What are the current interest rates at MOOG EMPLOYEES?

Current rates for MOOG EMPLOYEES include: 12-Month CD: 3.75%, 24-Month CD: 3.45%, Savings: 0.15%, MMA: 3.40%

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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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MOOG EMPLOYEES

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MOOG EMPLOYEES Rates & Review October 2026

Q: How many branches does MOOG EMPLOYEES operate?

MOOG EMPLOYEES 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 MOOG EMPLOYEES?

Yes, to access services at MOOG EMPLOYEES, 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, MOOG EMPLOYEES 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, MOOG EMPLOYEES 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

MOOG EMPLOYEES's top rates as of October 10, 2026 are 4.00% APY on its 12 Month Jumbo CD, 0.15% APY on savings, 3.40% APY on money market accounts, 7.00% on its First Mortgage (Primary Residence) - 180 Months (15 Years), and personal loans from 8.49% APR, according to rates verified by MonitorBankRates. Other MOOG EMPLOYEES CD rates include 12 Month IRA CD at 3.75%, 12 Month Term CD at 3.75%, and 24 Month Jumbo CD at 3.70%. Other MOOG EMPLOYEES mortgage rates include Refinance of Existing Credit Union First Mortgage Loan (Low Closing Costs) - 180 Months (15 Years) at 7.00%, First Mortgage (Primary Residence) - 240 Months (20 Years) at 7.35%, and Refinance of Existing Credit Union First Mortgage Loan (Low Closing Costs) - 240 Months (20 Years) at 7.35%. MonitorBankRates evaluates the financial stability of MOOG EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates last updated and verified on 10/10/2026.

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

Ranked #2 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MOOG EMPLOYEES
Main Office

7181 SENECA St
EAST AURORA, NY 14052-0018

http://www.moogfcu.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.

MOOG EMPLOYEES CD Rates

Product	Rate	APY	Term
12 Month Jumbo Share Certificate	4.00%	4.00%	12 Month
Min Deposit $100,000 Details $100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 1, 20264.00%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month IRA Certificate	3.75%	3.75%	12 Month
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 1, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
12 Month Term Share Certificate	3.75%	3.75%	12 Month
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.75% ▲ 0.45 pts · high 3.75% / low 3.30% Oct 1, 20263.75%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24 Month Jumbo Share Certificate	3.70%	3.70%	24 Month
Min Deposit $100,000 Details $100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 1, 20263.70%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36 Month Jumbo Share Certificate	3.60%	3.60%	36 Month
Min Deposit $100,000 Details $100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35% Oct 1, 20263.60%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24 Month IRA Certificate	3.45%	3.45%	24 Month
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20% Oct 1, 20263.45%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
24 Month Term Share Certificate	3.45%	3.45%	24 Month
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.45% ▲ 0.25 pts · high 3.45% / low 3.20% Oct 1, 20263.45%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36 Month IRA Certificate	3.35%	3.35%	36 Month
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10% Oct 1, 20263.35%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
36 Month Term Share Certificate	3.35%	3.35%	36 Month
Min Deposit $1,000 Details $1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10% Oct 1, 20263.35%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

MOOG EMPLOYEES Savings Rates

Product	Rate	APY	View More
IRA Savings	0.15%	0.15%
Details Save Tax Free! Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

MOOG EMPLOYEES Money Market Rates

Product	Rate	APY
Platinum Money Market Shares	3.40%	3.40%
Min Balance $10,000 Details Minimum Balance of $10,000.00 Required to Earn Dividends; Deposit cannot exceed $500,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20% Oct 1, 20263.40%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market Shares	0.55%	0.55%
Min Balance $2,500 Details Minimum Balance of $2,500.00 Required to Earn Dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

MOOG EMPLOYEES Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Saver Loan - Fixed Rate / Closed End Term	-	-	6.00%	Up to 60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Saver Loan - Fixed Rate / Closed End Term	-	-	6.15%	Up to 120 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Loan - Fixed Rate / Closed End Term	-	-	6.25%	Up to 60 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Saver Loan - Fixed Rate / Closed End Term	-	-	6.25%	61 - 84 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Loan - Fixed Rate / Closed End Term	-	-	6.50%	61 - 120 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 27, 20266.50%▲ from 6.25% Sep 22, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Home Equity Loan - Fixed Rate / Closed End Term	-	-	6.75%	121 - 180 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 27, 20266.75%▲ from 6.50% Sep 22, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

MOOG EMPLOYEES Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	3.99%	12-60 months
Details Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	3.99%	12-24 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	4.25%	25-36 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	4.99%	37-60 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Auto Loans	-	-	5.50%	61-72 months
Details Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Auto Loans	-	-	5.50%	61-72 months
Details Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Auto Loans	-	-	6.50%	73-84 months
Details Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

