What are the current interest rates at Crouse Federal Credit Union?

Current rates for Crouse Federal Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 3.46%, 24-Month CD: 3.90%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Crouse Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Crouse 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Crouse 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: October 9, 2026

Crouse Federal Credit Union's top rates as of October 9, 2026 are 4.21% APY on its 10 Month Special CD, personal loans from 7.50% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other Crouse Federal Credit Union CD rates include 10 Month Special CD at 4.15%, 6 Month CD at 4.15%, and 6 Month CD at 4.10%. MonitorBankRates evaluates the financial stability of Crouse Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.30%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Crouse Federal Credit Union
CROUSE MAIN OFFICE

730 S Crouse Ave
SYRACUSE, NY 13210-1754

https://www.crousefcu.com

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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.

Crouse Federal Credit Union CD Rates

Product	Rate	APY	Term
10 Month Special Certificate	4.15%	4.21%	10 Month
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.11% → 4.21% ▲ 0.10 pts · high 4.21% / low 4.11% Oct 5, 20264.21%▲ from 4.11% Sep 17, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
10 Month Special Certificate	4.10%	4.15%	10 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
6 Month Certificate	4.10%	4.15%	6 months
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85% Oct 5, 20264.15%▲ from 3.85% Sep 17, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
6 Month Certificate	4.05%	4.10%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
3 Month Certificate	3.90%	3.92%	3 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
24 Month Certificate	3.85%	3.90%	24 months
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
12 Month Certificate	3.55%	3.60%	12 months
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
12 Month Certificate	3.50%	3.56%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
18 Month Certificate	3.45%	3.55%	18 months
Min Deposit $25,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
18 Month Certificate	3.40%	3.46%	18 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Crouse Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Purchase or Refinance 2023-2027 (New and Used)	-	-	3.99%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase or Refinance 2023-2027 (New and Used)	-	-	4.29%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase (Used) or Refinance 2019-2022	-	-	4.59%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase or Refinance 2023-2027 (New and Used)	-	-	4.69%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase (Used) or Refinance 2019-2022	-	-	4.99%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase or Refinance 2023-2027 (New and Used)	-	-	4.99%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase (Used) or Refinance 2019-2022	-	-	5.29%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase or Refinance 2023-2027 (New and Used)	-	-	5.59%	84 months
Details 84 mo requires finance amount over $25,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Sports Craft New /Untitled Motorcycle, Jet Ski, ATV (various description), Snowmobiles, Tractors, Trailers and other purchases Year of Vehicle 20243 to 2027 Loan	-	-	5.75%	36 months
Details Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase (Used) or Refinance 2019-2022	-	-	5.99%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Sports Craft New /Untitled Motorcycle, Jet Ski, ATV (various description), Snowmobiles, Tractors, Trailers and other purchases Year of Vehicle 20243 to 2027 Loan	-	-	5.99%	60 months
Details Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Sports Craft New /Untitled Motorcycle, Jet Ski, ATV (various description), Snowmobiles, Tractors, Trailers and other purchases Year of Vehicle 20243 to 2027 Loan	-	-	6.25%	72 months
Details Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Used Sports Craft Used Motorcycle, Jet Ski, ATV, Snowmobiles, Tractors, Trailers and other purchases Year of Vehicle 2016 to 2027 Loan	-	-	6.25%	36 months
Details Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Used Sports Craft Used Motorcycle, Jet Ski, ATV, Snowmobiles, Tractors, Trailers and other purchases Year of Vehicle 2016 to 2027 Loan	-	-	6.75%	60 months
Details Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Auto Purchase (Used) or Refinance 2019-2022	-	-	6.79%	84 months
Details 84 mo requires NADA value $35,000 or more Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Older Vehicles (2018 and Older) Included in this category-automobiles, boats, RV, motorcycle, and other purchases	-	-	7.50%	36 months
Details Term based on year, mileage and NADA values. Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Older Vehicles (2018 and Older) Included in this category-automobiles, boats, RV, motorcycle, and other purchases	-	-	7.75%	48 months
Details Term based on year, mileage and NADA values. Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Older Vehicles (2018 and Older) Included in this category-automobiles, boats, RV, motorcycle, and other purchases	-	-	7.99%	60 months
Details Term based on year, mileage and NADA values. Rates are listed "As low as" Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or .50% will be added to the rate. Subject to change without notice. * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Crouse Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats/RV 2024-2027 New -Untitled Loan	-	5.75%	36 months
Details Refinance your loan from other lenders---- 6mos from original contract date. Terms based on year, mileage and NADA values. Finance may be available to cover the costs of sales tax. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Boats/RV 2024-2027 New -Untitled Loan	-	5.99%	60 months
Details Refinance your loan from other lenders---- 6mos from original contract date. Terms based on year, mileage and NADA values. Finance may be available to cover the costs of sales tax. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Used Boats/RV 2017-2027 Loan	-	6.25%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Used Boats/RV 2017-2027 Loan	-	6.75%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Boats/RV 2024-2027 New -Untitled Loan	-	6.99%	84 months
Details Refinance your loan from other lenders---- 6mos from original contract date. Terms based on year, mileage and NADA values. Finance may be available to cover the costs of sales tax. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Boats/RV 2024-2027 New -Untitled Loan	-	7.25%	120 months
Details Refinance your loan from other lenders---- 6mos from original contract date. Terms based on year, mileage and NADA values. Finance may be available to cover the costs of sales tax. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Used Boats/RV 2017-2027 Loan	-	7.45%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
New Boats/RV 2024-2027 New -Untitled Loan	-	7.50%	144 months
Details Refinance your loan from other lenders---- 6mos from original contract date. Terms based on year, mileage and NADA values. Finance may be available to cover the costs of sales tax. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Used Boats/RV 2017-2027 Loan	-	7.75%	120 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Crouse Federal Credit Union Credit Card Rates

