What are the current interest rates at Consumers Credit Union?

Current rates for Consumers Credit Union include: 12-Month CD: 0.30%, 24-Month CD: 0.45%, 60-Month CD: 1.01%, Savings: 0.50%, MMA: 0.50%

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Consumers Credit Union Rates & Review October 2026

Q: How many branches does Consumers Credit Union operate?

Consumers 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.

Q: Is a member application needed to join Consumers Credit Union?

Yes, to access services at Consumers 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.

Q: Is there a first-time homebuyer program?

Currently, Consumers 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Consumers Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Consumers Credit Union's top rates as of October 9, 2026 are 1.10% APY on its 60 Month CD and CD IRA CD, 0.50% APY on savings, 0.50% APY on money market accounts, 4.00% APY on checking, 7.25% on its 30-Yr FHA Loan mortgage, rv, boat and powersport loans from 11.79% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Consumers Credit Union CD rates include 60 Month CD and CD IRA CD at 1.01%, 36 Month CD and CD IRA CD at 0.74%, and 36 Month CD and CD IRA CD at 0.69%. Other Consumers Credit Union mortgage rates include Current Mortgage Purchase - 30-Yr VA Loan at 7.38%, Mortgage Refinance - 30-Yr VA Loan at 7.38%, and 30-Yr JUMBO Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Consumers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.56%. Rates last updated and verified on 10/09/2026.

Consumers 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 Consumers Credit Union? Share your experience about Consumers Credit Union by leaving a review below, or read customer reviews before you decide to use Consumers Credit Union.

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

3.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Consumers Credit Union
Groves

7200 Elm Valley Dr
Kalamazoo, MI 49009

https://www.consumerscu.org

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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.

Consumers Credit Union CD Rates

Product	Rate	APY	Term
60 Month CD and CD IRA CD	1.095%	1.10%	60 Month
Min Balance $25,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
60 Month CD and CD IRA CD	1.005%	1.01%	60 Month
Min Balance $1,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
36 Month CD and CD IRA CD	0.74%	0.74%	36 Month
Min Balance $25,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.74% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
36 Month CD and CD IRA CD	0.69%	0.69%	36 Month
Min Balance $1,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.69% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
24 Month CD and CD IRA CD	0.50%	0.50%	24 Month
Min Balance $25,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
24 Month CD and CD IRA CD	0.45%	0.45%	24 Month
Min Balance $1,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
12 Month CD and CD IRA CD	0.35%	0.35%	12 Month
Min Balance $25,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
12 Month CD and CD IRA CD	0.30%	0.30%	12 Month
Min Balance $1,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
6 Month CD and CD IRA CD	0.15%	0.15%	6 Month
Min Balance $25,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
6 Month CD and CD IRA CD	0.10%	0.10%	6 Month
Min Balance $1,000 Details APY* is a registered trademark of the National Credit Union Administration. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Savings Rates

Product	Rate	APY
Liquid Savings Account	0.499%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 - $250,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Christmas Savings	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Savings	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $50 Details Balance: $50+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Money Market Rates

Product	Rate	APY
Money Market IRA	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 + Last Updated 10/09/2026 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: 3.56%
Money Market	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Money Market	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 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: 3.56%
Business Money Market	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Money Market	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Checking Rates

