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Cranberry Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Cranberry Federal Credit Union's top rates as of October 9, 2026 are 4.59% APY on its 12-Month CD, 0.05% APY on savings, 1.51% APY on money market accounts, personal loans from 6.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Cranberry Federal Credit Union CD rates include 12-Month Traditional/Roth IRA CD at 4.59%, 18-Month CD at 4.49%, and 18-Month Traditional/Roth IRA CD at 4.49%. MonitorBankRates evaluates the financial stability of Cranberry Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.35%. Rates last updated and verified on 10/09/2026.

Cranberry Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cranberry Federal Credit Union? Share your experience about Cranberry Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cranberry Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.35%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Cranberry Federal Credit Union
Main/Corporate Office
2203 Cranberry Hwy
West Wareham, MA 02576-1210
https://www.pctfcu.org
Member NCUA
Customer Reviews
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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.

Cranberry Federal Credit Union CD Rates

Product Rate APY Term View More
12-Month CD 4.50% 4.59% 12-Month
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYOct 5, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD 4.50% 4.59% 12-Month
Min Deposit $100,000
Min Balance $100,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.33% → 4.59% ▲ 0.26 pts · high 4.59% / low 4.33%
3.83%4.46%5.09%Sep 14, 2026: 4.33% APYSep 29, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.59%▲ from 4.33%
  • Sep 14, 20264.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
18-Month CD 4.40% 4.49% 18-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYOct 5, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
18-Month Traditional/Roth IRA CD 4.40% 4.49% 18-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.49% ▲ 0.47 pts · high 4.49% / low 4.02%
3.52%4.26%4.99%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.49%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
12-Month CD 4.35% 4.44% 12-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYOct 5, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
12-Month Traditional/Roth IRA CD 4.35% 4.44% 12-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18%
3.68%4.31%4.94%Sep 14, 2026: 4.18% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.44%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
60-Month CD 4.35% 4.44% 60-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 4.44% APY · checked 2 times
3.94%4.44%4.94%Oct 5, 2026: 4.44% APYOct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD 4.35% 4.44% 60-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.44% ▲ 0.68 pts · high 4.44% / low 3.76%
3.08%4.10%5.12%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.44% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.44%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
48-Month CD 4.30% 4.39% 48-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYOct 5, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD 4.30% 4.39% 48-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.76% → 4.39% ▲ 0.63 pts · high 4.39% / low 3.76%
3.13%4.07%5.02%Sep 14, 2026: 3.76% APYSep 29, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.39%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
36-Month CD 4.25% 4.33% 36-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD 4.25% 4.33% 36-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.33% ▲ 0.58 pts · high 4.33% / low 3.75%
3.17%4.04%4.91%Sep 14, 2026: 3.75% APYSep 29, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.33%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
24-Month CD 4.20% 4.28% 24-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYOct 5, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD 4.20% 4.28% 24-Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.28% ▲ 0.31 pts · high 4.28% / low 3.97%
3.47%4.13%4.78%Sep 14, 2026: 3.97% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.28%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
60-Month CD 4.20% 4.28% 60-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYOct 5, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
60-Month Traditional/Roth IRA CD 4.20% 4.28% 60-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.28% ▲ 0.67 pts · high 4.28% / low 3.61%
2.94%3.95%4.95%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.28%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
48-Month CD 4.15% 4.23% 48-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYOct 5, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
48-Month Traditional/Roth IRA CD 4.15% 4.23% 48-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61%
2.99%3.92%4.85%Sep 14, 2026: 3.61% APYSep 29, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.23%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
36-Month CD 4.10% 4.18% 36-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
36-Month Traditional/Roth IRA CD 4.10% 4.18% 36-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.18% ▲ 0.62 pts · high 4.18% / low 3.56%
2.94%3.87%4.80%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.18%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
24-Month CD 4.05% 4.13% 24-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYOct 5, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
24-Month Traditional/Roth IRA CD 4.05% 4.13% 24-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.13% ▲ 0.33 pts · high 4.13% / low 3.80%
3.30%3.97%4.63%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.13%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
6-Month CD 3.40% 3.43% 6-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 3 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
6-Month Traditional/Roth IRA CD 3.40% 3.43% 6-Month
Min Deposit $500
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 6 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Savings Rates

