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Certified Federal Credit Union 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 12, 2026
Certified Federal Credit Union's top rates as of October 12, 2026 are 3.55% APY on its 6 Month Jumbo CDs CD, 0.05% APY on savings, 1.34% APY on money market accounts, 0.04% APY on checking, 5.75% on its Fixed-Rate Mortgages - 15-Year Fixed, personal loans from 10.90% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Certified Federal Credit Union CD rates include 12 Month Jumbo CDs at 3.50%, 12 Month Jumbo Traditional IRA CD at 3.50%, and 12 Month IRA CD at 3.30%. Other Certified Federal Credit Union mortgage rates include High Balance Fixed-Rate Mortgages - 15-Year Fixed at 5.75%, Fixed-Rate Mortgages - 20-Year Fixed at 6.25%, and High Balance Fixed-Rate Mortgages - 20-Year Fixed at 6.25%. MonitorBankRates evaluates the financial stability of Certified Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.07%. Rates last updated and verified on 10/12/2026.
Certified 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 Certified Federal Credit Union? Share your experience about Certified Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Certified Federal Credit Union.
Certified Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
Certified Federal Credit Union 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
?
1.07%
ExcellentLower than avg
Certified Federal Credit Union Texas Ratio
Certified Federal Credit Union's Texas Ratio is 1.07%, which is considered excellent and is lower than the national average of 6.13%.
Certified Federal Credit Union 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.
1.75% to 1.07% 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.
Certified Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
6 Month Jumbo Share Certificates
3.49%
3.55%
6 months
Min Balance$10,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
12 Month Jumbo Share Certificates
3.44%
3.50%
12 months
Min Balance$95,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
12 Month Jumbo Traditional IRA Certificate
3.44%
3.50%
12 months
Min Balance$95,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
12 Month IRA Certificate
3.25%
3.30%
12 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
12 Month Jumbo Share Certificates
3.25%
3.30%
12 months
Min Balance$50,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
12 Month Jumbo Traditional IRA Certificate
3.25%
3.30%
12 months
Min Balance$50,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
60 Month Jumbo Share Certificates
3.25%
3.30%
60 months
Min Balance$95,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
60 Month Jumbo Traditional IRA Certificate
3.25%
3.30%
60 months
Min Balance$95,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Share Certificates - 12 month
3.25%
3.30%
12 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
18 Month IRA Certificate
3.10%
3.15%
18 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Share Certificates - 18 month
3.10%
3.15%
18 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
60 Month IRA Certificate
3.057%
3.10%
60 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Share Certificates - 60 month
3.057%
3.10%
60 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
24 Month IRA Certificate
3.00%
3.05%
24 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Share Certificates - 24 month
3.00%
3.05%
24 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
36 Month IRA Certificate
2.96%
3.00%
36 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Share Certificates - 36 month
2.96%
3.00%
36 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Share Certificates - 6 month
2.62%
2.65%
6 months
Min Balance$1,000
DetailsPenalties may apply for early withdrawals
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Savings Rates
Product
Rate
APY
View More
Savings
0.05%
0.05%
DetailsBalance: All Savings; Fees could reduce earnings on these accounts
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
1.34%
1.34%
Min Balance$100,000
DetailsBalance: $100,000 and over; Fees could reduce earnings on these accounts
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 1.35% → 1.34% ▼ 0.01 pts · high 1.35% / low 1.34%
Oct 4, 20261.34%▼ from 1.35%
Sep 14, 20261.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Money Market
1.00%
1.00%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; Fees could reduce earnings on these accounts
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Money Market
0.60%
0.60%
Min Balance$10,000
DetailsBalance: $10,000 - $49,999; Fees could reduce earnings on these accounts
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Money Market
0.35%
0.35%
Min Balance$0
DetailsBalance: $0 - $9999; Fees could reduce earnings on these accounts
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Checking Rates
Product
Rate
APY
View More
Share Draft (Checking)
0.04%
0.04%
Min Balance$5,000
DetailsBalance: above $5000
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Fixed-Rate Mortgages - 15-Year Fixed
5.75%
-
5.946%
15 years
DetailsLoan amount not to exceed $499,999; Conforming rates; APR assumes $250,000 loan, 80% LTV, owner occupied, single-family, credit score 620+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 5.95% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
