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Cloverbelt 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 9, 2026
Cloverbelt Credit Union's top rates as of October 9, 2026 are 4.40% APY on its 15-Month CD, 2.75% APY on savings, 1.00% APY on money market accounts, 5.50% on its 10 Year Fixed Rate mortgage, and personal loans from 10.99% APR, according to rates verified by MonitorBankRates. Other Cloverbelt Credit Union CD rates include 18-Month CD at 4.25%, 24-Month CD at 4.25%, and 12-Month CD at 4.00%. Other Cloverbelt Credit Union mortgage rates include 1st Mortgage - 10 Year Fixed Rate at 5.50%, 15 Year Fixed Rate at 6.00%, and 1st Mortgage - 15 Year Fixed Rate at 6.00%. MonitorBankRates evaluates the financial stability of Cloverbelt Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.52%. Rates last updated and verified on 10/09/2026.
Cloverbelt 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 Cloverbelt Credit Union? Share your experience about Cloverbelt Credit Union by leaving a review below, or read customer reviews before you decide to use Cloverbelt Credit Union.
Cloverbelt 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
Cloverbelt 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
?
1.52%
ExcellentLower than avg
Cloverbelt Credit Union Texas Ratio
Cloverbelt Credit Union's Texas Ratio is 1.52%, which is considered excellent and is lower than the national average of 6.13%.
Cloverbelt 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.
0.66% to 1.52% 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.
Cloverbelt Credit Union CD Rates
Product
Rate
APY
Term
View More
15-Month Certificate
4.33%
4.40%
15 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
Oct 5, 20264.40%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
18-Month Certificate
4.18%
4.25%
18 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
24-Month Certificate
4.18%
4.25%
24 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
12-Month Certificate
3.94%
4.00%
12 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
Oct 5, 20264.00%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
13-Month Certificate
3.94%
4.00%
13 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
Oct 5, 20264.00%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
48-Month Certificate
3.69%
3.75%
48 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
Oct 5, 20263.75%▲ from 3.35%
Sep 14, 20263.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
60 Month Certificate
3.69%
3.75%
60 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 5, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
36-Month Certificate
3.59%
3.65%
36 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
Oct 5, 20263.65%▲ from 3.25%
Sep 14, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
12-Month Certificate
3.46%
3.50%
12 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.50% ▲ 2.25 pts · high 3.50% / low 1.25%
Oct 5, 20263.50%▲ from 1.25%
Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
16-Month Certificate
3.46%
3.50%
16 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
7-Month Certificate
3.46%
3.50%
7 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
9-Month Certificate
3.46%
3.50%
9 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
21-Month Certificate
2.97%
3.00%
21 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
30-Month Certificate
2.97%
3.00%
30 Months
Min Balance$5,000
DetailsBalance: $5000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
60-Month Certificate
2.23%
2.25%
60 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
48-Month Certificate
2.08%
2.10%
48 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
6-Month Certificate
1.99%
2.00%
6 Months
Min Balance$2,500
DetailsBalance: $2500 - $9999.99
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 0.75% → 2.00% ▲ 1.25 pts · high 2.00% / low 0.75%
Oct 5, 20262.00%▲ from 0.75%
Sep 14, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
6-Month Certificate
1.99%
2.00%
6 Months
Min Balance$10,000
DetailsBalance: $10000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
36-Month Certificate
1.74%
1.75%
36 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
24-Month Certificate
1.49%
1.50%
24 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
30-Month Certificate
1.44%
1.45%
30 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
18-Month Certificate
1.34%
1.35%
18 Months
Min Balance$1,000
DetailsBalance: $1000 - $4999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings
2.72%
2.75%
Min Balance$75,000
DetailsBalance: $75,000+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
2.03%
2.05%
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
1.20%
1.20%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
0.75%
0.75%
Min Balance$0
DetailsBalance: up to $9,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Saver's Sweepstakes Savings
0.35%
0.35%
Min Balance$25
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Savings
2.72%
2.75%
Min Balance$75,000
DetailsBalance: $75,000+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
2.03%
2.05%
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
1.20%
1.20%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Savings
0.75%
0.75%
Min Balance$0
DetailsBalance: up to $9,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Checking Rates
Product
Rate
APY
View More
Money Market Checking
1.00%
1.00%
Min Balance$10,000
DetailsBalance: $10,000 +
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Money Market Checking
0.75%
0.75%
Min Balance$0
DetailsBalance: up to $9,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed Rate
5.50%
-
5.653%
120 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 10 Year Fixed Rate
5.50%
-
5.653%
120 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.65% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
15 Year Fixed Rate
6.00%
-
6.109%
