30, 2024$19M1.73%5.0A+
March 31, 2024$19M8.43%5.0A
December 31, 2023$18M4.07%5.0A+
September 30, 2023$17M14.56%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 Cadets 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 Cadets 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 Cadets Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cadets Federal Credit Union
Website https://cadetsfcu.com/
Address 1751 TRANSIT RD, ELMA, NY 14059-9687
Phone 716-771-3434
Fax 716-771-3435
President BRETT MCDERMOTT
CEO SANDRA KOPACZ
Full-Time Employees 2
Part-Time Employees 6
Branch Locations 2
ATM Locations 1
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
4.25%
Return on Assets (ROA)
-0.0927%
Return on Equity (ROE)
-1.0795%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
17,695,273
Total Amount of Shares and Deposits
16,141,807
Total Shares and Deposits < 1 Year
13,302,237
Total Shares and Deposits 1 3 Years
2,782,337
Total Shares and Deposits > 3 Years
57,233
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
317,111
Total Uninsured Shares and Deposits > $250K (F+J)
317,111
Total Insured Shares and Deposits > $250K (item 17 less item K)
15,824,696
Total Interest Expense (Sum of items 6 8)
161,975
Share Certificates
203
Number of Accounts for Share Drafts
421
IRA KEOGH Accounts
41
Number of Accounts for Regular Shares
1,644
All other shares
33
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)
984,198
Total Liabilities
16,175,083
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Cadets 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/cadets-federal-credit-union-rates-review-6930">
  <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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Total Reviews
0
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Frequently Asked Questions About Cadets Federal Credit Union

How many branches does Cadets Federal Credit Union operate?

Cadets 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 Cadets Federal Credit Union?

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

Does Cadets Federal Credit Union offer online and mobile banking?

Most modern institutions like Cadets 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://cadetsfcu.com/.

Current Cadets Federal Credit Union Rates

  • 12-Month CD3.55%
  • 18-Month CD3.55%
  • 24-Month CD3.67%
  • 60-Month CD3.80%
Retrieved from our database of financial products. Rates subject to change.

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