What are the current interest rates at Mobility Credit Union?

Current rates for Mobility Credit Union include: 12-Month CD: 3.87%, 18-Month CD: 3.66%, 24-Month CD: 3.61%, Savings: 4.00%

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Mobility Credit Union

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Mobility Credit Union Rates & Review October 2026

Q: How many branches does Mobility Credit Union operate?

Mobility 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 Mobility Credit Union?

Yes, to access services at Mobility 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, Mobility 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, Mobility 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

Mobility Credit Union's top rates as of October 10, 2026 are 4.30% APY on its Limited Time 15-Month CD Special, 4.00% APY on savings, 5.12% APY on checking, personal loans from 11.49% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other Mobility Credit Union CD rates include Limited Time New Money 6-Month CD Special at 4.10%, 12-Month CD at 4.03%, and 9-Month CD at 3.93%. MonitorBankRates evaluates the financial stability of Mobility Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.96%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.96%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mobility Credit Union
Main Office

8384 N Belt Line Rd
Irving, TX 75063-6006

https://www.mobilitycu.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.

Mobility Credit Union CD Rates

Product	Rate	APY	Term
Limited Time 15-Month Certificate Special	4.23%	4.30%	15 Month
Min Deposit $5,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Limited Time New Money 6-Month Certificate Special	4.02%	4.10%	6 Month
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Sep 27, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
12-Month Certificate	3.95%	4.03%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.03% ▲ 0.21 pts · high 4.03% / low 3.82% Sep 22, 20264.03%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
9-Month Certificate	3.85%	3.93%	9 months
Min Deposit $500 Min Balance $500 Details Balance: $500+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.93% ▲ 0.17 pts · high 3.93% / low 3.76% Sep 22, 20263.93%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
12-Month Rate Climber Certificate	3.80%	3.87%	12 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
6-Month Certificate	3.80%	3.87%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66% Sep 22, 20263.87%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
18-Month Certificate	3.75%	3.82%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.82% ▲ 0.21 pts · high 3.82% / low 3.61% Sep 22, 20263.82%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
24-Month Certificate	3.70%	3.77%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.77% ▲ 0.21 pts · high 3.77% / low 3.56% Sep 22, 20263.77%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
3-Month Certificate	3.65%	3.71%	3 months
Min Deposit $500 Min Balance $500 Details Balance: $500+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51% Sep 22, 20263.71%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
18-Month Rate Climber Certificate	3.60%	3.66%	18 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
24-Month Rate Climber Certificate	3.55%	3.61%	24 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000+; Effective: 9/17/26 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	3.93%	4.00%
Min Balance $2,000,000 Details Balance: $2,000,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	3.50%	3.56%
Min Balance $1,000,000 Details Balance: $1,000,000.00 - $1,999,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	3.00%	3.05%
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 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	2.90%	2.94%
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 · 2.94% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	2.80%	2.84%
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 · 2.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	2.70%	2.74%
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 · 2.74% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	2.60%	2.63%
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 · 2.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	2.55%	2.58%
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 · 2.58% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
High Yield Savings	2.50%	2.53%
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 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Youth Savings	1.00%	1.00%
Min Balance $100 Details Balance: $100.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
HIGH YIELD SAVINGS	-	0.50%
Min Balance $3,000,000 Details Dividends earned are higher than most investment accounts. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 0.50% ▼ 2.03 pts · high 2.53% / low 0.50% Oct 10, 20260.50%▼ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Tiered Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.00+ 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: 9.96%
Tiered Savings	0.07%	0.07%
Min Balance $100 Details Balance: $100.00 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	5.00%	5.12%
Min Balance $0 Details Balance: $.01 - $20,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Youth Checking	3.00%	3.04%
Min Balance $25 Details Balance: $25+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Premium Checking	2.60%	2.63%
Min Balance $500,000 Details Balance: $500,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Premium Checking	2.50%	2.53%
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 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Premium Checking	2.40%	2.43%
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 · 2.43% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Premium Checking	2.25%	2.27%
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 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Premium Checking	2.00%	2.02%
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 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Premium Checking	1.50%	1.51%
Min Balance $1,500 Details Balance: $1,500.01 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Rewards Checking	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000.01+ 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: 9.96%

