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Farm Bureau Family Credit Union Rates & Review October 2026

Farm Bureau Family Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 9-Month Youth CD, 0.15% APY on savings, 0.85% APY on money market accounts, rv, boat and powersport loans from 5.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Farm Bureau Family Credit Union CD rates include 60-Month CD at 3.60%, 48-Month CD at 3.55%, and 36-Month CD at 3.50%. MonitorBankRates evaluates the financial stability of Farm Bureau Family Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
2.74%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Farm Bureau Family Credit Union
Main Office
7373 W Saginaw Hwy
Lansing, MI 48917-1124
https://www.farmbureaufamilycu.org
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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.

Farm Bureau Family Credit Union CD Rates

Product Rate APY Term View More
9-Month Youth Certificate - 4.00% 9-Month
Min Deposit $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
60-Month Certificate - 3.60% 60-Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
48-Month Certificate - 3.55% 48-Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
36-Month Certificate - 3.50% 36-Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
24-Month Certificate - 3.45% 24-Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
12-Month Certificate - 3.30% 12-Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
6-Month Certificate - 3.25% 6-Month
Min Deposit $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union Savings Rates

Product Rate APY View More
Health Savings Account - 0.15%
Min Deposit $0
Min Balance $0
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Christmas Club - 0.05%
Min Deposit $0
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union Money Market Rates

Product Rate APY View More
Money Market - 0.85%
Min Deposit $2,000
Min Balance $25,000
Last Updated 10/09/2026
Rate History
No change since Sep 29, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Sep 29, 2026: 0.85% APYSep 29, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Money Market - 0.75%
Min Deposit $2,000
Min Balance $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 29, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 29, 2026: 0.75% APYSep 29, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New, Used, and Refinance Auto Loan & Motorcycles over 900cc - - 4.49%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Auto Loan - - 5.99% 60 months
Details As Low As
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.24% → 5.99% ▲ 0.75 pts · high 5.99% / low 5.24%
4.49%5.62%6.74%Sep 14, 2026: 5.24% APROct 9, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.99%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Auto Loan - - 6.49% 72 months
Details As Low As
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 6.49% ▲ 1.00 pts · high 6.49% / low 5.49%
4.49%5.99%7.49%Sep 14, 2026: 5.49% APROct 9, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.49%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Auto Loan - - 6.99% 84 months
Details As Low As
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 5.74% → 6.99% ▲ 1.25 pts · high 6.99% / low 5.74%
4.49%6.37%8.24%Sep 14, 2026: 5.74% APROct 9, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.99%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Auto Loan - - 7.49% 120 months
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 9, 2026: 7.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
ATV/UTV, Snowmobile, Personal Watercraft, Tractor, & Motorcycles under 900cc Loan - 5.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
RV's, Travel Trailers, 5th Wheels, Motorhomes, Boats, and Livestock & Horse Trailers Loan - 5.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union Credit Card Rates

Product Rate APR View More
Mastercard Credit Card - 9.99%
Details Earn 1% cash back monthly on all purchases with a fixed rate and no annual fee; As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union Personal Loan Rates

Product APR Term View More
ATV/UTV, Snowmobile, Personal Watercraft, Tractor, & Motorcycles under 900cc Loan 5.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Signature Loan 36 months 9.49% 36 months
Details Personal loan and debt consolidation
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 6 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Signature Loan 60 months 9.99% 60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Signature Loan 84 months 10.49% 84 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Farm Bureau Family Credit Union Other Rates

Product Rate Points APY/APR Term View More
Early Pay Loan - - 25.00%
Details Alternative to payday lenders, contact the CU to apply
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 25.00% APR · checked 6 times
24.50%25.00%25.50%Sep 14, 2026: 25.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Flexible loans for every financial milestone - - 7.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Holiday/Vacation Loan - - 7.99% 12 months
Details Borrow up to $1,000 for 12 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Home Improvement 36 months Loan - - 8.49% 36 months
Details Finance your home improvement projects
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 6 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Home Improvement 60 months Loan - - 8.99% 60 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Home Improvement 84 months Loan - - 9.49% 84 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 6 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Line of Credit - - 16.00%
Details Establish a Line of Credit up to $5,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 6 times
15.50%16.00%16.50%Sep 14, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Regular Shares - - 0.05%
Min Deposit $5
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%
Special Shares - - 0.05%
Min Deposit $0
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.74%

Financial Health History

Farm Bureau Family Credit Union’s Texas Ratio rose from 1.43% in Q3 2023 to 2.74% 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; 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.43% A+ Q3 2023 A Q4 2023 A Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A Q4 2025 A+ Q1 2026 2.74% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$27M2.74%5.0A+
March 31, 2026$27M3.72%5.0A+
December 31, 2025$25M6.08%5.0A
September 30, 2025$25M5.93%5.0A+
June 30, 2025$25M2.29%5.0A+
March 31, 2025$25M1.37%5.0A+
December 31, 2024$23M2.96%5.0A+
September 30, 2024$24M5.66%5.0A+
June 30, 2024$24M3.51%5.0A+
March 31, 2024$23M6.59%5.0A
December 31, 2023$23M7.27%5.0A
September 30, 2023$23M1.43%5.0A+
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 Farm Bureau 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 Farm Bureau 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 Farm Bureau Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Farm Bureau Family Credit Union
Address 7373 W Saginaw Hwy, Lansing, MI 48917-1124
Phone 517-679-5274
Fax
President Nicholas Holmberg
CEO Brandon Bussa
Full-Time Employees 5
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.74%
Return on Assets (ROA)
0.6785%
Return on Equity (ROE)
5.4462%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
26,553,605
Total Amount of Shares and Deposits
23,456,505
Total Shares and Deposits < 1 Year
23,048,632
Total Shares and Deposits 1 3 Years
263,935
Total Shares and Deposits > 3 Years
143,938
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
874,377
Total Uninsured Shares and Deposits > $250K (F+J)
874,377
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,582,128
Total Interest Expense (Sum of items 6 8)
104,537
Share Certificates
196
Number of Accounts for Share Drafts
1,099
IRA KEOGH Accounts
5
Number of Accounts for Regular Shares
2,671
All other shares
393
Money Market Shares
255
Net Income (unless the amount is already included in Undivided Earnings)
180,159
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)
2,986,157
Total Liabilities
23,245,640
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Farm Bureau Family 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.

<a href="https://monitorbankrates.com/credit-unions/farm-bureau-family-credit-union-rates-review-62330">
  <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

There are no reviews for Farm Bureau Family Credit Union yet. Feel free to create one below.
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Total Reviews
0
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Frequently Asked Questions About Farm Bureau Family Credit Union

How many branches does Farm Bureau Family Credit Union operate?

Farm Bureau 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 Farm Bureau Family Credit Union?

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

Does Farm Bureau Family Credit Union offer online and mobile banking?

Most modern institutions like Farm Bureau 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.farmbureaufamilycu.org.

Current Farm Bureau Family Credit Union Rates

  • 12-Month CD3.30%
  • 24-Month CD3.45%
  • 60-Month CD3.60%
  • Savings0.15%
  • MMA0.85%
Retrieved from our database of financial products. Rates subject to change.