180 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.11% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 15 Year Fixed Rate
6.00%
-
6.109%
180 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.11% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
10 Year Fixed
6.25%
-
6.405%
120 months
DetailsMortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 09/28/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.41% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Fixed
6.25%
-
6.405%
120 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.41% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 5/1 ARM
6.125%
-
6.568%
360 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27%
Oct 1, 20266.57%▲ from 6.27%
Sep 18, 20266.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
5/1 ARM
6.125%
-
6.568%
360 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.57% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
10/1 ARM
6.50%
-
6.651%
360 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.65% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 10/1 ARM
6.50%
-
6.651%
360 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.50% → 6.65% ▲ 0.15 pts · high 6.65% / low 6.50%
Oct 1, 20266.65%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
1st Mortgage - 3/1 ARM
6.125%
-
6.656%
360 months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.28% → 6.66% ▲ 0.37 pts · high 6.66% / low 6.28%
Oct 1, 20266.66%▲ from 6.28%
Sep 18, 20266.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
3/1 ARM
6.125%
-
6.656%
360 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.66% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
10 Year Fixed Rate
7.25%
-
7.267%
120 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.27% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
15 Year Fixed Rate
7.75%
-
7.757%
180 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.76% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
2nd Mortgage / Home Equity / Home Flexity - 10 Year Fixed Rate
7.25%
-
7.267%
120 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.27% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
2nd Mortgage / Home Equity / Home Flexity - 15 Year Fixed Rate
7.75%
-
7.757%
180 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.76% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
4.89%
-
4.89%
36 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
4.89%
-
4.89%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan
4.89%
-
4.89%
36 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan
4.89%
-
4.89%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
5.09%
-
5.09%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan
5.09%
-
5.09%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
5.29%
-
5.29%
72 months
Details**Minimum of $12,000 to finance
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan
5.29%
-
5.29%
72 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
5.99%
-
5.99%
84 months
Details*** Minimum of $18,000 to finance; new vehicles only
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Cars/Trucks (2020 - 2026) Loan
5.99%
-
5.99%
84 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks (2013 - 2019) Loan
6.29%
-
6.29%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2013-2019) Loan
6.29%
-
6.29%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
7.09%
-
7.09%
84 months
Details*Minimum of $18,000 to finance, untitled collateral only (UTV, tractors, snowmobile)
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
7.29%
-
7.29%
120 months
Details^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
7.79%
-
7.79%
180 months
Details^^Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks (2012 and older) Loan
7.99%
-
7.99%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2012 and older) Loan
7.99%
-
7.99%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
4.89%
4.89%
36 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
4.89%
4.89%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
4.89%
4.89%
36 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
4.89%
4.89%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
5.09%
5.09%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
5.09%
5.09%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
5.29%
5.29%
72 months
Details**Minimum of $12,000 to finance
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
5.29%
5.29%
72 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.29% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
5.99%
5.99%
84 months
Details*** Minimum of $18,000 to finance; new vehicles only
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2013-2019) Loan
6.29%
6.29%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Recreational Vehicles (2013-2019) Loan
6.29%
6.29%
66 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.29% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
7.09%
7.09%
84 months
Details*Minimum of $18,000 to finance, untitled collateral only (UTV, tractors, snowmobile)
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.09% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
7.09%
7.09%
84 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
7.29%
7.29%
120 months
Details^ Term available for boats, RVs and campers and compact tractors only; minimum $18,000 to finance
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
7.29%
7.29%
120 months^
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New and Used Cars/Trucks/Recreational Vehicles (2020-2026) Loan
7.79%
7.79%
180 months
Details^^Term available for boats, RVs, campers and compact tractors only; minimum $25,000 to finance
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
New/Used Recreational Vehicles (2020-2026) Loan
7.79%
7.79%
180 months^^
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.79% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Cars/Trucks/Recreational Vehicles (2012 and older) Loan
