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Community Powered Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| 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 9, 2026

Community Powered Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 12 Month CD (Jumbo), 0.05% APY on savings, 0.50% APY on money market accounts, personal loans from 7.50% APR, and credit cards from 9.88% APR, according to rates verified by MonitorBankRates. Other Community Powered Federal Credit Union CD rates include 24 Month CD (Jumbo) at 4.00%, 6 Month CD (Jumbo) at 4.00%, and 36 Month CD (Jumbo) at 3.75%. MonitorBankRates evaluates the financial stability of Community Powered Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.08%. Rates last updated and verified on 10/09/2026.

Community Powered 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 Community Powered Federal Credit Union? Share your experience about Community Powered Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Community Powered 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 ?
3.08%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Community Powered Federal Credit Union
Bear Branch
1758 Pulaski Hwy
Bear, DE 19701-1712
https://cpwrfcu.org
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.

Community Powered Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Share Certificate (Jumbo) - 4.00% 12 months
Min Deposit $25,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 4.00% ▲ 2.75 pts · high 4.00% / low 1.25%
0.00%3.38%6.75%Sep 14, 2026: 1.25% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
24 Month Share Certificate (Jumbo) - 4.00% 24 months
Min Deposit $25,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.76% → 4.00% ▲ 2.24 pts · high 4.00% / low 1.76%
0.00%3.12%6.24%Sep 14, 2026: 1.76% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
6 Month Share Certificate (Jumbo) - 4.00% 6 months
Min Deposit $25,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 14, 2026: 1.00% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
36 Month Share Certificate (Jumbo) - 3.75% 36 months
Min Deposit $25,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.01% → 3.75% ▲ 1.74 pts · high 3.75% / low 2.01%
0.27%2.88%5.49%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
48 Month Share Certificate (Jumbo) - 3.75% 48 months
Min Deposit $25,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.27% → 3.75% ▲ 1.48 pts · high 3.75% / low 2.27%
0.79%3.01%5.23%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
60 Month Share Certificate (Jumbo) - 3.75% 60 months
Min Deposit $25,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.52% → 3.75% ▲ 1.23 pts · high 3.75% / low 2.52%
1.29%3.14%4.98%Sep 14, 2026: 2.52% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
12 Month IRA Share Certificate - 3.55% 12 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.25% → 3.55% ▲ 2.30 pts · high 3.55% / low 1.25%
0.00%2.93%5.85%Sep 14, 2026: 1.25% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 1.25%
  • Sep 14, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
12 Month Share Certificate - 3.55% 12 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.15% → 3.55% ▲ 2.40 pts · high 3.55% / low 1.15%
0.00%2.97%5.95%Sep 14, 2026: 1.15% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 1.15%
  • Sep 14, 20261.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
6 Month Share Certificate - 3.55% 6 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 0.90% → 3.55% ▲ 2.65 pts · high 3.55% / low 0.90%
0.00%3.10%6.20%Sep 14, 2026: 0.90% APYOct 9, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.55%▲ from 0.90%
  • Sep 14, 20260.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
24 Month IRA Share Certificate - 3.29% 24 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.76% → 3.29% ▲ 1.53 pts · high 3.29% / low 1.76%
0.23%2.53%4.82%Sep 14, 2026: 1.76% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 1.76%
  • Sep 14, 20261.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
24 Month Share Certificate - 3.29% 24 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.66% → 3.29% ▲ 1.63 pts · high 3.29% / low 1.66%
0.03%2.47%4.92%Sep 14, 2026: 1.66% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 1.66%
  • Sep 14, 20261.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
36 Month IRA Share Certificate - 3.29% 36 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.01% → 3.29% ▲ 1.28 pts · high 3.29% / low 2.01%
0.73%2.65%4.57%Sep 14, 2026: 2.01% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.01%
  • Sep 14, 20262.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
36 Month Share Certificate - 3.29% 36 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 1.91% → 3.29% ▲ 1.38 pts · high 3.29% / low 1.91%
0.53%2.60%4.67%Sep 14, 2026: 1.91% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 1.91%
  • Sep 14, 20261.91%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
48 Month IRA Share Certificate - 3.29% 48 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.27% → 3.29% ▲ 1.02 pts · high 3.29% / low 2.27%
1.25%2.78%4.31%Sep 14, 2026: 2.27% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.27%
  • Sep 14, 20262.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
48 Month Share Certificate - 3.29% 48 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.17% → 3.29% ▲ 1.12 pts · high 3.29% / low 2.17%
1.05%2.73%4.41%Sep 14, 2026: 2.17% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.17%
  • Sep 14, 20262.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
60 Month IRA Share Certificate - 3.29% 60 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.52% → 3.29% ▲ 0.77 pts · high 3.29% / low 2.52%
1.75%2.91%4.06%Sep 14, 2026: 2.52% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
60 Month Share Certificate - 3.29% 60 months
Min Deposit $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 2.42% → 3.29% ▲ 0.87 pts · high 3.29% / low 2.42%
1.55%2.86%4.16%Sep 14, 2026: 2.42% APYOct 9, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.29%▲ from 2.42%
  • Sep 14, 20262.42%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club - 0.05%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Regular Savings - 0.05%
Min Balance $5
Details Balance: $5+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Vacation Club - 0.05%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 0.50%
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market - 0.40%
Min Balance $25,000
Details Balance: $25,000-$49,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market - 0.30%
Min Balance $10,000
Details Balance: $10,000-$24,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Money Market - 0.20%
Min Balance $2,500
Details Balance: $2,500-$9,999
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
5 Year Home Equity - - 5.99% 60 months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 17, 2026: 5.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Equity Loan - 0.000 5.99%
Details As Low As; LTV up to 90%. Fixed rate and fixed monthly payments. Benefit from a deduction at tax time. No application fee, no title fee, no closing costs, no appraisal fee, no hidden fees. Rate is subject to change. See Credit Union for details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
10 Year Home Equity - - 6.49% 120 months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
15 Year Home Equity - - 6.49% 180 months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
20 Year Home Equity - - 6.99% 240 months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Equity Line of Credit - - 7.00% 120 month
Details Term: 120 month draw period; As Low As**
Last Updated 10/09/2026
Rate History
1 change since Sep 17, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 17, 2026: 6.75% APROct 2, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20267.00%▲ from 6.75%
  • Sep 17, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
60 Month Vehicle (New 2026-2027) Loan - - 5.49% 60 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $19.09
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Oct 5, 2026: 5.49% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
72 Month Vehicle (New 2026-2027) Loan - - 5.59% 72 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $16.38
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.59% APR · checked 2 times
5.09%5.59%6.09%Oct 5, 2026: 5.59% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
84 Month Vehicle (New 2026-2027) Loan - - 5.69% 84 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $14.46
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.69% APR · checked 2 times
5.19%5.69%6.19%Oct 5, 2026: 5.69% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
72 Month Vehicle (Used 2022-2025) Loan - - 5.99% 72 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $16.56
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 5, 2026: 5.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
96 Month Vehicle (New 2026-2027) Loan - - 5.99% 96 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $13.33
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 5, 2026: 5.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
60 Month Vehicle (Used Used 2017-2021) Loan - - 6.49% 60 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $19.56
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 5, 2026: 6.49% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle (New 2026-2027) Loan - 6.99% 60 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $19.79
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 5, 2026: 6.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
RV (New 2026-2027) Loan - 6.99% 84 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $15.08
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 5, 2026: 6.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Motorcycle (Used 2022-2025) Loan - 7.49% 60 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $20.03
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 5, 2026: 7.49% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Motorcycle (Used 2022-2025) Loan - 7.49% 84 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $15.33
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 5, 2026: 7.49% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Motorcycle (Used 2017-2021) Loan - 7.99% 60 months
Details As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $20.27
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 5, 2026: 7.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
RV (New 2026-2027) K+ Loan - 7.99% 120 months
Details $50; As Low As*; Monthly Payment per $1,000 borrowed (maximum term): $12.12
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 5, 2026: 7.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Credit Card - 9.88%
Details Regular APR: n/a
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.88% APR · checked 8 times
9.38%9.88%10.38%Sep 14, 2026: 9.88% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Fixed Rate/ Closed End 7.50% Up to 72 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 17, 2026: 7.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%

