What are the current interest rates at Eagle Community Credit Union?

Current rates for Eagle Community Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 4.10%, 24-Month CD: 3.25%, 60-Month CD: 3.30%, Savings: 0.10%, MMA: 0.45%

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Eagle Community Credit Union

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Eagle Community Credit Union Rates & Review September 2026

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

Yes, to access services at Eagle Community 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, Eagle Community 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: September 22, 2026

Eagle Community Credit Union's 18-month Promotional Term CD rates are at 4.10%, 18-month Promotional Term IRA CD rates are at 4.10%, 10 Month Stretch CD rates are at 3.65%, 60 Month Early Saver CD rates are at 3.30%, 60 Month IRA CDs rates are at 3.30%. Eagle Community Credit Union's savings rates are at 0.10%. Eagle Community Credit Union's money market rates are at 0.45%. Eagle Community Credit Union's Personal Loan Rates are as low as 11.49%. Eagle Community Credit Union's Credit Card Rates are at 12.50%. MonitorBankRates evaluates the financial stability of Eagle Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 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

3.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Eagle Community Credit Union
Corporate

27042 Towne Centre Dr Ste 100
Foothill Ranch, CA 92610-2810

https://www.eaglecu.org

Eagle Community Credit Union CD Rates

Product	Rate	APY	Term
18-month Promotional Term Certificate	4.03%	4.10%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
18-month Promotional Term IRA Certificate	4.03%	4.10%	18 Months
Min Deposit $500 Min Balance $500 Details The promotional 18-month Certificate offers a dividend rate of 4.025%, with an Annual Percentage Yield (APY) of 4.100%. Dividends are credited as stated in the terms of the Truth-in-Savings Disclosure Account Agreement. Upon maturity, the Certificate will automatically renew into a standard, non-promotional 24-month Certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, conditions, and terms are subject to change without notice. These promotions are a limited time offer. Please contact Eagle Community Credit Union for the most current information. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
10 Month Stretch Certificate	3.59%	3.65%	10 Months
Min Deposit $1,000 Min Balance $1,000 Details During the fifth month of the 10-month term, the member may elect one time to adjust the dividend rate to the then-current published 10-Month Stretch Certificate rate, provided the rate is higher than the original rate. If the rate is adjusted, the certificate term will automatically extend an additional five months, resulting in a 15-month certificate. At maturity it will automatically renew into another 10-month certificate at the dividend rate in effect at the time of renewal. If the rate adjustment option is not exercised, the certificate will mature at the end of the original 10-month term and will automatically renew into another 10-month certificate at the dividend rate in effect at the time of renewal. Early withdrawal penalties may apply. Membership eligibility and other terms and conditions apply. Rates, terms, and conditions are subject to change without notice. This promotional offer is available for a limited time. Please contact Eagle Community Credit Union for current rates and complete details. Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month Early Saver Certificate	3.25%	3.30%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month IRA Certificates	3.25%	3.30%	60 Months
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. The APY assumes deposits and dividends are held to maturity. Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month Share Certificates	3.25%	3.30%	60 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
60 Month Term Share Certificate	3.25%	3.30%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 60 month	3.25%	3.30%	60 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month Early Saver Certificate	3.20%	3.25%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month IRA Certificates	3.20%	3.25%	12 Months
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. The APY assumes deposits and dividends are held to maturity. Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month Share Certificates	3.20%	3.25%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
12 Month Term Share Certificate	3.20%	3.25%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month Early Saver Certificate	3.20%	3.25%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month IRA Certificates	3.20%	3.25%	24 Months
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. The APY assumes deposits and dividends are held to maturity. Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month Share Certificates	3.20%	3.25%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
24 Month Term Share Certificate	3.20%	3.25%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 12 month	3.20%	3.25%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 24 month	3.20%	3.25%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month Early Saver Certificate	3.15%	3.20%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month IRA Certificates	3.15%	3.20%	48 Months
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. The APY assumes deposits and dividends are held to maturity. Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month Share Certificates	3.15%	3.20%	48 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
48 Month Term Share Certificate	3.15%	3.20%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 48 month	3.15%	3.20%	48 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month Early Saver Certificate	3.11%	3.15%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month IRA Certificates	3.11%	3.15%	36 Months
Min Deposit $500 Min Balance $500 Details APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice. The APY assumes deposits and dividends are held to maturity. Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union's Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month Share Certificates	3.11%	3.15%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
36 Month Term Share Certificate	3.11%	3.15%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 36 month	3.11%	3.15%	36 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month Early Saver Certificate	3.06%	3.10%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month Share Certificates	3.06%	3.10%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
6 Month Term Share Certificate	3.06%	3.10%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 6 month	3.06%	3.10%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month Early Saver Certificate	2.47%	2.50%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month Share Certificates	2.47%	2.50%	3 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
3 Month Term Share Certificate	2.47%	2.50%	3 Months
Min Deposit $50,000 Min Balance $50,000 Details $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Term Share Certificate - 3 month	2.47%	2.50%	3 Months
Min Deposit $100,000 Min Balance $100,000 Details $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Savings Rates

