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

Current rates for Fairmont Federal Credit Union include: 12-Month CD: 0.75%, 24-Month CD: 4.15%, 60-Month CD: 3.00%, Savings: 5.00%

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Fairmont Federal Credit Union

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Fairmont Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fairmont 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 12, 2026

Fairmont Federal Credit Union's top rates as of October 12, 2026 are 4.55% APY on its 48 Month Jumbo CD, 5.00% APY on savings, 0.75% APY on checking, and personal loans from 14.37% APR, according to rates verified by MonitorBankRates. Other Fairmont Federal Credit Union CD rates include 35 Month Jumbo CD at 4.45%, 48 Month Jumbo CD at 4.45%, and 12 Month Jumbo CD at 4.35%. MonitorBankRates evaluates the financial stability of Fairmont Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.42%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

4.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fairmont Federal Credit Union
Gateway Connector Office

2 The Credit Union Way
Fairmont, WV 26554-1567

https://www.fairmontfcu.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.

Fairmont Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Jumbo Certificate	4.46%	4.55%	48 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
35 Month Jumbo Certificate	4.36%	4.45%	35 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
48 Month Jumbo Certificate	4.36%	4.45%	48 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Jumbo Certificate	4.27%	4.35%	12 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Jumbo Certificate	4.27%	4.35%	24 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
35 Month Jumbo Certificate	4.27%	4.35%	35 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
48 Month Share Certificate	4.27%	4.35%	48 month
Min Balance $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25% Oct 4, 20264.35%▲ from 4.25% Sep 25, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
48 Month Share Certificate	4.27%	4.35%	48 month
Min Deposit $1,500 Min Balance $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25% Oct 4, 20264.35%▲ from 4.25% Sep 25, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Jumbo Certificate	4.17%	4.25%	12 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Jumbo Certificate	4.17%	4.25%	24 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
35 Month Share Certificate	4.17%	4.25%	35 month
Min Balance $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 4, 20264.25%▲ from 4.00% Sep 25, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
35 Month Share Certificate	4.17%	4.25%	35 month
Min Deposit $1,500 Min Balance $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 4, 20264.25%▲ from 4.00% Sep 25, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Jumbo Certificate - 48 month	4.119%	4.20%	48 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Share Certificate	4.07%	4.15%	12 month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50% Oct 4, 20264.15%▲ from 3.50% Sep 25, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Share Certificate	4.07%	4.15%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85% Oct 8, 20264.15%▲ from 3.85% Sep 25, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Share Certificate	4.07%	4.15%	24 month
Min Balance $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 4, 20264.15%▲ from 3.75% Sep 25, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
24 Month Share Certificate	4.07%	4.15%	24 month
Min Deposit $1,500 Min Balance $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 4, 20264.15%▲ from 3.75% Sep 25, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Jumbo Certificate - 48 month	4.03%	4.10%	48 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 48 month	3.93%	4.00%	48 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
12 Month Youth Certificate Special	3.785%	3.85%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Jumbo Certificate - 36 month	3.64%	3.70%	36 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Jumbo Certificate - 36 month	3.545%	3.60%	36 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 36 month	3.45%	3.50%	36 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month Jumbo Certificate	3.155%	3.20%	60 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Jumbo Certificate - 12 month	3.155%	3.20%	12 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month Jumbo Certificate	3.06%	3.10%	60 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Jumbo Certificate - 12 month	3.06%	3.10%	12 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month Share Certificate	2.96%	3.00%	60 month
Min Balance $1,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
60 Month Share Certificate	2.96%	3.00%	60 month
Min Deposit $1,500 Min Balance $1,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Traditional & Roth IRA Certificate - 12 month	2.96%	3.00%	12 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 - 11 Month Jumbo Certificate	0.95%	0.95%	3-11 month
Min Balance $250,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 - 11 Month Jumbo Certificate	0.85%	0.85%	3-11 month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 - 11 Month Share Certificate	0.75%	0.75%	3-11 month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
3 - 11 Month Share Certificate	0.75%	0.75%	3-11 month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings Challenge Club	4.89%	5.00%
Min Balance $0 Details Balance: $0.00 - $500.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Debit Card Round Up Savings Club	-	2.50%
Min Balance $0 Details Balance: up to $500 receive APY of 2.50%; and balances over $500 earn APY of .10% on the portion of balance over $500, resulting in a range from 0.10% to 2.50% APY depending on the account's balance. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Round Up Savings Club	2.475%	2.50%
Min Balance $0 Details Cardholder tier: Debit Card; Balance: $0.00 - $500.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Education Club	0.75%	0.75%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Roth Club	0.75%	0.75%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
IRA Traditional Club	0.75%	0.75%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Holiday Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Other Clubs	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Round Up Savings Club	0.10%	0.10%
Min Balance $500 Details Cardholder tier: Debit Card; Balance: $500.01 and above Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Share Savings	0.10%	0.10%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Youth Savings Challenge Club	0.10%	0.10%
Min Balance $500 Details Published APY range: 0.10%-5.00%. Balance: $500.01 and above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings	0.10%	0.10%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Checking Rates

