What are the current interest rates at Launch Credit Union?

Current rates for Launch Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 4.50%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 0.30%, MMA: 3.49%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Launch Credit Union

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Launch Credit Union Rates & Review October 2026

Q: How many branches does Launch Credit Union operate?

Launch 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 Launch Credit Union?

Yes, to access services at Launch 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, Launch 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, Launch 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 10, 2026

Launch Credit Union's top rates as of October 10, 2026 are 4.50% APY on its 18 Month Business CD, 0.30% APY on savings, 3.49% APY on money market accounts, 1.41% APY on checking, personal loans from 11.00% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Launch Credit Union CD rates include 18 Month CD at 4.50%, 24 Month Business CD at 3.75%, and 24 Month CD at 3.75%. MonitorBankRates evaluates the financial stability of Launch Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.61%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.61%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Launch Credit Union
Administration Building

300 S Plumosa St
Merritt Island, FL 32952

https://launchcu.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.

Launch Credit Union CD Rates

Product	Rate	APY	Term
18 Month Share Certificate	4.41%	4.50%	18 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
24 Month Share Certificate	3.69%	3.75%	24 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
60 Month Share Certificate	3.69%	3.75%	60 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
12 Month Share Certificate	3.64%	3.70%	12 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
6 Month Share Certificate	3.64%	3.70%	6 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
3 Month Share Certificate	3.40%	3.45%	3 Month
Min Balance $1,000 Details Existing certificates only - no new accounts offered Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
36 Month BUMP Share Certificate	3.11%	3.15%	36 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
30 Month Share Certificate	3.01%	3.05%	30 Month
Min Balance $1,000 Details Existing certificates only - no new accounts offered Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
26 Month BUMP Share Certificate	2.96%	3.00%	26 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Business CD Rates

Product	Rate	APY	Term
18 Month Business Share Certificate	4.41%	4.50%	18 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
24 Month Business Share Certificate	3.69%	3.75%	24 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
60 Month Business Share Certificate	3.69%	3.75%	60 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
12 Month Business Share Certificate	3.64%	3.70%	12 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
6 Month Business Share Certificate	3.64%	3.70%	6 Month
Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
7 Month Business Titanium Certificate Special	3.45%	3.51%	7 Month
Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
3 Month Business Share Certificate	3.40%	3.45%	3 Month
Min Balance $1,000 Details Existing certificates only - no new accounts offered Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
30 Month Business Share Certificate	3.01%	3.05%	30 Month
Min Balance $1,000 Details Existing certificates only - no new accounts offered Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Savings Rates

Product	Rate	APY
First Time Homebuyers Savings	0.30%	0.30%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 & Up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.05%	0.05%
Min Balance $5 Details Balance: $5-$199.99*** Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Savings	0.05%	0.05%
Min Balance $200 Details Balance: $200-$2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 & Up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Savings	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Savings	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Savings	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Savings	0.05%	0.05%
Min Balance $200 Details Balance: $200-$2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.44%	3.49%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.49% ▼ 0.07 pts · high 3.56% / low 3.49% Sep 18, 20263.49%▼ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	3.44%	3.49%
Min Balance $1,000,000 Details Balance: $1,000,000.00 + Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.49% ▼ 0.07 pts · high 3.56% / low 3.49% Sep 18, 20263.49%▼ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.00% ▼ 0.04 pts · high 3.04% / low 3.00% Sep 18, 20263.00%▼ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.50% ▼ 0.03 pts · high 2.53% / low 2.50% Sep 18, 20262.50%▼ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.61% → 1.60% ▼ 0.01 pts · high 1.61% / low 1.60% Sep 18, 20261.60%▼ from 1.61% Sep 14, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.50% ▼ 0.01 pts · high 1.51% / low 1.50% Sep 18, 20261.50%▼ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	1.39%	1.40%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.41% → 1.40% ▼ 0.01 pts · high 1.41% / low 1.40% Sep 18, 20261.40%▼ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Money Market	1.39%	1.40%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.41% → 1.40% ▼ 0.01 pts · high 1.41% / low 1.40% Sep 18, 20261.40%▼ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.44%	3.49%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.49% ▼ 0.07 pts · high 3.56% / low 3.49% Sep 18, 20263.49%▼ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	3.44%	3.49%
Min Balance $1,000,000 Details Balance: $1,000,000.00 + Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.49% ▼ 0.07 pts · high 3.56% / low 3.49% Sep 18, 20263.49%▼ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.00% ▼ 0.04 pts · high 3.04% / low 3.00% Sep 18, 20263.00%▼ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.50% ▼ 0.03 pts · high 2.53% / low 2.50% Sep 18, 20262.50%▼ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	1.59%	1.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.61% → 1.60% ▼ 0.01 pts · high 1.61% / low 1.60% Sep 18, 20261.60%▼ from 1.61% Sep 14, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 1.50% ▼ 0.01 pts · high 1.51% / low 1.50% Sep 18, 20261.50%▼ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	1.39%	1.40%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.41% → 1.40% ▼ 0.01 pts · high 1.41% / low 1.40% Sep 18, 20261.40%▼ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Money Market	1.39%	1.40%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.41% → 1.40% ▼ 0.01 pts · high 1.41% / low 1.40% Sep 18, 20261.40%▼ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Checking Rates

Product	Rate	APY	View More
Elite Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 & Up Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Business Checking Rates