Product	Rate	APY
Next Gen Savings	4.89%	5.00%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $5000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Savings	1.49%	1.50%
Min Deposit $25 Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Savings	0.50%	0.50%
Min Deposit $25 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Access Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Access Savings	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Next Gen Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5,000 Details Balance: >$5000; Balances exceeding $5,000 will earn 0.100% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Next Gen Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Next Gen Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Treasure Chest Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Treasure Chest Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Money Market Rates

Product	Rate	APY
Premier Business Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Money Market	2.47%	2.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premium Advantage Money Market Account	0.85%	0.85%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premium Advantage Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premium Advantage Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premium Advantage Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premium Advantage Money Market Account	0.45%	0.45%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Checking Rates

Product	Rate	APY
Premier Business Checking	1.98%	2.00%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Checking	1.98%	2.00%
Min Deposit $100 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Premier Business Checking	1.98%	2.00%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Ultimate Checking	0.25%	0.25%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 and up (if qualified) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Ultimate Checking	0.03%	0.03%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Ultimate Checking	0.03%	0.03%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Ultimate Checking	0.03%	0.03%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	5.74%	12 months
Details As low as; After the promotional period, your rate is based on the current Prime Rate plus a margin depending on your creditworthiness. Rate includes a 0.25% rate discount for autopay from an Eagle checking account. Maximum APR is capped at 18.00% and is subject to change. A minimum APR limit of 3.50% also applies. Membership and certain restrictions apply. A lien will be required on the subject property. All loan programs are subject to approval. Additional restrictions apply to all programs. This offer is only available on Eagle Community Credit Union home equity lines of credit that are owner-occupied, single-family residences or owner-occupied townhomes located in California. Investment properties are not included in this promotion. All interest rates are subject to change. Must meet membership eligibility and lending criteria. A $75 annual fee applies. Property insurance will be required. A $625-$1,425 fee applies if paid and closed within 3 years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Line of Credit (HELOC)	-	-	7.25%	30 Years
Details Up to 80%; Rate includes a 0.25% rate discount for autopay from an Eagle checking account. Maximum APR is capped at 18.00% and is subject to change. A minimum APR limit of 3.50% also applies. Membership and certain restrictions apply. A lien will be required on the subject property. All loan programs are subject to approval. Additional restrictions apply to all programs. This offer is only available on Eagle Community Credit Union home equity lines of credit that are owner-occupied, single-family residences or owner-occupied townhomes located in California. Investment properties are not included in this promotion. All interest rates are subject to change. Must meet membership eligibility and lending criteria. A $75 annual fee applies. Property insurance will be required. A $625-$1,425 fee applies if paid and closed within 3 years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.99%	Up to 60 Months
Details Published APR range: 4.99% - 15.99%. Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto	-	-	5.24%	61-72 Months
Details Published APR range: 5.24% - 10.99%. Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto	-	-	5.24%	Up to 60 Months
Details Published APR range: 5.24% - 19.24%. Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.; Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto	-	-	5.49%	61-72 Months
Details Published APR range: 5.49% - 14.24%. Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.; Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Auto	-	-	5.74%	73-84 Months
Details Published APR range: 5.74% - 11.99%. Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Auto	-	-	5.99%	73-84 Months
Details Published APR range: 5.99% - 15.24%. Financing: Up to 125%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.; Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New or Used Motorcycle Loan	-	7.99%	Up to 48 Months
Details Published APR range: 7.99% - 16.24%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Boat Loan	-	8.00%	Up to 72 Months
Details Published APR range: 8.00% - 14.25%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Recreational Vehicle Loan	-	8.00%	Up to 60 Months
Details Published APR range: 8.00% - 17.75%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Recreational Vehicle Loan	-	8.00%	61 - 72 Months
Details Published APR range: 8.00% - 11.75%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Boat Loan	-	8.25%	73 - 84 Months
Details Published APR range: 8.25% - 14.50%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Recreational Vehicle Loan	-	8.25%	73 - 120 Months
Details Published APR range: 8.25% - 12.00%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Motorcycle Loan	-	8.49%	49 - 84 Months
Details Published APR range: 8.49% - 16.74%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Recreational Vehicle Loan	-	9.99%	Up to 48 Months
Details Published APR range: 9.99% - 18.24%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New or Used Recreational Vehicle Loan	-	10.49%	60 - 84 Months
Details Published APR range: 10.49% - 18.74%. Financing: Up to 100%; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	12.50%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.49%	Up to 24 Months
Details Published APR range: 11.49% - 21.74%. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loan	11.74%	25 - 36 Months
Details Published APR range: 11.74% - 21.99%. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loan	11.99%	37 - 48 Months
Details Published APR range: 11.99% - 22.24%. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loan	12.24%	49 - 60 Months
Details Published APR range: 12.24% - 22.49%. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loan	13.24%
Details Published APR range: 13.24% - 23.49%. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loan	18.99%	Up to 9 Months
Details APR=Annual Percentage Rate. Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Personal Loan	28.00%	Up to 36 Months
Details Your APR is determined by your credit qualifications. Rates quoted are subject to change at any time without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Eagle Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan	-	-	11.90%	12 Months
Details Published APR range: 11.90%-19.90%. The Holiday Loan is available only during promotional periods. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Manufactured Home Loan	-	-	8.10%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
New Manufactured Home Loan	-	-	8.10%	240 Months
Details Published APR range: 8.10% - 10.80%. LTV: 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Manufactured Home Loan	-	-	8.20%	240 Months
Details Published APR range: 8.20%-10.90%. Age / Year Built: Current - 1976; LTV: 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Manufactured Home Loan	-	-	9.20%	240 Months
Details Published APR range: 9.20% - 11.90%. Age / Year Built: 1975 or older; LTV: 80% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Savings (SEP, Coverdell Education, Roth)	0.10%	-	0.10%
Min Deposit $100 Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
IRA Savings (SEP, Coverdell Education, Roth)	0.15%	-	0.15%
Min Deposit $100 Min Balance $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