Product	Rate	APY
Money Manager Checking	0.75%	0.75%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.01 and above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Manager Checking	0.35%	0.35%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.01 - $100,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Manager Checking	0.30%	0.30%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Money Manager Checking	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Priority Choice Checking	0.25%	0.25%
Min Balance $2,000 Details Balance: $2,000.01 and above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Priority Choice Checking	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000.00 and under Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Business Checking Rates

Product	Rate	APY
Basic Business Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.01 and above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Checking Exempt	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.01 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Checking II	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.01 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Basic Business Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Checking Exempt	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Checking II	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Basic Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $50,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Checking Exempt	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $50,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Business Checking II	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $50,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Purchase and Refinance - 2026-2024 Loan	4.00%	-	4.23%	72 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2026-2024 Loan	4.50%	-	4.69%	84 months
Details As Low As; Model Year: 2026-2024 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2023-2022 Loan	5.50%	-	5.77%	60 months
Details As Low As; Model Year: 2023-2022 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2023-2022 Loan	6.00%	-	6.23%	72 months
Details As Low As; Model Year: 2023-2022 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2021-2020 Loan	7.50%	-	7.80%	66 months
Details As Low As; Model Year: 2021-2020 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2018-2016 Loan	8.00%	-	8.51%	48 months
Details As Low As; Model Year: 2018-2016 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.51% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Auto Loan Purchase and Refinance - 2019 Loan	8.25%	-	8.70%	54 months
Details As Low As; Model Year: 2019 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Classic Vehicle Loan	8.75%	-	9.18%	60 months
Details As Low As; Product Type: ^Classic Vehicle Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 9.18% → 9.18% ▲ 0.00 pts · high 9.18% / low 9.18% Oct 4, 20269.18%▲ from 9.18% Sep 28, 20269.18%▼ from 9.18% Sep 25, 20269.18%▼ from 9.18% Sep 16, 20269.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Used RV/Boat Loan	11.00%	11.22%	72 months
Details As Low As; 2023-2022 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 11.22% → 11.22% ▼ 0.00 pts · high 11.22% / low 11.22% Oct 8, 202611.22%▼ from 11.22% Sep 16, 202611.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
New RV/Boat Loan	12.00%	12.10%	120 months
Details As Low As; 2026-2024 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 12.10% → 12.10% ▲ 0.00 pts · high 12.10% / low 12.10% Oct 8, 202612.10%▲ from 12.10% Sep 16, 202612.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Used RV/Boat Loan	11.75%	12.20%	60 months
Details As Low As; 2021-2019 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 12.20% → 12.20% ▲ 0.00 pts · high 12.20% / low 12.20% Oct 8, 202612.20%▲ from 12.20% Sep 16, 202612.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	14.37%	48 months
Details As Low As Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 14.37% → 14.37% ▼ 0.00 pts · high 14.37% / low 14.37% Oct 4, 202614.37%▼ from 14.37% Sep 28, 202614.37%▼ from 14.37% Sep 25, 202614.37%▼ from 14.37% Sep 16, 202614.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