Community Powered Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Builder Loan - - 7.00% Up to 12 months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 17, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
Home Improvement Loan Maximum Loan Amount - - 6.99% Up to 72 months
Details $15,000; As Low As*
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 5, 2026: 6.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
IRA Shares - - 0.50%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.08%
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.
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Financial Health History

Community Powered Federal Credit Union’s Texas Ratio rose from 2.27% in Q3 2023 to 3.08% 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.

0% 1.0★ 1.9% 2.0★ 3.8% 3.0★ 5.6% 4.0★ 7.5% 5.0★ Healthy zone – entire history below the 15% limit 2.27% 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 3.08% 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 Grade
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$142M3.08%5.0A+
March 31, 2026$146M3.91%5.0A+
December 31, 2025$142M2.03%5.0A+
September 30, 2025$143M4.02%5.0A+
June 30, 2025$144M5.22%5.0A+
March 31, 2025$124M5.57%5.0A+
December 31, 2024$120M2.34%5.0A+
September 30, 2024$121M4.12%5.0A+
June 30, 2024$159M2.21%5.0A+
March 31, 2024$163M1.02%5.0A+
December 31, 2023$121M4.21%5.0A+
September 30, 2023$122M2.27%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 Community Powered 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 Community Powered 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 Community Powered Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Powered Federal Credit Union
Website https://cpwrfcu.org
Address 1758 Pulaski Hwy, Bear, DE 19701-1712
Phone 302-392-2930
Fax 302-392-2940
President Gerald Connor
CEO Douglas Troskey
Full-Time Employees 25
Part-Time Employees 5
Branch Locations 4
ATM Locations 2
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
3.08%
Return on Assets (ROA)
0.5856%
Return on Equity (ROE)
3.4013%
Non-Performing Loans Ratio (NPL)
1.49%
Total Assets
141,773,612
Total Amount of Shares and Deposits
118,157,151
Total Shares and Deposits < 1 Year
114,064,933
Total Shares and Deposits 1 3 Years
2,884,210
Total Shares and Deposits > 3 Years
1,208,007
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,629,350
Total Uninsured Shares and Deposits > $250K (F+J)
6,629,350
Total Insured Shares and Deposits > $250K (item 17 less item K)
111,527,801
Total Interest Expense (Sum of items 6 8)
196,824
Share Certificates
383
Number of Accounts for Share Drafts
7,302
IRA KEOGH Accounts
381
Number of Accounts for Regular Shares
12,840
Non Member Deposits
1
Money Market Shares
275
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)
27,332,429
Total Liabilities
118,674,193
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Community Powered 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/community-powered-federal-credit-union-rates-review-15185">
  <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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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Community Powered Federal Credit Union

How many branches does Community Powered Federal Credit Union operate?

Community Powered 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 Community Powered Federal Credit Union?

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

Does Community Powered Federal Credit Union offer online and mobile banking?

Most modern institutions like Community Powered 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://cpwrfcu.org.

Current Community Powered Federal Credit Union Rates

  • 12-Month CD3.55%
  • 24-Month CD3.29%
  • 60-Month CD3.29%
  • Savings0.05%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.

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