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

Eagle Community Credit Union’s Texas Ratio stayed near 3.62% in Q2 2023 to 3.38% in Q1 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
March 31, 2026	$411M	3.38%	5.0	A+
December 31, 2025	$393M	4.83%	5.0	A+
September 30, 2025	$370M	3.38%	5.0	A+
June 30, 2025	$358M	3.28%	5.0	A+
March 31, 2025	$366M	2.44%	5.0	A+
December 31, 2024	$357M	3.91%	5.0	A+
September 30, 2024	$357M	4.93%	5.0	A+
June 30, 2024	$359M	5.79%	5.0	A+
March 31, 2024	$363M	3.45%	5.0	A+
December 31, 2023	$352M	5.07%	5.0	A+
September 30, 2023	$366M	3.36%	5.0	A+
June 30, 2023	$366M	3.62%	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 Eagle Community 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 Eagle Community 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 Eagle Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eagle Community Credit Union

Website https://www.eaglecu.org

Address 27042 Towne Centre Dr Ste 100, Foothill Ranch, CA 92610-2810

Phone 800-324-5328

Fax

President Philip Soulanille

CEO Michael Kim

Full-Time Employees 110

Part-Time Employees 4

Branch Locations 6

ATM Locations 6

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

3.38%

Return on Assets (ROA)

0.0853%

Return on Equity (ROE)

0.8821%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

411,440,538

Total Amount of Shares and Deposits

365,601,342

Total Shares and Deposits < 1 Year

320,731,924

Total Shares and Deposits 1 3 Years

43,821,792

Total Shares and Deposits > 3 Years

1,047,626

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

21,461,545

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

47,279,339

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

318,322,003

Total Interest Expense (Sum of items 6 8)

1,673,088

Share Certificates

2,850

Number of Accounts for Share Drafts

16,448

IRA KEOGH Accounts

841

Number of Accounts for Regular Shares

16,425

Non Member Deposits

Money Market Shares

1,018

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)

49,744,716

Total Liabilities

371,978,417

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Eagle Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Eagle Community Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Eagle Community Credit Union

Frequently Asked Questions About Eagle Community Credit Union

How many branches does Eagle Community Credit Union operate?

Eagle Community 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 Eagle Community Credit Union?

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

Does Eagle Community Credit Union offer online and mobile banking?

Most modern institutions like Eagle Community 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.eaglecu.org.

Current Eagle Community Credit Union Rates

12-Month CD3.25%
18-Month CD4.10%
24-Month CD3.25%
60-Month CD3.30%
Savings0.10%
MMA0.45%

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

Compare to Other Credit Unions

Eagle Community Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Eagle Community Credit Union Texas Ratio

Eagle Community Credit Union Health Trend

Eagle Community Credit Union CD Rates

Eagle Community Credit Union Savings Rates

Eagle Community Credit Union Money Market Rates

Eagle Community Credit Union Checking Rates

Eagle Community Credit Union Home Equity & HELOC

Eagle Community Credit Union Auto Loan Rates

Eagle Community Credit Union RV, Boat and Powersport Loan Rates

Eagle Community Credit Union Credit Card Rates

Eagle Community Credit Union Personal Loan Rates

Eagle Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Eagle Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Eagle Community Credit Union

How many branches does Eagle Community Credit Union operate?

Is a member application needed to join Eagle Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Eagle Community Credit Union offer online and mobile banking?

Current Eagle Community Credit Union Rates

Compare to Other Credit Unions