Product	Rate	APY
Interest Checking Accounts	-	4.00%
Min Balance $15,000 Details Qualifications Required; 4.00% APY will apply to balances $15,000.00 and below; 0.01% APY will apply to balances of $15,000.01 or more. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. All Serious Interest Checking Accounts in which reward qualifications are not met will earn 0.01% APY for the entire balance. Fees may reduce earnings. Limit one high interest checking per Social Security number. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 4.00% ▲ 3.60 pts · high 4.00% / low 0.40% Oct 9, 20264.00%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Serious Interest Checking	3.929%	4.00%
Min Balance $0 Details Balance: $0 - $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Serious Interest Checking	-	4.00%
Min Balance $15,000 Details Qualifications Required: 12 debit or credit card purchase transactions on accounts to which you are an owner during the statement cycle; at least a $1,000 average daily balance in the account; receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account; enrolled in and receive monthly eStatements; Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly statement cycle, 4.00% APY will apply to balances $15,000.00 and below; 0.01% APY will apply to balances of $15,000.01 or more. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the statement cycle and dividing by the number of days in the statement cycle. All Serious Interest Checking Accounts in which reward qualifications are not met will earn 0.01% APY for the entire balance. Rates accurate as of October 9, 2026, are variable and subject to change at any time. Fees may reduce earnings. Limit one high interest checking per Social Security number. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Interest Checking	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Serious Interest Checking	0.01%	0.01%
Min Balance $15,000 Details Balance: $15,000.01+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.25%	0.25%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Business Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Current Mortgage Purchase - 30-Yr VA Loan	7.375%	0.000%	7.482%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.48% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Mortgage Refinance - 30-Yr VA Loan	7.375%	0.000%	7.482%	30 years
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.85% → 7.48% ▲ 0.63 pts · high 7.48% / low 6.85% Sep 29, 20267.48%▲ from 7.23% Sep 26, 20267.23%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr JUMBO Fixed	7.50%	0.000%	7.516%	30 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.52% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr JUMBO Refi	7.875%	0.000%	7.891%	30 years
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.52% → 7.89% ▲ 0.38 pts · high 7.89% / low 7.52% Sep 29, 20267.89%▲ from 7.77% Sep 26, 20267.77%▲ from 7.64% Sep 22, 20267.64%▲ from 7.52% Sep 14, 20267.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr FHA Loan	7.25%	0.000%	7.901%	30 years
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.39% → 7.90% ▲ 0.51 pts · high 7.90% / low 7.39% Sep 29, 20267.90%▲ from 7.63% Sep 26, 20267.63%▲ from 7.39% Sep 14, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Automobile Loans	-	-	6.69%	up to 96 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Loan	-	6.99%	up to 180 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Travel Trailers/Motorhomes (RV) Loan	-	8.74%	up to 180 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan	-	11.79%	up to 120 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Low Rate	-	8.99%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 9, 20268.99%▲ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Mastercard Cash Back	-	16.99%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.74% → 16.99% ▲ 0.25 pts · high 16.99% / low 16.74% Oct 9, 202616.99%▲ from 16.74% Sep 14, 202616.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Personal Loan Rates

Product	APR	Term	View More
Small Recreational Vehicles (Personal Watercraft/Snowmobile/ATV/Dirt Bike) Loan	11.79%	up to 120 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%

Consumers Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15-Yr Fixed Purchase	6.75%	0.500%	6.93%	15 years
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
15-Yr Fixed Purchase	6.875%	0.125%	6.995%	15 years
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
15-Yr Refinance	6.875%	0.625%	7.076%	15 years
Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.72% → 7.08% ▲ 0.35 pts · high 7.18% / low 6.72% Oct 9, 20267.08%▼ from 7.18% Sep 29, 20267.18%▲ from 7.02% Sep 26, 20267.02%▲ from 6.87% Sep 22, 20266.87%▲ from 6.78% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
15-Yr Refinance	7.00%	0.250%	7.14%	15 years
Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 6.72% → 7.14% ▲ 0.42 pts · high 7.18% / low 6.72% Oct 9, 20267.14%▼ from 7.18% Sep 29, 20267.18%▲ from 7.02% Sep 26, 20267.02%▲ from 6.87% Sep 22, 20266.87%▲ from 6.78% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Fixed Purchase	7.25%	0.500%	7.363%	30 years
Last Updated 10/09/2026 Rate History 1 change since Oct 2, 2026 · 7.25% → 7.36% ▲ 0.11 pts · high 7.36% / low 7.25% Oct 9, 20267.36%▲ from 7.25% Oct 2, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Fixed Purchase	7.375%	0.000%	7.438%	30 years
Last Updated 10/09/2026 Rate History 1 change since Oct 2, 2026 · 7.25% → 7.44% ▲ 0.19 pts · high 7.44% / low 7.25% Oct 9, 20267.44%▲ from 7.25% Oct 2, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Fixed Purchase	-	-	7.25%	30 years
Details As low as; Mortgage Last Updated 10/09/2026 Rate History No change since Oct 2, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Refinance	7.50%	0.250%	7.589%	30 years
Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.31% → 7.59% ▲ 0.28 pts · high 7.70% / low 7.31% Oct 9, 20267.59%▼ from 7.70% Sep 29, 20267.70%▲ from 7.44% Sep 26, 20267.44%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Refinance	7.625%	0.000%	7.689%	30 years
Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.31% → 7.69% ▲ 0.38 pts · high 7.70% / low 7.31% Oct 9, 20267.69%▼ from 7.70% Sep 29, 20267.70%▲ from 7.44% Sep 26, 20267.44%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
30-Yr Zero Down Loan	8.125%	0.000%	8.212%	30 years
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Motor Cycles (650 CC & above) Loan	-	-	8.74%	up to 120 months
Details As Low As; * Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.56%
Yearly Strides	1.736%	-	1.75%
Min Deposit $100 Last Updated 10/09/2026 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: 3.56%

