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

Current rates for Envista Federal Credit Union include: 12-Month CD: 4.01%, 18-Month CD: 3.00%, 24-Month CD: 4.00%, 60-Month CD: 3.50%, Savings: 0.50%, MMA: 3.50%

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Envista Federal Credit Union

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Envista Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Envista 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, Envista 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

Envista Federal Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 36 Month CD, 0.50% APY on savings, 3.50% APY on money market accounts, 0.35% APY on checking, 6.62% on its 5 Year First Mortgage, rv, boat and powersport loans from 9.19% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. Other Envista Federal Credit Union CD rates include 48 Month CD at 4.25%, 6 Month CD at 4.10%, and 12 Month CD at 4.01%. Other Envista Federal Credit Union mortgage rates include 7 Year First Mortgage at 6.75%, 10 Year First Mortgage at 6.88%, and 15 Year First Mortgage at 7.00%. MonitorBankRates evaluates the financial stability of Envista Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.13%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.13%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Envista Federal Credit Union
Main Office

3626 SW Wanamaker Rd
Topeka, KS 66614-4528

https://www.envistacu.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.

Envista Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Certificate	4.18%	4.25%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
48 Month Certificate	4.18%	4.25%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
6 Month Certificate	4.03%	4.10%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
12 Month Certificate	3.95%	4.01%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
13 Month Special Certificate	3.95%	4.01%	13 Month
Min Deposit $500 Details Special* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
21 Month Special Certificate	3.94%	4.00%	21 Month
Min Deposit $500 Details Special* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
24 Month Certificate	3.94%	4.00%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
30 Month Certificate	3.94%	4.00%	30 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
33 Month Special Certificate	3.94%	4.00%	33 Month
Min Deposit $500 Details Special* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
60 Month Certificate	3.45%	3.50%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
18 Month Certificate	2.96%	3.00%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
3 Month Certificate	0.99%	1.00%	3 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business 13 Month Special	3.95%	4.01%	13 Month
Min Deposit $500 Details Special* Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business 21 Month Special	3.94%	4.00%	21 Month
Min Deposit $500 Details Special* Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business 33 Month Special	3.94%	4.00%	33 Month
Min Deposit $500 Details Special* Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings Account	0.49%	0.50%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Health Savings Account (HSA)	0.20%	0.20%
Min Deposit $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Super Savings Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Super Savings Money Market	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Regular Savings	0.10%	0.10%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Money Market Rates

Product	Rate	APY
Advantage Plus Money Market	2.08%	2.10%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Advantage Plus Money Market	1.39%	1.40%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Advantage Plus Money Market	1.19%	1.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Advantage Plus Money Market	0.99%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Advantage Plus Money Market	0.79%	0.80%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Advantage Plus Money Market	0.69%	0.70%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Advantage Plus Money Market	0.59%	0.60%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Super Savings Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Super Savings Money Market	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Performance Money Market	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Protection Money Market	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Performance Money Market	2.47%	2.50%
Min Balance $300,000 Details Balance: $300,000 - $499,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Protection Money Market	2.22%	2.25%
Min Balance $300,000 Details Balance: $300,000 - $499,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Performance Money Market	1.98%	2.00%
Min Balance $150,000 Details Balance: $150,000 - $299,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Protection Money Market	1.98%	2.00%
Min Balance $150,000 Details Balance: $150,000 - $299,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Performance Money Market	1.48%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $149,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Protection Money Market	1.48%	1.50%
Min Balance $50,000 Details Balance: $50,000 - $149,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Performance Money Market	0.99%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Protection Money Market	0.99%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Performance Money Market	0.79%	0.80%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Business Protection Money Market	0.79%	0.80%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Checking Rates

Product	Rate	APY
Vantage Senior Checking	0.25%	0.25%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Vantage Senior Checking	0.10%	0.10%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Vantage Senior Checking	0.05%	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Business Checking Rates