Mobility Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
1st Lien Home Equity Loan	-	-	6.49%	0 - 60 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 1, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
PRESTAMO SOBRE EL VALOR NETO DE LA VIVIENDA (HOME EQUITY)	-	-	6.49%	0 - 60 Meses
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 1, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
1st Lien Home Equity Loan	-	-	6.75%	61 - 120 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 1, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
PRESTAMO SOBRE EL VALOR NETO DE LA VIVIENDA (HOME EQUITY)	-	-	6.75%	61 - 120 Meses
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 1, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
1st Lien Home Equity Loan	-	-	7.25%	121 - 180 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
PRESTAMO SOBRE EL VALOR NETO DE LA VIVIENDA (HOME EQUITY)	-	-	7.25%	121 - 180 Meses
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
2nd Lien Home Equity Loan	-	-	7.49%	0 - 60 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 1, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
2nd Lien Home Equity Loan	-	-	7.75%	61 - 120 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 1, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
HOME EQUITY LINE OF CREDIT	-	-	7.75%	5 years
Details Term: 5-Year Draw/5-Year Repayment; Index: WSJ Prime; Margin: 0.75% Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.25% → 7.75% ▼ 0.50 pts · high 8.25% / low 7.50% Oct 1, 20267.75%▲ from 7.50% Sep 18, 20267.50%▼ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
HOME EQUITY LINE OF CREDIT	-	-	8.00%	5 years
Details Term: 5-Year Draw/10-Year Repayment; Index: WSJ Prime; Margin: 1.00% Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.25% → 8.00% ▼ 0.25 pts · high 8.25% / low 7.75% Oct 1, 20268.00%▲ from 7.75% Sep 18, 20267.75%▼ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
2nd Lien Home Equity Loan	-	-	8.25%	121 - 180 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Oct 1, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
HOME EQUITY LINE OF CREDIT	-	-	8.25%	10 years
Details Term: 10-Year Draw/10-Year Repayment; Index: WSJ Prime; Margin: 1.25% Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 8.75% → 8.25% ▼ 0.50 pts · high 8.75% / low 8.00% Oct 1, 20268.25%▲ from 8.00% Sep 18, 20268.00%▼ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.04%	Up to 84 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 5.04% ▲ 0.20 pts · high 5.04% / low 4.84% Oct 1, 20265.04%▲ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Auto Loan	-	-	5.04%	Hasta 84 Meses
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 5.04% ▲ 0.20 pts · high 5.04% / low 4.84% Oct 1, 20265.04%▲ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, RVs, & Motorcycles Loan	-	6.54%	Up to 84 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.34% → 6.54% ▲ 0.20 pts · high 6.54% / low 6.34% Oct 1, 20266.54%▲ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Botes, RVs y Motocicletas Loan	-	6.54%	Hasta 84 Meses
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.54% ▲ 0.30 pts · high 6.54% / low 6.24% Oct 1, 20266.54%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Recreational Loans	-	7.39%
Details As Low As; Minimum APR (Annual Percentage Rate) of 7.39% applies. Rates vary based on length of term, age of vehicle, and your individual credit worthiness. Excludes internal refinances. Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union Credit Card Rates

Product	Rate	APR
Tarjeta de Credito Visa Platinum	-	11.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Visa Platinum Credit Card	-	11.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Tarjeta de Credito Visa Platinum Garantizada	-	12.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Visa Platinum Secured Credit Card	-	12.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Tarjeta de Credito Visa Cash Back Rewards	-	13.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Visa Cash Back Rewards Credit Card	-	13.99%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	11.49%	Up to 60 Months
Details As Low As Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99% Oct 1, 202611.49%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Prestamos Personales Loan	11.49%	Hasta 60 Meses
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99% Oct 1, 202611.49%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

