What are the current interest rates at Eaton Family Credit Union?

Current rates for Eaton Family Credit Union include: 12-Month CD: 3.39%, 18-Month CD: 3.55%, 24-Month CD: 3.03%, 60-Month CD: 3.03%, Savings: 0.04%, MMA: 0.40%

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Eaton Family Credit Union

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Eaton Family Credit Union Rates & Review September 2026

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

Yes, to access services at Eaton Family 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, Eaton Family 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

Eaton Family Credit Union's 18 month CD of Deposit rates are at 3.55%, 12 month CD of Deposit rates are at 3.49%, 12 month bump CD of Deposit rates are at 3.39%, 60 month CD of Deposit rates are at 3.29%, 48 month CD of Deposit rates are at 3.18%. Eaton Family Credit Union's savings rates are at 0.04%. Eaton Family Credit Union's money market rates are at 0.40%. Eaton Family Credit Union's Personal Loan Rates are as low as 16.50%. Eaton Family Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Eaton Family Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.75%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.75%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Eaton Family Credit Union
Eaton Family Credit Union

333 Babbitt Rd
Euclid, OH 44123-1647

https://www.eatonfamilycu.com

Eaton Family Credit Union CD Rates

Product	Rate	APY	Term
18 month Certificate of Deposit	3.50%	3.55%	18 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
12 month Certificate of Deposit	3.45%	3.49%	12 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
12 month bump Certificate of Deposit	3.35%	3.39%	12 month
Details Rates for the 12 Month Bump CD can be raised once anytime and renewed for another 12 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
60 month Certificate of Deposit	3.25%	3.29%	60 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
48 month Certificate of Deposit	3.15%	3.18%	48 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
36 month Certificate of Deposit	3.05%	3.08%	36 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
24 month Certificate of Deposit	3.00%	3.03%	24 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
60 month bump Certificate of Deposit	3.00%	3.03%	60 month
Details Rates for the 60 Month Bump CD can be raised 3 times during the 5-year term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
6 month Certificate of Deposit	2.40%	2.42%	6 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
3 month Certificate of Deposit	1.00%	1.00%	3 month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.10%	0.10%
Min Deposit $50 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Youth Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Regular Share Savings	0.04%	0.04%
Min Deposit $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Special Share Savings	0.04%	0.04%
Min Deposit $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.65%	1.66%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Money Market Account	1.40%	1.41%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Money Market Account	1.30%	1.30%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Money Market Account	1.00%	1.00%
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: 12.75%
Money Market Account	0.90%	0.90%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Money Market Account	0.40%	0.40%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.75%	5 years
Details Promotional Rate of Prime minus 1.50% APR for the first 6 months of the loan, then Prime Rate + 0% for the remaining term. No application fee, closing costs or annual fee. Draw period up to 5 years and 10 year repayment. Only available for properties in Ohio. Home Equity Lines of Credit are variable rate lines of credit, indexed to the Prime Rate as published in the Wall Street Journal plus a margin determined by the Board of Directors. The interest rate on approved loans can change semi-annually on the first day of February and August. The rate will be determined 31 days prior to the change date. The maximum rate is 18.00% APR or that allowed by law. Members cancelling a Home Equity Line of Credit during the initial 5-year draw period will pay the remaining unamortized closing costs. Ohio residents only. Available only on Owner-Occupied Residence. Subject to credit approval from each member's individual credit quality. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Home Equity Loan	-	-	6.75%	15 years
Details Fixed rates as low as 7.75% APR. Term up to 15 years. Available on properties nationwide. Home Equity Loans are fixed rate loans with rates currently as low as 6.75% APR, effective as of April 1, 2026 and are subject to change. Contact us for current rate. Loan is subject to credit approval based on each member's individual credit quality. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles & Motorcycles Loan	-	-	4.74%	up to 72 months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Passenger Vehicle Loan	-	-	4.74%	Up to 72 months
Details Additional APR listed for this product: 6.24%, 7.74%, 8.24%. As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. Rates Current as of April 1, 2026. Rates subject to change with out notice. Please check with our Loan Department for current information. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
New Vehicles & Motorcycles Loan	-	-	5.74%	up to 84 months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Passenger Vehicle Loan	-	-	5.74%	Up to 84 months
Details As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. Rates Current as of April 1, 2026. Rates subject to change with out notice. Please check with our Loan Department for current information. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Used Vehicles & Motorcycles Loan	-	-	6.24%	up to 72 months
Details Additional APR listed for this product: 7.74%, 8.24%. Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Passenger Vehicle Loan	-	-	9.24%	Up to 60 months
Details As Low As; Rates are based on Member's individual credit quality and subject to change without notice. For new vehicles, we can finance up to 100% of the cost to purchase. Rates Current as of April 1, 2026. Rates subject to change with out notice. Please check with our Loan Department for current information. For used vehicles, we lend based on the retail value plus options and mileage. For vehicles 7 years and older, we lend based on wholesale values. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Used Vehicles & Motorcycles Loan	-	-	9.24%	up to 60 months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV and Boat Loan	-	7.00%	Up to 180 months
Details As Low As; Recreational Vehicles and Boats can be financed for up to 180 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Recreational Vehicles & Boats Loan	-	7.00%	Up to 180 months
Details Additional APR listed for this product: 7.50%. Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Used RV and Boat Loan	-	7.50%	Up to 180 months
Details As Low As; Recreational Vehicles and Boats can be financed for up to 180 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Education Loan	-	-	8.25%
Details Condition: 2% of the balance. Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Credit Card Rates