Product	Rate	APR
Sweep Crouse Visa Credit Card Loan	-	8.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Sweep Crouse Visa Credit Card Loan	-	9.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Visa Credit Card	-	11.99%
Details As low as; new accounts Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Secured Credit Card	-	17.99%
Details As low as; new accounts Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 17.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Crouse Federal Credit Union Personal Loan Rates

Product	APR	Term
SIGNATURE LOANS	7.50%	Up to 12 months
Details As low as Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
SIGNATURE LOANS	7.75%	24 months
Details As low as Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
SIGNATURE LOANS	8.00%	36 months
Details As low as Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
SIGNATURE LOANS	8.25%	48 months
Details As low as Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
SIGNATURE LOANS	8.75%	60 months
Details As low as Based on credit score from Experian 680 or higher. We have many other excellent rates and terms available based on individual terms, conditions, and scores. Rate assumes automatic payment on contractual due date or an upcharge of .50% will be added to the rate. This is subject to change without notice * APR Annual Percentage rate Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Bill Consolidation Loan	14.00%	36 months
Details (List of Bills required see space below) Checks payable to creditors Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 14.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Bill Consolidation Loan	16.75%	60 months
Details (List of Bills required see space below) Checks payable to creditors Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 16.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Crouse Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Healthy Choice Loan	-	-	7.50%	36 months
Details Health related expenses. Bills, Equipment, Surgery, Cosmetic, Eyes, Dental Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Healthy Choice Loan	-	-	7.75%	48 months
Details Health related expenses. Bills, Equipment, Surgery, Cosmetic, Eyes, Dental Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Healthy Choice Loan	-	-	8.00%	60 months
Details Health related expenses. Bills, Equipment, Surgery, Cosmetic, Eyes, Dental Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
HOME IMPROVEMENT Loan	-	-	7.00%	24 months
Details Maximum amount $30,000.00 Written Contractor Estimates Required Eligible borrowers must have 600+ credit score with Experian. Rates based on credit score 3 years plus with same employer, Income to debt qualification 30% or less. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
HOME IMPROVEMENT Loan	-	-	7.50%	36 months
Details Maximum amount $30,000.00 Written Contractor Estimates Required Eligible borrowers must have 600+ credit score with Experian. Rates based on credit score 3 years plus with same employer, Income to debt qualification 30% or less. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
HOME IMPROVEMENT Loan	-	-	8.00%	60 months
Details Maximum amount $30,000.00 Written Contractor Estimates Required Eligible borrowers must have 600+ credit score with Experian. Rates based on credit score 3 years plus with same employer, Income to debt qualification 30% or less. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
HOME IMPROVEMENT Loan	-	-	8.25%	72 months
Details Maximum amount $30,000.00 Written Contractor Estimates Required Eligible borrowers must have 600+ credit score with Experian. Rates based on credit score 3 years plus with same employer, Income to debt qualification 30% or less. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Line of Credit / Overdraft Protection	-	-	11.99%