Mobility Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	12.99%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Linea de Credito Loan	-	-	12.99%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
LINEA DE CREDITO SOBRE EL VALOR NETO DE LA VIVIENDA Loan	-	-	7.75%	5 months
Details Term: Periodo de Extraccion de 5 Anos/Periodo de Reembolso de 5 Anos; Index: WSJ Prime; Margin: 0.75% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
LINEA DE CREDITO SOBRE EL VALOR NETO DE LA VIVIENDA Loan	-	-	8.00%	5 months
Details Term: Periodo de Extraccion de 5 Anos/Periodo de Reembolso de 10 Anos; Index: WSJ Prime; Margin: 1.00% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
LINEA DE CREDITO SOBRE EL VALOR NETO DE LA VIVIENDA Loan	-	-	8.25%	10 months
Details Term: Periodo de Extraccion de 10 Anos/Periodo de Reembolso de 10 Anos; Index: WSJ Prime; Margin: 1.25% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Prestamo sobre el Valor Neto de la Vivienda en 2do Grado Loan	-	-	7.49%	0 - 60 Meses
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 1, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Prestamo sobre el Valor Neto de la Vivienda en 2do Grado Loan	-	-	7.75%	61 - 120 Meses
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 1, 20267.75%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
Prestamo sobre el Valor Neto de la Vivienda en 2do Grado Loan	-	-	8.25%	121 - 180 Meses
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Oct 1, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%
IRA (Roth,Traditional & Coverdell)	0.30%	-	0.30%
Min Deposit $100 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.96%

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Financial Health History

Mobility Credit Union’s Texas Ratio rose from 9.10% in Q3 2023 to 9.96% 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. 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	$358M	9.96%	5.0	A
March 31, 2026	$359M	10.05%	5.0	A
December 31, 2025	$360M	14.75%	5.0	A-
September 30, 2025	$363M	11.85%	5.0	A
June 30, 2025	$361M	11.54%	5.0	A
March 31, 2025	$368M	8.26%	5.0	A
December 31, 2024	$374M	10.51%	5.0	A
September 30, 2024	$381M	14.61%	5.0	A-
June 30, 2024	$389M	13.46%	5.0	A
March 31, 2024	$384M	10.09%	5.0	A
December 31, 2023	$377M	12.81%	5.0	A
September 30, 2023	$381M	9.10%	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 Mobility 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 Mobility 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 Mobility Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mobility Credit Union

Website https://www.mobilitycu.com

Address 8384 N Belt Line Rd, Irving, TX 75063-6006

Phone 214-574-2000

Fax 214-574-3163

President Mike Jackson

CEO Ron Perry

Full-Time Employees 42

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.96%

Return on Assets (ROA)

0.1796%

Return on Equity (ROE)

2.2403%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

357,580,596

Total Amount of Shares and Deposits

326,813,276

Total Shares and Deposits < 1 Year

279,698,718

Total Shares and Deposits 1 3 Years

46,597,491

Total Shares and Deposits > 3 Years

517,067

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

33,865,142

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

33,865,142

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

292,948,134

Total Interest Expense (Sum of items 6 8)

4,841,590

Share Certificates

1,986

Number of Accounts for Share Drafts

6,090

IRA KEOGH Accounts

588

Number of Accounts for Regular Shares

21,663

Non Member Deposits

Money Market Shares

1,144

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)

14,332,896

Total Liabilities

329,328,003

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mobility 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 Mobility Credit Union

How many branches does Mobility Credit Union operate?

Mobility 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 Mobility Credit Union?

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

Does Mobility Credit Union offer online and mobile banking?

Most modern institutions like Mobility 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.mobilitycu.com.