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Frontier Credit Union

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Frontier Credit Union Rates & Review October 2026

Q: How many branches does Frontier Credit Union operate?

Frontier 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.

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

Yes, to access services at Frontier 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: Is there a first-time homebuyer program?

Currently, Frontier 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Frontier 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 13, 2026

Frontier Credit Union's top rate as of October 13, 2026 is personal loans from 12.29% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Frontier Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.41%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.41%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Frontier Credit Union
Idaho Falls Main

865 S Woodruff Ave
Idaho Falls, ID 83401-5296

https://frontiercreditunion.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.

Frontier Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.74%	Up to 84 months
Details Published APR range: 5.74% - 12.19%. 2022 & Newer Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Auto Loans	-	-	7.05%	Up to 84 months
Details Published APR range: 7.05% - 14.61%. 2017 - 2021 Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Auto Loans	-	-	8.59%	Up to 66 months
Details Published APR range: 8.59% - 11.51%. 2009 - 2016 Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Frontier Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Powersports and Street Motorcycles Loan	-	6.99%	Up to 84 months
Details Published APR range: 6.99% - 15.29%. 2025 & Newer Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Powersports and Street Motorcycles Loan	-	7.69%	Up to 84 months
Details Published APR range: 7.69% - 16.29%. 2021 - 2024 Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
RV and Marine Loans	-	8.44%	Up to 180 months
Details Published APR range: 8.44% - 11.64%. 2025 & Newer Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 8.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
Powersports and Street Motorcycles Loan	-	9.89%	Up to 60 months
Details Published APR range: 9.89% - 16.65%. 2016 - 2020 Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 9.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
RV and Marine Loans	-	11.24%	Up to 144 months
Details Published APR range: 11.24%- 12.74%. 2021 - 2024 Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 11.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%
RV and Marine Loans	-	11.94%	Up to 84 months
Details Published APR range: 11.94% - 14.34%. 2016 - 2020 Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 11.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

Frontier Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	12.29%	Up to 60 months
Details Published APR range: 12.29% - 17.99%. Last Updated 09/30/2026 Rate History No change since Sep 30, 2026 · 12.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.41%

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

Frontier Credit Union’s Texas Ratio fell from 8.14% in Q3 2023 to 5.41% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$822M	5.41%	5.0	A+
March 31, 2026	$810M	4.58%	5.0	A+
December 31, 2025	$711M	5.32%	5.0	A+
September 30, 2025	$736M	6.01%	5.0	A
June 30, 2025	$728M	6.06%	5.0	A
March 31, 2025	$698M	7.67%	5.0	A
December 31, 2024	$687M	10.22%	5.0	A
September 30, 2024	$676M	10.26%	5.0	A
June 30, 2024	$662M	9.18%	5.0	A
March 31, 2024	$686M	8.18%	5.0	A
December 31, 2023	$670M	10.72%	5.0	A
September 30, 2023	$669M	8.14%	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 Frontier 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 Frontier 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 Frontier Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Frontier Credit Union

Website https://frontiercreditunion.com

Address 865 S Woodruff Ave, Idaho Falls, ID 83401-5296

Phone 208-523-9068

Fax 208-523-4755

President Nicole Mattos

CEO Daniel Thurman

Full-Time Employees 209

Part-Time Employees 4

Branch Locations 16

ATM Locations 15

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.41%

Return on Assets (ROA)

0.2578%

Return on Equity (ROE)

3.1971%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

821,620,488

Total Amount of Shares and Deposits

694,185,072

Total Shares and Deposits < 1 Year

691,367,959

Total Shares and Deposits 1 3 Years

2,452,118

Total Shares and Deposits > 3 Years

364,995

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

92,827,571

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

92,827,571

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

601,357,501

Total Interest Expense (Sum of items 6 8)

5,357,189

Share Certificates

3,482

Number of Accounts for Share Drafts

22,456

IRA KEOGH Accounts

598

Number of Accounts for Regular Shares

57,635

All other shares

6,460

Non Member Deposits

124

Money Market Shares

18,189

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,669,123

Total Liabilities

766,091,516

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Frontier 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/frontier-credit-union-rates-review-68376">
  <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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Total Reviews

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Frequently Asked Questions About Frontier Credit Union

How many branches does Frontier Credit Union operate?

Frontier 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 Frontier Credit Union?

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

Does Frontier Credit Union offer online and mobile banking?

Most modern institutions like Frontier 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://frontiercreditunion.com.