Fairmont Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kasasa Cash Checking	1.00%	-	1.00%
Min Balance $0 Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Kasasa Cash Checking	0.05%	-	0.05%
Min Balance $0 Details All balances if qualifications not met Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Kasasa Cash Checking	-	-	1.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Monthly enrollment/sign in online banking(primary member), receipt of electronic statements are conditions of this accounts. Enrollment in electronic services (e.g. online banking, electronic statements and log-ons may be required to meet some of the account's qualifications.; Balances up to $10,000 earn 1.00% APY; balances over $10,000 earn 0.10% interest rate on the portion of balance over $10,000, resulting in a range from 0.10% to 1.00% APY. ATM withdrawal fee reimbursements up to $20 monthly. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Limit 1 account per social security number. No recurring monthly service charges or fees to open or close this account. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Traditional & Roth IRA Certificates - 12 month	2.96%	-	3.00%	12 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Traditional & Roth IRA Certificates - 36 month	3.45%	-	3.50%	36 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Traditional & Roth IRA Certificates - 48 month	3.93%	-	4.00%	48 month
Min Balance $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%
Youth Savings Challenge Club	-	-	5.00%
Min Balance $0 Details Balance: up to $500 receive APY of 5.00%; and balances over $500 earn APY of .10% on the portion of balance over $500, resulting in a range from 0.10% to 5.00% APY depending on the account's balance. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.42%

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

Fairmont Federal Credit Union’s Texas Ratio stayed near 4.03% in Q3 2023 to 4.42% 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	$603M	4.42%	5.0	A+
March 31, 2026	$602M	1.95%	5.0	A+
December 31, 2025	$581M	3.62%	5.0	A+
September 30, 2025	$562M	2.70%	5.0	A+
June 30, 2025	$564M	3.05%	5.0	A+
March 31, 2025	$560M	2.07%	5.0	A+
December 31, 2024	$531M	2.93%	5.0	A+
September 30, 2024	$514M	2.18%	5.0	A+
June 30, 2024	$511M	3.62%	5.0	A+
March 31, 2024	$504M	0.90%	5.0	A+
December 31, 2023	$487M	4.03%	5.0	A+
September 30, 2023	$483M	4.03%	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 Fairmont 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 Fairmont 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 Fairmont Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fairmont Federal Credit Union

Website https://www.fairmontfcu.com

Address 2 The Credit Union Way, Fairmont, WV 26554-1567

Phone 304-363-5320

Fax 304-363-5470

President Joyce Keefover

CEO Cindy Dickey

Full-Time Employees 111

Part-Time Employees 0

Branch Locations 9

ATM Locations 9

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

4.42%

Return on Assets (ROA)

0.4300%

Return on Equity (ROE)

4.4307%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

603,062,214

Total Amount of Shares and Deposits

542,378,895

Total Shares and Deposits < 1 Year

504,495,875

Total Shares and Deposits 1 3 Years

35,501,967

Total Shares and Deposits > 3 Years

2,381,053

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

32,936,387

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

32,936,387

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

509,442,508

Total Interest Expense (Sum of items 6 8)

2,966,123

Share Certificates

4,173

Number of Accounts for Share Drafts

37,179

IRA KEOGH Accounts

584

Number of Accounts for Regular Shares

58,113

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)

80,971,510

Total Liabilities

548,796,779

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Fairmont 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.

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Frequently Asked Questions About Fairmont Federal Credit Union

How many branches does Fairmont Federal Credit Union operate?

Fairmont 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 Fairmont Federal Credit Union?

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

Does Fairmont Federal Credit Union offer online and mobile banking?

Most modern institutions like Fairmont 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.fairmontfcu.com.