Product	Rate	APY
Premier Plus Business Checking	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Premier Plus Business Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Premier Plus Business Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5 Year First Mortgage	6.625%	-	6.717%	5 year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.09% → 6.72% ▲ 0.63 pts · high 6.72% / low 6.09% Oct 9, 20266.72%▲ from 6.65% Sep 26, 20266.65%▲ from 6.22% Sep 18, 20266.22%▲ from 6.09% Sep 14, 20266.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
7 Year First Mortgage	6.75%	-	6.818%	7 year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.19% → 6.82% ▲ 0.63 pts · high 6.82% / low 6.19% Oct 9, 20266.82%▲ from 6.57% Sep 26, 20266.57%▲ from 6.32% Sep 18, 20266.32%▲ from 6.19% Sep 14, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
10 Year First Mortgage	6.875%	-	6.925%	10 year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.30% → 6.93% ▲ 0.63 pts · high 6.93% / low 6.30% Oct 9, 20266.93%▲ from 6.67% Sep 26, 20266.67%▲ from 6.42% Sep 18, 20266.42%▲ from 6.30% Sep 14, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
15 Year First Mortgage	7.00%	-	7.219%	15 years
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.59% → 7.22% ▲ 0.63 pts · high 7.22% / low 6.59% Oct 9, 20267.22%▲ from 6.97% Sep 26, 20266.97%▲ from 6.72% Sep 18, 20266.72%▲ from 6.59% Sep 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
20 Year First Mortgage	7.375%	-	7.553%	20 years
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.92% → 7.55% ▲ 0.63 pts · high 7.55% / low 6.92% Oct 9, 20267.55%▲ from 7.18% Sep 26, 20267.18%▲ from 7.05% Sep 18, 20267.05%▲ from 6.92% Sep 14, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
30 Year First Mortgage	7.625%	-	7.765%	30 years
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.14% → 7.77% ▲ 0.63 pts · high 7.77% / low 7.14% Oct 9, 20267.77%▲ from 7.39% Sep 26, 20267.39%▲ from 7.14% Sep 14, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan	6.15%	-	6.297%	5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Fixed Rate Loan	6.50%	-	6.608%	7 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.61% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Fixed Rate Loan	6.65%	-	6.729%	10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.73% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Line of Credit	-	-	6.75%	5 years
Details As low as^ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Fixed Rate Loan	7.15%	-	7.207%	15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.21% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Line of Credit	-	-	7.25%	10 years
Details As low as^ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Line of Credit	-	-	7.75%	15 years
Details As low as^ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.14%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.14% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	5.14%	-	5.28%	60 Months
Details Model Year: 2022 & Newer Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.28% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	5.14%	-	5.31%	48 Months
Details Model Year: 2017 - 2021 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.31% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	5.64%	-	5.76%	72 Months
Details Model Year: 2022 & Newer Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.76% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	5.64%	-	5.78%	60 Months
Details Model Year: 2017 - 2021 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.78% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	6.39%	-	6.48%	84 Months
Details Model Year: 2022 & Newer Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.48% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	6.39%	-	6.51%	72 Months
Details Model Year: 2017 - 2021 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.51% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	7.09%	-	7.26%	48 Months
Details Model Year: 2016 & Older Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.26% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Auto & Motorcycle Loans	7.59%	-	7.73%	60 Months
Details Model Year: 2016 & Older Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.73% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV & Boat Loans - 84 months	8.49%	8.55%	84 months
Details Model Year: 2022 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
RV & Boat Loans - 72 months	8.49%	8.56%	72 months
Details Model Year: 2016 & Older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.56% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
ATV, Personal Watercraft, and Non-Titled Motorcycle Loan	-	9.19%	Up to 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
RV & Boat Loans - 144 months	9.49%	9.57%	144 months
Details Model Year: 2022 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.57% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Credit Card Rates

Product	Rate	APR
ENVISTABLACK Credit Card	-	12.00%
Details Published APR range: 12.00% to 16.25%. Introductory APR for a period of 6 billing cycles, based on credit approval; Regular APR: 12.00% to 16.25% Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.90% → 12.00% ▲ 7.10 pts · high 12.00% / low 4.90% Oct 9, 202612.00%▲ from 4.90% Sep 14, 20264.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
ENVISTABLACK Credit Card	-	19.99%
Details Intro/promo APR: 4.9%; Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%; Promotional purchase APR of 4.9% is available to new cardholders on transactions posted to your account for 12 months following account opening. *The promotional balance transfer APR of 2.9% is available to new cardholders on transactions posted to your account for 6 months following account opening. After the promotional period, the standard purchase and balance transfer APR will vary with the market based on the Prime Rate, based on your credit score, will apply. Rates may vary depending on your creditworthiness. All loans are subject to credit approval. Balance Transfer Fee will apply- $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.90% → 19.99% ▲ 15.09 pts · high 19.99% / low 4.90% Oct 9, 202619.99%▲ from 4.90%* Sep 14, 20264.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Personal Loan Rates

