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 Cardinal Credit Union Inc Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: September 22, 2026
Cardinal Credit Union Inc's 4 Month-Promotional CD rates are at 3.90%, 12 Month CD rates are at 3.85%, 6 Month CD rates are at 3.70%, 18 Month CD rates are at 2.50%, 9 Month CD rates are at 2.50%. Cardinal Credit Union Inc's savings rates are at 0.05%. Cardinal Credit Union Inc's 15 Year First Mortgage rates are at 6.50%, 10 Year First Mortgage rates are at 6.40%, 20 Year First Mortgage rates are at 6.58%, 30 Year First Mortgage rates are at 7.00%. Cardinal Credit Union Inc's Personal Loan Rates are as low as 10.99%. MonitorBankRates evaluates the financial stability of Cardinal Credit Union Inc with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.28%. Rates last updated and verified on 09/22/2026. Cardinal Credit Union Inc 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 Cardinal Credit Union Inc? Share your experience about Cardinal Credit Union Inc by leaving a review below, or read customer reviews before you decide to use Cardinal Credit Union Inc. 
Cardinal Credit Union Inc CD Rates
Cardinal Credit Union Inc Savings Rates
Cardinal Credit Union Inc Money Market Rates
Cardinal Credit Union Inc Checking Rates
Cardinal Credit Union Inc Mortgage Rates
Cardinal Credit Union Inc Home Equity & HELOC
Cardinal Credit Union Inc Auto Loan Rates
Cardinal Credit Union Inc RV, Boat and Powersport Loan Rates
Cardinal Credit Union Inc Personal Loan Rates
Financial Health HistoryCardinal Credit Union Inc’s Texas Ratio rose from 1.42% in Q2 2023 to 5.28% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cardinal Credit Union Inc 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 Cardinal Credit Union Inc 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 Cardinal Credit Union Inc's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cardinal Credit Union Inc
Website
https://www.cardinalcu.com
Address
8500 Westport Dr,
Mentor, OH 44060
Phone
440-266-2200
Fax
440-266-2299
President
Sandy Hamo
CEO
Christine Blake
Full-Time Employees
69
Part-Time Employees
11
Branch Locations
12
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.28%
Return on Assets (ROA)
0.0290%
Return on Equity (ROE)
0.2849%
Non-Performing Loans Ratio (NPL)
0.78%
Total Assets
354,281,535
Total Amount of Shares and Deposits
313,942,259
Total Shares and Deposits < 1 Year
312,310,961
Total Shares and Deposits 1 3 Years
1,413,381
Total Shares and Deposits > 3 Years
217,917
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,291,648
Total Uninsured Shares and Deposits > $250K (F+J)
11,291,648
Total Insured Shares and Deposits > $250K (item 17 less item K)
302,650,611
Total Interest Expense (Sum of items 6 8)
1,250,904
Share Certificates
3,592
Number of Accounts for Share Drafts
13,270
IRA KEOGH Accounts
523
Number of Accounts for Regular Shares
25,733
All other shares
79
Non Member Deposits
12
Money Market Shares
892
Net Income (unless the amount is already included in Undivided Earnings)
102,804
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)
32,275,669
Total Liabilities
320,089,890
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Cardinal Credit Union Inc 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.
Add Your Rating and Review for Cardinal Credit Union Inc
Frequently Asked Questions About Cardinal Credit Union IncHow many branches does Cardinal Credit Union Inc operate?Cardinal Credit Union Inc 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 Cardinal Credit Union Inc?Yes, to access services at Cardinal Credit Union Inc, 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, Cardinal Credit Union Inc 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, Cardinal Credit Union Inc provides members with tools to manage their accounts and build a solid financial history. Does Cardinal Credit Union Inc offer online and mobile banking?Most modern institutions like Cardinal Credit Union Inc 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.cardinalcu.com. Current Cardinal Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
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