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

Consumers Credit Union’s Texas Ratio rose from 2.31% in Q3 2023 to 3.56% 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	$2.9B	3.56%	5.0	A+
March 31, 2026	$2.9B	1.88%	5.0	A+
December 31, 2025	$2.7B	3.61%	5.0	A+
September 30, 2025	$2.6B	2.97%	5.0	A+
June 30, 2025	$2.5B	2.54%	5.0	A+
March 31, 2025	$2.5B	0.98%	5.0	A+
December 31, 2024	$2.4B	3.10%	5.0	A+
September 30, 2024	$2.4B	3.46%	5.0	A+
June 30, 2024	$2.3B	1.99%	5.0	A+
March 31, 2024	$2.3B	1.50%	5.0	A+
December 31, 2023	$2.2B	2.92%	5.0	A+
September 30, 2023	$2.1B	2.31%	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 Consumers 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 Consumers 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 Consumers Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Consumers Credit Union

Website https://www.consumerscu.org

Address 7200 Elm Valley Dr, Kalamazoo, MI 49009

Phone 269-345-7804

Fax

President Nick Zafer

CEO Scott Sylvester

Full-Time Employees 473

Part-Time Employees 30

Branch Locations 34

ATM Locations 46

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

3.56%

Return on Assets (ROA)

0.6025%

Return on Equity (ROE)

6.4372%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

2,892,576,166

Total Amount of Shares and Deposits

2,365,305,907

Total Shares and Deposits < 1 Year

2,157,483,841

Total Shares and Deposits 1 3 Years

172,389,020

Total Shares and Deposits > 3 Years

35,433,045

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

418,230,346

Total Uninsured Shares and Deposits > $250K (F+J)

418,230,346

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,947,075,561

Total Interest Expense (Sum of items 6 8)

31,755,869

Share Certificates

11,762

Number of Accounts for Share Drafts

113,774

IRA KEOGH Accounts

1,858

Number of Accounts for Regular Shares

188,383

Non Member Deposits

Money Market Shares

18,812

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)

100,729,511

Total Liabilities

2,621,840,716

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Consumers Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Consumers Credit Union

How many branches does Consumers Credit Union operate?

Consumers 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 Consumers Credit Union?

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

Does Consumers Credit Union offer online and mobile banking?

Most modern institutions like Consumers 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.consumerscu.org.

Current Consumers Credit Union Rates

12-Month CD0.30%
24-Month CD0.45%
60-Month CD1.01%
Savings0.50%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Consumers Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Consumers Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Consumers Credit Union

How many branches does Consumers Credit Union operate?

Is a member application needed to join Consumers Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Consumers Credit Union offer online and mobile banking?

Current Consumers Credit Union Rates

Compare to Other Credit Unions