MOOG EMPLOYEES RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans (New or Used)	-	4.24%	12-24 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.24%	12-24 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	4.24%	12-24 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.49%	25-36 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	4.74%	25-48 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.74%	37-48 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	4.74%	25-48 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	4.99%	49-60 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	5.24%	49-60 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	5.24%	61-72 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	5.24%	49-60 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.25%	12-36 months
Details Up to 72 months - No minimum - No maximum; 73 - 96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Motorcycles Loan	-	5.49%	73-84 months
Details Up to $60,000.00; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.50%	37-48 months
Details Up to 72 months - No minimum - No maximum; 73 - 96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.50%	49-60 months
Details Up to 72 months - No minimum - No maximum; 73 - 96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	5.74%	61-84 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	5.74%	61-84 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	5.75%	12-36 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.00%	61-72 months
Details Up to 72 months - No minimum - No maximum; 73 - 96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	6.24%	85-96 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	6.24%	85-96 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Motorcycles Loan	-	6.25%	12-48 months
Details Up to $60,000.00; 49-72 months - Minimum $10,000.00 - Maximum $60,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.25%	37-48 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.50%	73-84 months
Details Up to 72 months - No minimum - No maximum; 73 - 96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	6.50%	49-60 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	6.74%	97-120 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	6.74%	97-120 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Boat Loans (New or Used)	-	6.99%	121-180 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
RV Camping Trailers / Motorhome (New or Used) Loan	-	6.99%	121-180 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
New Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.00%	85-96 months
Details Up to 72 months - No minimum - No maximum; 73 - 96 months - Minimum $20,000.00 - No maximum; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.00%	61-72 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Motorcycles Loan	-	7.25%	49-60 months
Details Up to $60,000.00; 49-72 months - Minimum $10,000.00 - Maximum $60,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.50%	73-84 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Recreational Vehicle (Jetski, Snowmobile, ATV) Loan	-	7.75%	85-96 months
Details Up to 60 months - No minimum - No Maximum; 61-96 months - minimum $16,000.00 - No Maximum; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Used Motorcycles Loan	-	8.25%	61-72 months
Details Up to $60,000.00; 49-72 months - Minimum $10,000.00 - Maximum $60,000.00; Used purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

MOOG EMPLOYEES Personal Loan Rates

Product	APR	Term
Personal Loans	8.49%	12-48 months
Details Up to $30,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Personal Loans	9.49%	49-60 months
Details Up to $30,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Personal Loans	9.99%	61-84 months
Details Up to $30,000.00 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: 0.01%

MOOG EMPLOYEES Other Rates

Product	Rate	Points	APY/APR	Term
First Mortgage (Primary Residence) - 180 Months (15 Years)	7.00%	-	7.00%	180 Months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
First Mortgage (Primary Residence) - 240 Months (20 Years)	7.35%	-	7.35%	240 Months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
First Mortgage (Primary Residence) - 360 Months (30 Years)	7.50%	-	7.50%	360 Months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Land Loans	-	-	7.80%	Up to 180 Months
Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 7.05% → 7.80% ▲ 0.75 pts · high 7.80% / low 7.05% Oct 1, 20267.80%▲ from 7.45% Sep 22, 20267.45%▲ from 7.05% Sep 14, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Refinance of Existing Credit Union First Mortgage Loan (Low Closing Costs) - 180 Months (15 Years)	7.00%	-	7.00%	180 Months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Refinance of Existing Credit Union First Mortgage Loan (Low Closing Costs) - 240 Months (20 Years)	7.35%	-	7.35%	240 Months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Refinance of Existing Credit Union First Mortgage Loan (Low Closing Costs) - 360 Months (30 Years)	7.50%	-	7.50%	360 Months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	7.00%	12-24 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	8.00%	25--72 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	9.00%	73-96 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Tractor / Heavy Equipment (New or Used) Loan	-	-	10.00%	97-180 months
Details Term determined by amount borrowed; New purchases only (excludes refinances on existing MEFCU loans) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

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

MOOG EMPLOYEES’s Texas Ratio stayed near 0.19% in Q3 2023 to 0.01% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — 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
June 30, 2026	$257M	0.01%	5.0	A+
March 31, 2026	$255M	0.38%	5.0	A+
December 31, 2025	$250M	0.34%	5.0	A+
September 30, 2025	$245M	0.11%	5.0	A+
June 30, 2025	$243M	0.36%	5.0	A+
March 31, 2025	$239M	0.00%	5.0	A+
December 31, 2024	$234M	0.29%	5.0	A+
September 30, 2024	$232M	0.01%	5.0	A+
June 30, 2024	$229M	0.05%	5.0	A+
March 31, 2024	$228M	0.06%	5.0	A+
December 31, 2023	$226M	0.29%	5.0	A+
September 30, 2023	$226M	0.19%	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 MOOG EMPLOYEES 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 MOOG EMPLOYEES 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 MOOG EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MOOG EMPLOYEES

Website http://www.moogfcu.com

Address 7181 SENECA St, EAST AURORA, NY 14052-0018

Phone 716-655-2360

Fax 716-655-1675

President PETER SCHNITZLER

CEO FRANK DUMOND

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.01%

Return on Assets (ROA)

0.9958%

Return on Equity (ROE)

3.7393%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

257,334,060

Total Amount of Shares and Deposits

188,369,272

Total Shares and Deposits < 1 Year

187,131,482

Total Shares and Deposits 1 3 Years

1,237,791

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

11,008,289

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

11,008,289

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

177,360,983

Total Interest Expense (Sum of items 6 8)

1,264,426

Share Certificates

518

Number of Accounts for Share Drafts

4,213

IRA KEOGH Accounts

490

Number of Accounts for Regular Shares

9,568

Money Market Shares

874

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)

21,635,348

Total Liabilities

188,805,050

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MOOG EMPLOYEES earned the Top 100 Healthiest 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/moog-employees-rates-review-15669">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #2 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About MOOG EMPLOYEES

How many branches does MOOG EMPLOYEES operate?

MOOG EMPLOYEES 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 MOOG EMPLOYEES?

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

Does MOOG EMPLOYEES offer online and mobile banking?

Most modern institutions like MOOG EMPLOYEES 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: http://www.moogfcu.com.