What are the current interest rates at Coosa Pines Federal Credit Union?

Current rates for Coosa Pines Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.00%, 60-Month CD: 2.75%, Savings: 0.55%, MMA: 3.00%

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Coosa Pines Federal Credit Union

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Coosa Pines Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coosa Pines Federal 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: August 28, 2026

Coosa Pines Federal Credit Union's 12 month rates are at 3.75%, 6 month rates are at 3.50%, 24 month rates are at 3.00%, 36 month rates are at 2.75%, 48 month rates are at 2.75%. Coosa Pines Federal Credit Union's savings rates are at 0.55%. Coosa Pines Federal Credit Union's money market rates are at 3.00%. Coosa Pines Federal Credit Union's 1st Mortgage Only rates are at 5.40%, 1st Mortgage Only rates are at 5.60%, 1st Mortgage Only rates are at 5.80%, 1st Mortgage Only rates are at 6.30%, 15-Year Fixed Rate Mortgage rates are at 6.95%. Coosa Pines Federal Credit Union's Personal Loan Rates are at 7.50%. MonitorBankRates evaluates the financial stability of Coosa Pines Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates last updated and verified on 08/28/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.45%

Excellent Lower than avg

Coosa Pines Federal Credit Union
Coosa Pines Federal Credit Union

33710 US Highway 280
Childersburg, AL 35044 3016

https://www.coosapinesfcu.org

Coosa Pines Federal Credit Union CD Rates

Product	Rate	APY	Term
12 month	-	3.75%	12 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
6 month	-	3.50%	6 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
24 month	-	3.00%	24 months
Min Deposit $500 Min Balance $500 Details The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
36 month	-	2.75%	36 months
Min Deposit $500 Min Balance $500 Details The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
48 month	-	2.75%	48 months
Min Deposit $500 Min Balance $500 Details The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
60 month	-	2.75%	60 months
Min Deposit $500 Min Balance $500 Details The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. APY = Annual Percentage Yield. Rates are subject to change without notice. Contact credit union to verify current rates and yields. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts (Christmas & Vacation Club)	-	0.55%
Min Balance $5 Details Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Regular Share (Savings)	-	0.55%
Min Balance $5 Details Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Share Account	-	3.00%
Min Deposit $2,500 Min Balance $0 Details First tier. Minimum balance required to earn the stated APY for each tier is shown in the table above. Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Checking Rates

Product	Rate	APY	View More
Regular Checking	-	0.10%
Details Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Mortgage Only	5.40%	-	5.67%	15-Year Fixed Rate Mortgage
Details Max LTV: <=80%; Credit: A+ Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	5.60%	-	5.87%	15-Year Fixed Rate Mortgage
Details Max LTV: <=90%; Credit: A+ Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	5.80%	-	6.07%	15-Year Fixed Rate Mortgage
Details Max LTV: <=90%; Credit: A Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	6.30%	-	6.58%	15-Year Fixed Rate Mortgage
Details Max LTV: <=80%; Credit: B Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Rate Mortgage	6.95%	-	7.23%	15-Year Fixed
Details Max LTV <=75% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	6.95%	-	7.23%	15-Year Fixed Rate Mortgage
Details Max LTV: <=75%; Credit: C Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Land Only or Unimproved/ Improved Property Mortgage	8.25%	1%	8.25%	12 Years
Details Maximum LTV on Unimproved Property is 65%; Maximum LTV on Improved Property is 90%; Example payment on $100,000 value land and loan of $65,000, 12-year fixed-rate mortgage at 8.25% rate is $712.87. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans	-	-	4.60%	51 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	4.70%	63 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	4.80%	63 months
Details As Low As; 2023-2018 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	5.20%	75 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	5.60%	75 months
Details As Low As; 2023-2018 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	6.20%	84 months
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans 2026, 2025 Or Newer	-	-	6.25%	60
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Used Auto Loans to 2018	-	-	6.25%	60
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	6.40%	84 months
Details As Low As; 2023-2018 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans 2026, 2025 Or Newer	-	-	6.50%	72
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Used Auto Loans to 2018	-	-	6.50%	72
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	7.10%	63 months
Details As Low As; Models 2017-2007 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	7.40%	48 months
Details As Low As; Models 2006 & Older and Antique Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans 2026, 2025 Or Newer	-	-	7.50%	84*
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Used Auto Loans to 2018	-	-	7.50%	84*
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Used Auto Loans 2017 & Older	-	-	7.90%	48
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans 2026, 2025 Or Newer	-	-	8.00%	120*
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Used Auto Loans to 2018	-	-	8.00%	120*
Details As low as; Rate subject to change without notice. Contact a loan officer to verify current rates. Quoted rates are our lowest rates offered; this is a partial list. The APR you receive will be based on your creditworthiness, type and year model of recreational vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Personal Loan Rates

Product	Rate	APR
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan	-	7.50%
Details As Low As; 2026, 2025 or Newer Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan	-	7.90%
Details As Low As; 2026, 2025 or Newer Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes Loan	-	8.50%
Details As Low As; 2026, 2025 or Newer Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Coosa Pines 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 Coosa Pines 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 Coosa Pines Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coosa Pines Federal Credit Union

Website https://www.coosapinesfcu.org

Address 33710 US Highway 280, Childersburg, AL 35044 3016

Phone 256-378-5559

Fax 256-378-3881

President Claude Welch

CEO Don Carden

Full-Time Employees 59

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.45%

Return on Assets (ROA)

1.6110%

Return on Equity (ROE)

9.9292%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

393,094,498

Total Amount of Shares and Deposits

332,417,599

Total Shares and Deposits < 1 Year

324,954,719

Total Shares and Deposits 1 3 Years

7,148,235

Total Shares and Deposits > 3 Years

314,646

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

20,925,863

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

20,925,863

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

311,491,736

Total Interest Expense (Sum of items 6 8)

3,582,131

Share Certificates

2,270

Number of Accounts for Share Drafts

17,407

IRA KEOGH Accounts

1,105

Number of Accounts for Regular Shares

27,826

Money Market Shares

609

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)

32,436,438

Total Liabilities

334,272,451

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Coosa Pines Federal Credit Union

How many branches does Coosa Pines Federal Credit Union operate?

Coosa Pines 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 Coosa Pines Federal Credit Union?

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

Does Coosa Pines Federal Credit Union offer online and mobile banking?

Most modern institutions like Coosa Pines Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.coosapinesfcu.org.