Product	Rate	APY
Business Titanium Checking	1.40%	1.41%
Min Balance $1,000,000 Details Balance: $1,000,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	1.15%	1.16%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	0.95%	0.95%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	0.70%	0.70%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Premier Checking	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Elite Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 & Up Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Non-Profit Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 & Up Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Premier Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Business Titanium Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Extended	7.125%	-	7.125%	Up to 15 Years
Details Launch will pay up to $1,000.00 in fees to originate your loan. Fees including an appraisal if one is required that exceed $1,000, the borrower(s) are responsible for. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Home Equity Extended+	7.625%	-	7.625%	20 Years
Details Launch will pay up to $1,000.00 in fees to originate your loan. Fees including an appraisal if one is required that exceed $1,000, the borrower(s) are responsible for. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loan	-	7.25%	Up to 180 months
Details New; 2025-Present Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Motorcycle Loan	-	7.25%	Up to 72 months
Details New; 2025-present Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Boat & RV Loan	-	7.75%	Up to 180 months
Details Used; 2018-2024 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Motorcycle Loan	-	7.75%	Up to 72 months
Details Used; 2018-2024 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Credit Card Rates

Product	Rate	APR
Platinum VISA	-	12.90%
Details Intro rate expires: 6 billing cycles; Regular APR: 12.90% APR* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
REWARDS Platinum VISA	-	14.90%
Details Intro rate expires: 6 billing cycles; Regular APR: 14.90% APR* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.00%	up to 60 months
Details Borrowing Limits: $20,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

Launch Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	9.99%
Details Rate as low as 9.99% APR. Loans subject to credit approval. The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. Payment and term affected by amount financed. Certain terms may not be available for all risk categories. Savings account required for a loan. You can open an account if you live, work, worship, or attend school in one of the counties we serve. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Line Of Credit	-	-	11.50%
Details As Low As* Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 11.50% ▲ 1.51 pts · high 11.50% / low 9.99% Oct 1, 202611.50%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Second Mortgage	6.00%	-	6.25%	120 Months
Details As Low As; Closing Fees: $1,164.72 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Second Mortgage	6.375%	-	6.625%	180 Months
Details As Low As; Closing Fees: $1,164.72 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.63% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Second Mortgage	6.875%	-	7.125%	240 Months
Details As Low As; Closing Fees: $1,164.72 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.13% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
Holiday Account	0.30%	-	0.30%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%
IRA Accounts	0.75%	-	0.75%
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.61%

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

Launch Credit Union’s Texas Ratio rose from 2.65% in Q3 2023 to 7.61% in Q2 2026, so its financial health has held steady at a healthy level 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	$1.4B	7.61%	5.0	A
March 31, 2026	$1.5B	1.92%	5.0	A+
December 31, 2025	$1.4B	2.48%	5.0	A+
September 30, 2025	$1.4B	2.62%	5.0	A+
June 30, 2025	$1.4B	2.28%	5.0	A+
March 31, 2025	$1.4B	1.98%	5.0	A+
December 31, 2024	$1.4B	3.13%	5.0	A+
September 30, 2024	$1.4B	3.11%	5.0	A+
June 30, 2024	$1.4B	3.23%	5.0	A+
March 31, 2024	$1.4B	1.97%	5.0	A+
December 31, 2023	$1.4B	3.62%	5.0	A+
September 30, 2023	$1.4B	2.65%	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 Launch 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 Launch 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 Launch Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Launch Credit Union

Website https://launchcu.com

Address 300 S Plumosa St, Merritt Island, FL 32952

Phone 321-455-9400

Fax 321-452-7007

President Hollimarie Montijo

CEO Joseph Mirachi

Full-Time Employees 301

Part-Time Employees 0

Branch Locations 19

ATM Locations 19

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.61%

Return on Assets (ROA)

0.1443%

Return on Equity (ROE)

1.5479%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

1,440,630,816

Total Amount of Shares and Deposits

1,189,020,956

Total Shares and Deposits < 1 Year

1,175,671,830

Total Shares and Deposits 1 3 Years

11,943,850

Total Shares and Deposits > 3 Years

1,405,276

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

77,909,109

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

77,909,109

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

1,111,111,847

Total Interest Expense (Sum of items 6 8)

8,749,671

Share Certificates

8,298

Number of Accounts for Share Drafts

59,217

IRA KEOGH Accounts

1,904

Number of Accounts for Regular Shares

92,631

All other shares

2,479

Non Member Deposits

Money Market Shares

3,140

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

2,078,594

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)

151,972,969

Total Liabilities

1,306,365,406

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Launch 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

There are no reviews for Launch Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Launch Credit Union

Frequently Asked Questions About Launch Credit Union

How many branches does Launch Credit Union operate?

Launch 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 Launch Credit Union?

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

Does Launch Credit Union offer online and mobile banking?

Most modern institutions like Launch 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://launchcu.com.

Current Launch Credit Union Rates

12-Month CD3.70%
18-Month CD4.50%
24-Month CD3.75%
60-Month CD3.75%
Savings0.30%
MMA3.49%

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

Compare to Other Credit Unions

Launch Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Launch Credit Union Texas Ratio

Launch Credit Union Health Trend

Launch Credit Union CD Rates

Launch Credit Union Business CD Rates

Launch Credit Union Savings Rates

Launch Credit Union Business Savings Rates

Launch Credit Union Money Market Rates

Launch Credit Union Business Money Market Rates

Launch Credit Union Checking Rates

Launch Credit Union Business Checking Rates

Launch Credit Union Home Equity & HELOC

Launch Credit Union RV, Boat and Powersport Loan Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Launch Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Launch Credit Union

How many branches does Launch Credit Union operate?

Is a member application needed to join Launch Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Launch Credit Union offer online and mobile banking?

Current Launch Credit Union Rates

Compare to Other Credit Unions