High Balance Fixed-Rate Mortgages - 15-Year Fixed
5.75%
-
5.946%
15 years
DetailsLoan amounts of $500,000 to $1,000,000; High balance; APR assumes $500,000 loan, 80% LTV, owner occupied, single family, credit score 620+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 5.95% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Fixed-Rate Mortgages - 20-Year Fixed
6.25%
-
6.402%
20 years
DetailsLoan amount not to exceed $499,999; Conforming rates; APR assumes $250,000 loan, 80% LTV, owner occupied, single-family, credit score 620+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.40% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
High Balance Fixed-Rate Mortgages - 20-Year Fixed
6.25%
-
6.402%
20 years
DetailsLoan amounts of $500,000 to $1,000,000; High balance; APR assumes $500,000 loan, 80% LTV, owner occupied, single family, credit score 620+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.40% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Fixed-Rate Mortgages - 30-Year Fixed
6.50%
-
6.632%
30 years
DetailsLoan amount not to exceed $499,999; Conforming rates; APR assumes $250,000 loan, 80% LTV, owner occupied, single-family, credit score 620+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.63% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
High Balance Fixed-Rate Mortgages - 30-Year Fixed
6.50%
-
6.632%
30 years
DetailsLoan amounts of $500,000 to $1,000,000; High balance; APR assumes $500,000 loan, 80% LTV, owner occupied, single family, credit score 620+
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 6.63% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - Adjustable Rate
-
-
7.00%
DetailsAs Low As; Rate: Prime + 0%; Loan amounts of $25,000 to $250,000; Loan amounts $25,000-$100,000 up to 80% CLTV; variable rate floor 4.50% APR, cap 16.00% APR
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle Loan
-
-
3.99%
36 months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Used Vehicle Loan
-
-
3.99%
36 months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
New Vehicle Loan
-
-
4.49%
48 months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
New Vehicle Loan
-
-
4.49%
60 months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Used Vehicle Loan
-
-
4.49%
48 months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Used Vehicle Loan
-
-
4.49%
60 months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
New Vehicle Loan
-
-
4.99%
72 Months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Used Vehicle Loan
-
-
4.99%
72 Months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
New Vehicle Loan
-
-
5.49%
84 Months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Used Vehicle Loan
-
-
5.49%
84 Months
DetailsRates effective January 20, 2025; advertised rates based on Premier FICO 750+
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicle Loans - New or Used RV (75% of purchase)
-
7.75%
15 Years
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Recreational Vehicle Loans - New or Used RV (90% of purchase)
-
8.25%
15 Years
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Recreational Vehicle Loans - Used Motorcycle (90% of purchase)
-
8.49%
48 Months
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Recreational Vehicle Loans - New Motorcycle (90% of purchase)
-
8.99%
60 Months
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Recreational Vehicle Loans - New or Used Boat (80% of purchase)
-
8.99%
7 Years
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 8.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Recreational Vehicle Loans - Personal Watercraft (90% of purchase)
-
12.75%
48 Months
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 12.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
MORE Rewards Visa
-
8.90%
DetailsPublished APR range: 8.90%-17.90%. Non-Variable APR for Purchases, Balance Advances and Cash Advances; based on credit worthiness
Last Updated10/12/2026
Rate History
1 change since Sep 14, 2026 · 17.90% → 8.90% ▼ 9.00 pts · high 17.90% / low 8.90%
Sep 17, 20268.90%▼ from 17.90%
Sep 14, 202617.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
10.90%
48 months
DetailsAs Low As; Maximum Amount: $50,000
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Recreational Vehicle Loans - Personal Watercraft (90% of purchase)
12.75%
48 Months
DetailsAPR based on Premier FICO score 750+; rates vary by individual FICO score; rates accurate as of March 1, 2026
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 12.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Certified Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Fixed-Rate Second Mortgages - 10-Year Fixed
6.625%
-
7.02%
10 years
DetailsLoan amounts of $25,000 to $250,000; APR assumes $50,000 loan, 80% CLTV, owner occupied, single family, minimum FICO 660
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.02% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Fixed-Rate Second Mortgages - 15-Year Fixed
7.00%
-
7.23%
15 years
DetailsLoan amounts of $25,000 to $250,000; APR assumes $50,000 loan, 80% CLTV, owner occupied, single family, minimum FICO 660
Last Updated10/12/2026
Rate History
No change since Oct 12, 2026 · 7.23% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
PayDay Loan
-
-
27.90%
1-12 months
