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 Circle Federal Credit Union Rates & Review May 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: May 7, 2026
Circle Federal Credit Union's 6 Month Term CDs rates are at 3.76%, 12 Month Term CDs rates are at 3.51%, IRA (Individual Retirement Accounts) Term CDs 24 month rates are at 2.68%, IRA (Individual Retirement Accounts) Term CDs 36 month rates are at 2.58%, IRA (Individual Retirement Accounts) Term CDs 12 month rates are at 2.53%. Circle Federal Credit Union's savings rates are at 0.02%. Circle Federal Credit Union's money market rates are at 0.02%. Circle Federal Credit Union's Vacant Land rates are at 8.25%, Vacant Land rates are at 8.75%, Vacant Land rates are at 9.25%, Vacant Land rates are at 9.75%. Circle Federal Credit Union's Personal Loan Rates are at 4.25%. MonitorBankRates evaluates the financial stability of Circle Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.23%. Rates were last updated on 05/07/2026. Circle 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 Circle Federal Credit Union? Share your experience about Circle Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Circle Federal Credit Union. 
Circle Federal Credit Union CD Rates
Circle Federal Credit Union Savings Rates
Circle Federal Credit Union Money Market Rates
Circle Federal Credit Union Checking Rates
Circle Federal Credit Union Mortgage Rates
Circle Federal Credit Union Home Equity & HELOC
Circle Federal Credit Union Auto Loan Rates
Circle Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Circle 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 Circle 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 Circle Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Circle Federal Credit Union
Website
https://www.circlefcu.org
Address
507 E Main St,
Niles, MI 49120 2617
Phone
269-684-6005
Fax
269-684-6173
President
Richard Knott
CEO
Susan Larson
Full-Time Employees
35
Part-Time Employees
2
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.23%
Return on Assets (ROA)
0.5590%
Return on Equity (ROE)
6.5748%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
117,340,715
Total Amount of Shares and Deposits
105,771,857
Total Shares and Deposits < 1 Year
101,364,890
Total Shares and Deposits 1 3 Years
4,034,199
Total Shares and Deposits > 3 Years
372,768
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,048,272
Total Uninsured Shares and Deposits > $250K (F+J)
3,048,272
Total Insured Shares and Deposits > $250K (item 17 less item K)
102,723,585
Total Interest Expense (Sum of items 6 8)
1,332,718
Share Certificates
1,028
Number of Accounts for Share Drafts
4,341
IRA KEOGH Accounts
218
Number of Accounts for Regular Shares
9,762
All other shares
118
Money Market Shares
466
Net Income (unless the amount is already included in Undivided Earnings)
655,962
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,818,524
Total Liabilities
107,400,559
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Circle Federal Credit Union 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 Circle Federal Credit Union
Frequently Asked Questions About Circle Federal Credit UnionHow many branches does Circle Federal Credit Union operate?Circle 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 Circle Federal Credit Union?Yes, to access services at Circle 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, Circle 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, Circle Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Circle Federal Credit Union offer online and mobile banking?Most modern institutions like Circle 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.circlefcu.org. Current Circle Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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