7.99%
7.99%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Used Recreational Vehicles (2012 and older) Loan
7.99%
7.99%
60 months
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans
10.99%
60 months
Details$10000- $25000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Signature Line of Credit
12.20%
Detailsvariable rate loan
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 12.20% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Personal Loans
12.99%
48 months
Details$1500 - $9999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 12.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Cloverbelt Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
10 Year Balloon/15 Year Term Loan
6.75%
-
6.872%
180 months
DetailsMortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 09/28/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.87% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
10 Year Balloon/20 Year Term Loan
7.00%
-
7.111%
240 months
DetailsMortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 09/28/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.11% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
10 Year Balloon/30 Year Term Loan
7.25%
-
7.354%
360 months
DetailsMortgage rates shown here are the lowest rates available. Borrower must qualify for Cloverbelt Credit Union membership, and all loan applications are subject to credit approval. Your rate may vary and is based on the property type, loan type, term, your credit score, the loan-to-value ratio, and other variables. The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan. For ARM loans, the rate/APR shown is effective 09/28/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate. Rates and terms are also available for 20 and 30-year fixed rate home loans on the secondary market, as well as in-house and secondary market investment property and commercial property loans. Please contact a Mortgage Specialist at 715-843-4663 or [email protected] for a custom quote that's tailored to your needs.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
5 Year Fixed Rate
5.25%
-
5.538%
60 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 5.54% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
5 Year Fixed Rate
6.75%
-
6.792%
60 months
DetailsFor general information about the types of mortgage loans we offer, contact our Mortgage Specialists or email us at [email protected] or by phone at 715 843-4663.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Construction Loan
5.50%
-
6.987%
12 months
DetailsVariable (interest only)
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Home Freedom Loan
7.79%
-
7.79%
60 months
Details$5000-$25,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Home Freedom Loan
8.29%
-
8.29%
120 months
Details$5000-$25,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Home Freedom Loan
8.79%
-
8.79%
180 months
Details$5000-$25,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Kwik Cash Line of Credit
12.80%
-
12.80%
Detailsvariable rate loan
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 12.80% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Balloon/15 Year Term Loan
6.75%
-
6.872%
180 months
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.87% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Balloon/20 Year Term Loan
7.00%
-
7.111%
240 months
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.11% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Vacant Land - 10 Year Balloon/30 Year Term Loan
7.25%
-
7.354%
360 months
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 7.35% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.52%
Financial Health History
Cloverbelt Credit Union’s Texas Ratio rose from 0.66% in Q3 2023 to 1.52% 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
$354M
1.52%
5.0
A+
March 31, 2026
$350M
1.18%
5.0
A+
December 31, 2025
$342M
0.82%
5.0
A+
September 30, 2025
$334M
0.70%
5.0
A+
June 30, 2025
$332M
0.15%
5.0
A+
March 31, 2025
$325M
0.84%
5.0
A+
December 31, 2024
$318M
0.40%
5.0
A+
September 30, 2024
$310M
0.53%
5.0
A+
June 30, 2024
$311M
0.29%
5.0
A+
March 31, 2024
$314M
0.96%
5.0
A+
December 31, 2023
$315M
1.26%
5.0
A+
September 30, 2023
$313M
0.66%
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 Cloverbelt 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 Cloverbelt 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 Cloverbelt 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)
20,689,952
Total Uninsured Shares and Deposits > $250K (F+J)
20,689,952
Total Insured Shares and Deposits > $250K (item 17 less item K)
287,354,266
Total Interest Expense (Sum of items 6 8)
2,867,755
Share Certificates
2,296
Number of Accounts for Share Drafts
8,028
IRA KEOGH Accounts
432
Number of Accounts for Regular Shares
16,463
All other shares
538
Non Member Deposits
3
Money Market Shares
988
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)
7,001,257
Total Liabilities
310,387,487
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Cloverbelt 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 Cloverbelt Credit Union
Frequently Asked Questions About Cloverbelt Credit Union
How many branches does Cloverbelt Credit Union operate?
Cloverbelt 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 Cloverbelt Credit Union?
Yes, to access services at Cloverbelt 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, Cloverbelt 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, Cloverbelt Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Cloverbelt Credit Union offer online and mobile banking?
Most modern institutions like Cloverbelt 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.ccuwausau.com.
Current Cloverbelt Credit Union Rates
12-Month CD3.50%
18-Month CD1.35%
24-Month CD1.50%
60-Month CD2.25%
Savings2.75%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.