Product	Rate	APR
Shared Secured VISA Card	9.90%	9.90%
Details Secured with money on deposit at Eaton Family Credit Union. Fixed APR. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
VISA Credit Card Secured	-	9.90%
Details Secured with funds on deposit at EFCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Platinum VISA Credit Card	10.65%	10.65%
Details Based on Prime + 3.90% APR. Variable APR. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
VISA Credit Card Platinum	-	10.65%
Details Based on Prime + 3.90% APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Classic VISA Credit Card	13.90%	13.90%
Details Fixed APR. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
VISA Credit Card Classic	-	13.90%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	16.50%	up to 60 months
Details As Low As; Rates and terms are fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Signature Loan	16.50%	Up to 60 months
Details Rates as low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

Eaton Family Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Stretch Pay Loan	-	-	18.00%	30 days
Details Qualifications Required: Eaton Family CU member for at least 120 days; 18 years or older; Verifiable income; Not delinquent on existing loans; Not negative in any share account; Not in the process of filing for bankruptcy under any chapter of the bankruptcy code.; Annual Fee $35 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Stretch Pay Loan	-	-	18.00%	30 days
Details Qualifications Required: Eaton Family CU member for at least 120 days; 18 years or older; Verifiable income; Not delinquent on existing loans; Not negative in any share account; Not in the process of filing for bankruptcy under any chapter of the bankruptcy code.; Annual Fee $70 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%
Education IRA	0.50%	-	0.50%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.75%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Eaton Family Credit Union’s Texas Ratio rose from 9.86% in Q2 2023 to 12.75% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$78M	12.75%	5.0	A
December 31, 2025	$77M	13.60%	5.0	A
September 30, 2025	$77M	14.85%	5.0	A-
June 30, 2025	$77M	9.64%	5.0	A
March 31, 2025	$77M	7.68%	5.0	A
December 31, 2024	$76M	9.21%	5.0	A
September 30, 2024	$78M	14.52%	5.0	A-
June 30, 2024	$77M	15.75%	4.9	A-
March 31, 2024	$80M	12.19%	5.0	A
December 31, 2023	$79M	14.15%	5.0	A-
September 30, 2023	$78M	10.14%	5.0	A
June 30, 2023	$78M	9.86%	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 Eaton Family 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 Eaton Family 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 Eaton Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eaton Family Credit Union

Website https://www.eatonfamilycu.com

Address 333 Babbitt Rd, Euclid, OH 44123-1647

Phone 216-920-2000

Fax 216-920-2030

President Gina Jackson

CEO Michael Losneck

Full-Time Employees 20

Part-Time Employees 2

Branch Locations 6

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.75%

Return on Assets (ROA)

0.0127%

Return on Equity (ROE)

0.1194%

Non-Performing Loans Ratio (NPL)

2.16%

Total Assets

78,425,885

Total Amount of Shares and Deposits

70,815,585

Total Shares and Deposits < 1 Year

63,656,324

Total Shares and Deposits 1 3 Years

5,420,845

Total Shares and Deposits > 3 Years

1,738,416

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

2,850,386

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

2,850,386

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

67,965,199

Total Interest Expense (Sum of items 6 8)

254,999

Share Certificates

500

Number of Accounts for Share Drafts

3,784

IRA KEOGH Accounts

188

Number of Accounts for Regular Shares

12,294

Money Market Shares

235

Net Income (unless the amount is already included in Undivided Earnings)

9,962

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)

4,283,650

Total Liabilities

71,127,353

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Eaton Family Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Eaton Family Credit Union

How many branches does Eaton Family Credit Union operate?

Eaton Family 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 Eaton Family Credit Union?

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

Does Eaton Family Credit Union offer online and mobile banking?

Most modern institutions like Eaton Family 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.eatonfamilycu.com.