DetailsMaximum Amount: $200 - $2,000
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 27.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
8.75%
-
8.75%
Up to 84 Months
DetailsFICO Score 720+; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
8.99%
-
8.99%
Up to 84 Months
DetailsFICO Score 680-719; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 8.99% ▲ 0.24 pts · high 8.99% / low 8.75%
Oct 8, 20268.99%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
9.50%
-
9.50%
Up to 84 Months
DetailsFICO Score 620-679; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 9.50% ▲ 0.75 pts · high 9.50% / low 8.75%
Oct 8, 20269.50%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
9.99%
-
9.99%
Up to 84 Months
DetailsFICO Score 600-619; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 9.99% ▲ 1.24 pts · high 9.99% / low 8.75%
Oct 8, 20269.99%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
8.75%
-
8.75%
85 - 132 Months
DetailsFICO Score 720+; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
9.25%
-
9.25%
85 - 132 Months
DetailsFICO Score 680-719; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 9.25% ▲ 0.50 pts · high 9.25% / low 8.75%
Oct 8, 20269.25%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
9.99%
-
9.99%
85 - 132 Months
DetailsFICO Score 620-679; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 9.99% ▲ 1.24 pts · high 9.99% / low 8.75%
Oct 8, 20269.99%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
10.50%
-
10.50%
85 - 132 Months
DetailsFICO Score 600-619; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.75% → 10.50% ▲ 1.75 pts · high 10.50% / low 8.75%
Oct 8, 202610.50%▲ from 8.75%
Sep 18, 20268.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
9.99%
-
9.99%
133 - 180 Months
DetailsFICO Score 720+; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
10.50%
-
10.50%
133 - 180 Months
DetailsFICO Score 680-719; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 9.99% → 10.50% ▲ 0.51 pts · high 10.50% / low 9.99%
Oct 8, 202610.50%▲ from 9.99%
Sep 18, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
11.25%
-
11.25%
133 - 180 Months
DetailsFICO Score 620-679; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 9.99% → 11.25% ▲ 1.26 pts · high 11.25% / low 9.99%
Oct 8, 202611.25%▲ from 9.99%
Sep 18, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Solar Loans
11.99%
-
11.99%
133 - 180 Months
DetailsFICO Score 600-619; Rate type not labeled on page; Loan amounts $5,000-$75,000; Fixed term 5-15 years; Owner occupied primary residence in California; Licensed solar contractor; Permit approval required
Last Updated10/12/2026
Rate History
1 change since Sep 18, 2026 · 9.99% → 11.99% ▲ 2.00 pts · high 11.99% / low 9.99%
Oct 8, 202611.99%▲ from 9.99%
Sep 18, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Uniform/Union Dues Loan
-
-
17.90%
DetailsMaximum Amount: $250
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 17.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
IRA
1.24%
-
1.25%
Variable Daily Rate
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.07%
Financial Health History
Certified Federal Credit Union’s Texas Ratio fell from 1.75% in Q3 2023 to 1.07% 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
$925M
1.07%
5.0
A+
March 31, 2026
$920M
1.20%
5.0
A+
December 31, 2025
$903M
1.66%
5.0
A+
September 30, 2025
$899M
1.50%
5.0
A+
June 30, 2025
$896M
1.22%
5.0
A+
March 31, 2025
$895M
1.13%
5.0
A+
December 31, 2024
$872M
1.96%
5.0
A+
September 30, 2024
$782M
2.08%
5.0
A+
June 30, 2024
$788M
1.54%
5.0
A+
March 31, 2024
$793M
1.58%
5.0
A+
December 31, 2023
$782M
1.84%
5.0
A+
September 30, 2023
$789M
1.75%
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 Certified 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 Certified 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 Certified Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
71,606,889
Total Uninsured Shares and Deposits > $250K (F+J)
71,606,889
Total Insured Shares and Deposits > $250K (item 17 less item K)
652,312,882
Total Interest Expense (Sum of items 6 8)
5,484,507
Share Certificates
3,304
Number of Accounts for Share Drafts
45,471
IRA KEOGH Accounts
2,334
Number of Accounts for Regular Shares
67,523
Non Member Deposits
11
Money Market Shares
1,872
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)
42,835,145
Total Liabilities
735,025,718
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Certified 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Certified Federal Credit Union
Frequently Asked Questions About Certified Federal Credit Union
How many branches does Certified Federal Credit Union operate?
Certified 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 Certified Federal Credit Union?
Yes, to access services at Certified 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, Certified 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, Certified Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Certified Federal Credit Union offer online and mobile banking?
Most modern institutions like Certified 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.certifiedfed.com.
Current Certified Federal Credit Union Rates
12-Month CD3.30%
18-Month CD3.15%
24-Month CD3.05%
60-Month CD3.10%
Savings0.05%
MMA1.34%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