Product Rate APY View More
Cranberry Kids Club 5.00% 5.12%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 5.12% APY · checked 6 times
4.62%5.12%5.62%Sep 21, 2026: 5.12% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Christmas Club 0.05% 0.05%
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
IRA Savings / ROTH IRA Savings 0.05% 0.05%
Min Deposit $25
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Membership Savings 0.05% 0.05%
Min Deposit $5
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market/ IRA Money Market 1.50% 1.51%
Min Balance $50,000
Details Balance: $50,000.00 or more
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Money Market/ IRA Money Market 1.25% 1.26%
Min Balance $20,000
Details Balance: $20,000.00 - $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Money Market/ IRA Money Market 1.00% 1.00%
Min Balance $2,000
Details Balance: $2,000.00 - $19,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Special Introductory Rate - - 6.00%
Details First 12 Months; LTV up to 80%
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
HELOC - - 6.25% 10 Year
Details Term: 10 Year Draw, 15 Year Repayment; Prime - 0.50% Currently 6.25%; LTV 80% up to $350,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
HELOC 100 - - 8.25% 10 Year
Details Term: 10 Year Draw, 15 Year Repayment; Prime +1.5% Currently 8.25%; LTV 80.01-100% up to $250,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 10 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Truck Loan - - 4.49% Up to 48 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 17, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 17, 2026: 3.99% APRSep 29, 2026: 4.49% APRSep 17, 2026Oct 13, 2026
  • Sep 29, 20264.49%▲ from 3.99%
  • Sep 17, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Truck Loan - - 4.49% Up to 65 months
Details Additional APR listed for this product: 5.99%.
Last Updated 10/09/2026
Rate History
1 change since Sep 17, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 17, 2026: 3.99% APRSep 29, 2026: 4.49% APRSep 17, 2026Oct 13, 2026
  • Sep 29, 20264.49%▲ from 3.99%
  • Sep 17, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Truck Loan - - 5.49% 66 - 75 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 14, 2026: 4.99% APRSep 29, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.49%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Truck Loan - - 5.99% 76 - 84 months
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 17, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 17, 2026: 5.49% APRSep 29, 2026: 5.99% APRSep 17, 2026Oct 13, 2026
  • Sep 29, 20265.99%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle Loans - 4.99% Up to 48 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Motorcycle Loans - 4.99% Up to 65 months
Details Additional APR listed for this product: 6.49%.
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Motorcycle Loans - 5.99% 66 - 75 months
Details Additional APR listed for this product: 6.99%.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Motorcycle Loans - 6.49% 76 - 84 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card Platinum - 9.90%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 9 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Visa Credit Card Gold - 13.90%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 9 times
13.40%13.90%14.40%Sep 14, 2026: 13.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Personal Loan Rates

Product APR Term View More
Debt Consolidation Loan 6.99% Up to 36 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Debt Consolidation Loan 7.99% Up to 60 months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%

Cranberry Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Energy Loan - - 6.49% 12 Months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 9 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Skip To Main Content Loan - - 6.99% Up to 48 months
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 9, 2026: 6.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Vacation Loan - - 6.49% 12 Months
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 17, 2026: 6.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.35%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Cranberry Federal Credit Union’s Texas Ratio stayed near 5.30% in Q3 2023 to 5.35% 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.

0% 1.0★ 4.8% 2.0★ 9.7% 3.0★ 14.5% 4.0★ 19.4% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.30% A+ Q3 2023 A- Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 5.35% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$63M5.35%5.0A+
March 31, 2026$63M3.44%5.0A+
December 31, 2025$62M3.08%5.0A+
September 30, 2025$65M10.09%5.0A
June 30, 2025$64M3.56%5.0A+
March 31, 2025$64M2.80%5.0A+
December 31, 2024$60M10.91%5.0A
September 30, 2024$58M11.03%5.0A
June 30, 2024$59M4.44%5.0A+
March 31, 2024$59M3.16%5.0A+
December 31, 2023$57M14.35%5.0A-
September 30, 2023$57M5.30%5.0A+
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 Cranberry Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cranberry Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cranberry Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cranberry Federal Credit Union
Website https://www.pctfcu.org
Address 2203 Cranberry Hwy, West Wareham, MA 02576-1210
Phone 508-291-0777
Fax 508-291-0491
President John Grondin
CEO Daniel Picard
Full-Time Employees 10
Part-Time Employees 1
Branch Locations 2
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.35%
Return on Assets (ROA)
0.1230%
Return on Equity (ROE)
1.5028%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
63,347,476
Total Amount of Shares and Deposits
57,815,461
Total Shares and Deposits < 1 Year
54,052,313
Total Shares and Deposits 1 3 Years
2,731,163
Total Shares and Deposits > 3 Years
1,031,985
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,909,927
Total Uninsured Shares and Deposits > $250K (F+J)
1,909,927
Total Insured Shares and Deposits > $250K (item 17 less item K)
55,905,534
Total Interest Expense (Sum of items 6 8)
358,671
Share Certificates
480
Number of Accounts for Share Drafts
1,716
IRA KEOGH Accounts
132
Number of Accounts for Regular Shares
3,786
All other shares
116
Money Market Shares
258
Net Income (unless the amount is already included in Undivided Earnings)
77,940
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)
1,860,265
Total Liabilities
58,186,822
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Cranberry Federal 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

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Cranberry Federal Credit Union

How many branches does Cranberry Federal Credit Union operate?

Cranberry Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Cranberry Federal Credit Union?

Yes, to access services at Cranberry Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Cranberry Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cranberry Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cranberry Federal Credit Union offer online and mobile banking?

Most modern institutions like Cranberry Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pctfcu.org.

Current Cranberry Federal Credit Union Rates

  • 12-Month CD4.44%
  • 18-Month CD4.49%
  • 24-Month CD4.13%
  • 60-Month CD4.28%
  • Savings0.05%
  • MMA1.51%
Retrieved from our database of financial products. Rates subject to change.

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