Product	APR	Term
ATV, Personal Watercraft, and Non-Titled Motorcycle Loan	9.19%	Up to 60 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Loans	15.07%	48 months
Details As Low As*; Best Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.07% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Loans	15.13%	36 months
Details As Low As*; Best Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.13% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Loans	15.49%	24 months
Details As Low As*; Best Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Envista Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans	7.50%	-	7.50%
Details Interest Only Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Sep 26, 20267.50%▲ from 7.25% Sep 21, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Unimproved Land Loan	6.25%	-	6.25%	5 years
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Unimproved Land Loan	7.25%	-	7.25%	10 years
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Free Kasasa Cash Checking	-	-	4.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required; 4.50% APY on balances up to $10,000.00; ATM fee reimbursements up to $25 monthly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Free Kasasa Cash Checking	-	-	1.00%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 1 direct deposit, ACH credit, or ACH payment transaction; 12 debit card purchases; enrolled in eStatements; enrolled in and log in to online banking at least once; 1.00% APY on balances over $10,000.00. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Free Kasasa Cash Checking	-	-	0.05%
Min Deposit $100 Min Balance $0 Details 0.05% APY if qualifications aren't met. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Kasasa Cash Checking	4.41%	-	4.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Kasasa Cash Checking	0.99%	-	1.00%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details Balance: All balances if qualifications not met Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 0.05% ▼ 4.45 pts · high 4.50% / low 0.05% Sep 21, 20260.05%▼ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Kasasa Saver Savings	0.99%	-	1.00%
Min Deposit $5 Min Balance $0 Details Balance: 0 to $50,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Kasasa Saver Savings	0.25%	-	0.25%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

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

Envista Federal Credit Union’s Texas Ratio fell from 2.81% in Q3 2023 to 2.13% 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	$693M	2.13%	5.0	A+
March 31, 2026	$686M	2.04%	5.0	A+
December 31, 2025	$655M	2.54%	5.0	A+
September 30, 2025	$656M	2.67%	5.0	A+
June 30, 2025	$647M	2.86%	5.0	A+
March 31, 2025	$648M	4.80%	5.0	A+
December 31, 2024	$617M	4.89%	5.0	A+
September 30, 2024	$606M	3.40%	5.0	A+
June 30, 2024	$595M	2.63%	5.0	A+
March 31, 2024	$573M	3.35%	5.0	A+
December 31, 2023	$547M	4.83%	5.0	A+
September 30, 2023	$540M	2.81%	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 Envista 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 Envista 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 Envista Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Envista Federal Credit Union

Website https://www.envistacu.com

Address 3626 SW Wanamaker Rd, Topeka, KS 66614-4528

Phone 785-228-0149

Fax 785-228-2884

President Stephen Lowry

CEO Ron Smeltzer

Full-Time Employees 160

Part-Time Employees 28

Branch Locations 10

ATM Locations 10

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.13%

Return on Assets (ROA)

0.5285%

Return on Equity (ROE)

4.9080%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

693,417,958

Total Amount of Shares and Deposits

591,421,903

Total Shares and Deposits < 1 Year

562,041,055

Total Shares and Deposits 1 3 Years

25,677,693

Total Shares and Deposits > 3 Years

3,703,155

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

33,802,647

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

33,802,647

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

557,619,256

Total Interest Expense (Sum of items 6 8)

5,091,391

Share Certificates

4,613

Number of Accounts for Share Drafts

30,647

IRA KEOGH Accounts

1,206

Number of Accounts for Regular Shares

57,713

All other shares

Non Member Deposits

Money Market Shares

1,557

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

3,664,985

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)

63,756,509

Total Liabilities

624,199,444

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Envista Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Envista Federal Credit Union

Frequently Asked Questions About Envista Federal Credit Union

How many branches does Envista Federal Credit Union operate?

Envista 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 Envista Federal Credit Union?

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

Does Envista Federal Credit Union offer online and mobile banking?

Most modern institutions like Envista 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.envistacu.com.

Current Envista Federal Credit Union Rates

12-Month CD4.01%
18-Month CD3.00%
24-Month CD4.00%
60-Month CD3.50%
Savings0.50%
MMA3.50%

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

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Envista Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Envista Federal Credit Union Texas Ratio

Envista Federal Credit Union Health Trend

Envista Federal Credit Union CD Rates

Envista Federal Credit Union Business CD Rates

Envista Federal Credit Union Savings Rates

Envista Federal Credit Union Business Savings Rates

Envista Federal Credit Union Money Market Rates

Envista Federal Credit Union Business Money Market Rates

Envista Federal Credit Union Checking Rates

Envista Federal Credit Union Business Checking Rates

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Envista Federal Credit Union Home Equity & HELOC

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Envista Federal Credit Union Personal Loan Rates

Envista Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Envista Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Envista Federal Credit Union

How many branches does Envista Federal Credit Union operate?

Is a member application needed to join Envista Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Envista Federal Credit Union offer online and mobile banking?

Current Envista Federal Credit Union Rates

Compare to Other Credit Unions