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Fibre Federal Credit Union

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Fibre Federal Credit Union Rates & Review September 2026

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

Yes, to access services at Fibre 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, Fibre 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: September 23, 2026

Fibre Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.24%. Fibre Federal Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Fibre Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.96%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.96%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fibre Federal Credit Union
Operations Center

796 Commerce Ave
Longview, WA 98632-2459

https://www.fibrecu.com

Fibre Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Limited Draw Line of Credit	-	-	6.50%	Depending on the ter
Details Term: Depending on the term; Up to 100%* of purchase price or appraised value; APR range: 6.500% - 8.500%* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Lines of Credit	-	-	6.75%	20 Years
Details Maximum Financed: 100%** of purchase price or appraised value Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Fibre Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos (2021-2026)	-	-	5.24%	48 Months
Details Financing: 100% MSRP or High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2016-2020) Loan	-	-	5.49%	48 Months
Details Financing: 100% High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2021-2026)	-	-	5.49%	60 Months
Details Financing: 100% MSRP or High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2016-2020) Loan	-	-	5.74%	60 Months
Details Financing: 100% High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2021-2026)	-	-	5.74%	72 Months
Details Financing: 100% MSRP or High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2016-2020) Loan	-	-	5.99%	72 Months
Details Financing: 100% High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2021-2026)	-	-	5.99%	84 Months
Details Financing: 100% MSRP or High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2016-2020) Loan	-	-	6.24%	84 Months
Details Financing: 100% High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2015 or older)	-	-	7.49%	48 Months
Details Financing: 100% High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Autos (2015 or older)	-	-	7.74%	60 Months
Details Financing: 100% High KBB Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Fibre Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RVs (2025-2026) Loan	-	7.99%	84 Months
Details Maximum Financed: 100% MSRP Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (10 years old or newer) Loan	-	7.99%	84 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New & Used Boats (10 years old or newer) Loan	-	8.24%	84 Months
Details Maximum Financed: 100% High NADA; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New Adventure: Motorcycles, Personal Watercraft (2025-2026) Loan	-	8.24%	48-84 Months**
Details Maximum Financed: 100% MSRP Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	-	8.24%	10 Years
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New RVs (2025-2026) Loan	-	8.74%	120 Months
Details Maximum Financed: 100% MSRP Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	-	8.74%	84 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (10 years old or newer) Loan	-	8.74%	120 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New & Used Boats (10 years old or newer) Loan	-	8.99%	120 Months
Details Maximum Financed: 100% High NADA; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New RVs (2025-2026) Loan	-	8.99%	144 Months
Details Maximum Financed: 100% MSRP Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (10 years old or newer) Loan	-	8.99%	144 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New & Used Boats (10 years old or newer) Loan	-	9.24%	144 Months
Details Maximum Financed: 100% High NADA; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New RVs (2025-2026) Loan	-	9.24%	180 Months
Details Maximum Financed: 100% MSRP Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (10 years old or newer) Loan	-	9.24%	180 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
New & Used Boats (10 years old or newer) Loan	-	9.49%	180 Months
Details Maximum Financed: 100% High NADA; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Adventure: Motorcycles, Personal Watercraft (Over 10 years old) Loan	-	9.74%	48 Months
Details Maximum Financed: 100% High NADA; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Boats (Over 10 years old) Loan	-	9.99%	60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (Over 10 years old) Loan	-	9.99%	60 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Boats (Over 10 years old) Loan	-	10.49%	84 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (Over 10 years old) Loan	-	10.49%	84 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Boats (Over 10 years old) Loan	-	10.99%	144 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used RVs (Over 10 years old) Loan	-	10.99%	144 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Fibre Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.90%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Visa Classic	-	10.50%
Details Maximum Financed: $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Fibre Federal Credit Union Personal Loan Rates

Product	APR	Term
New Adventure: Motorcycles, Personal Watercraft (2025-2026) Loan	8.24%	48-84 Months**
Details Maximum Financed: 100% MSRP Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	8.24%	10 Years
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Adventure: Motorcycles, Personal Watercraft (10 years old or newer) Loan	8.74%	84 Months
Details Maximum Financed: 100% High NADA Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Used Adventure: Motorcycles, Personal Watercraft (Over 10 years old) Loan	9.74%	48 Months
Details Maximum Financed: 100% High NADA; ** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Personal Loan	10.99%	1 to 12 Months
Details Maximum Financed: $100,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Personal Loan	11.49%	13 to 24 Months
Details Maximum Financed: $100,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Personal Loan	11.99%	25 to 48 Months
Details Maximum Financed: $100,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Personal Loan	12.49%	49 to 60 Months
Details Maximum Financed: $100,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Personal Loan	13.99%	1-Payment Note
Details Maximum Financed: $100,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

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

Fibre Federal Credit Union’s Texas Ratio rose from 2.38% in Q2 2023 to 3.96% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.8B	3.96%	5.0	A+
December 31, 2025	$1.8B	4.08%	5.0	A+
September 30, 2025	$1.8B	4.20%	5.0	A+
June 30, 2025	$1.7B	3.43%	5.0	A+
March 31, 2025	$1.7B	3.24%	5.0	A+
December 31, 2024	$1.7B	4.03%	5.0	A+
September 30, 2024	$1.7B	3.63%	5.0	A+
June 30, 2024	$1.7B	3.73%	5.0	A+
March 31, 2024	$1.7B	3.44%	5.0	A+
December 31, 2023	$1.6B	2.41%	5.0	A+
September 30, 2023	$1.7B	2.40%	5.0	A+
June 30, 2023	$1.6B	2.38%	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 Fibre 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 Fibre 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 Fibre Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Fibre Federal Credit Union

Website https://www.fibrecu.com

Address 796 Commerce Ave, Longview, WA 98632-2459

Phone 360-423-8750

Fax 360-414-4202

President James Duscha

CEO Christopher Bradberry

Full-Time Employees 334

Part-Time Employees 6

Branch Locations 16

ATM Locations 16

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.96%

Return on Assets (ROA)

0.2222%

Return on Equity (ROE)

1.6562%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

1,824,448,695

Total Amount of Shares and Deposits

1,558,046,935

Total Shares and Deposits < 1 Year

1,528,969,134

Total Shares and Deposits 1 3 Years

22,143,092

Total Shares and Deposits > 3 Years

6,934,710

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

95,555,315

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

95,555,315

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

1,462,491,620

Total Interest Expense (Sum of items 6 8)

4,962,000

Share Certificates

10,346

Number of Accounts for Share Drafts

73,412

IRA KEOGH Accounts

2,422

Number of Accounts for Regular Shares

127,125

Money Market Shares

3,579

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)

297,569,013

Total Liabilities

1,583,236,505

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Fibre Federal Credit Union earned the Verified Healthy badge

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

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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 Fibre Federal Credit Union

Frequently Asked Questions About Fibre Federal Credit Union

How many branches does Fibre Federal Credit Union operate?

Fibre 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 Fibre Federal Credit Union?

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

Does Fibre Federal Credit Union offer online and mobile banking?

Most modern institutions like Fibre 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.fibrecu.com.