Details As low as; new accounts Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Mechanical Repair Coverage Loan	-	-	7.25%	36 months
Details Help protect your vehicle. 3 plans available. Cost may be far less than dealer costs for this coverage Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Mechanical Repair Coverage Loan	-	-	7.50%	60 months
Details Help protect your vehicle. 3 plans available. Cost may be far less than dealer costs for this coverage Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Mechanical Repair Coverage Loan	-	-	7.75%	72 months
Details Help protect your vehicle. 3 plans available. Cost may be far less than dealer costs for this coverage Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Share Secured Loan - 100% Shares Pledged	-	-	3.99%	24 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Share Secured Loan - 100% Shares Pledged	-	-	4.99%	60 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Share Secured Loan - 50% Shares Pledged	-	-	5.75%	24 months
Details Maximum limits apply Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Share Secured Loan - 50% Shares Pledged	-	-	6.00%	60 months
Details Maximum limits apply Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

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

Crouse Federal Credit Union’s Texas Ratio stayed near 0.75% in Q3 2023 to 0.30% 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	$20M	0.30%	5.0	A+
March 31, 2026	$21M	0.13%	5.0	A+
December 31, 2025	$20M	0.11%	5.0	A+
September 30, 2025	$20M	0.98%	5.0	A+
June 30, 2025	$20M	2.48%	5.0	A+
March 31, 2025	$20M	1.34%	5.0	A+
December 31, 2024	$20M	1.58%	5.0	A+
September 30, 2024	$20M	2.25%	5.0	A+
June 30, 2024	$20M	1.13%	5.0	A+
March 31, 2024	$20M	1.08%	5.0	A+
December 31, 2023	$19M	0.66%	5.0	A+
September 30, 2023	$19M	0.75%	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 Crouse 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 Crouse 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 Crouse Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Crouse Federal Credit Union

Website https://www.crousefcu.com

Address 730 S Crouse Ave, SYRACUSE, NY 13210-1754

Phone 315-470-7928

Fax 315-470-5633

President ROSEMARY MIRRA-BRODT

CEO DONNA LADLEY

Full-Time Employees 3

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.30%

Return on Assets (ROA)

0.1949%

Return on Equity (ROE)

1.9488%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

20,232,280

Total Amount of Shares and Deposits

18,152,654

Total Shares and Deposits < 1 Year

18,152,653

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

18,152,654

Total Interest Expense (Sum of items 6 8)

85,734

Share Certificates

Number of Accounts for Share Drafts

826

Number of Accounts for Regular Shares

2,362

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)

1,021,090

Total Liabilities

18,208,484

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Crouse Federal Credit Union earned the Verified Healthy badge

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Average Rating

☆☆☆☆☆

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Frequently Asked Questions About Crouse Federal Credit Union

How many branches does Crouse Federal Credit Union operate?

Crouse 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 Crouse Federal Credit Union?

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

Does Crouse Federal Credit Union offer online and mobile banking?

Most modern institutions like Crouse 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.crousefcu.com.