What are the current interest rates at Prospera Credit Union?

Current rates for Prospera Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.15%, 24-Month CD: 3.35%, 60-Month CD: 3.80%, Savings: 0.10%, MMA: 0.10%

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Prospera Credit Union Rates & Review September 2026

Q: How many branches does Prospera Credit Union operate?

Prospera 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 Prospera Credit Union?

Yes, to access services at Prospera 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, Prospera 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, Prospera 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: September 22, 2026

Prospera Credit Union's 11 Month CDs Specials rates are at 4.15%, 5 Year CD rates are at 3.80%, 4 Year CD rates are at 3.65%, 3 Year CD rates are at 3.50%, 2 Year CD rates are at 3.35%. Prospera Credit Union's savings rates are at 0.10%. Prospera Credit Union's money market rates are at 0.10%. Prospera Credit Union's Personal Loan Rates are as low as 10.75%. MonitorBankRates evaluates the financial stability of Prospera Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Prospera Credit Union
Corporate

4830 N Ballard Rd
Appleton, WI 54913

https://www.myprospera.com

Prospera Credit Union CD Rates

Product	Rate	APY	Term
11 Month Share Certificates Specials	4.07%	4.15%	11 month
Min Balance $5,000 Details Checking Account Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year Share Certificate	3.74%	3.80%	5 year
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year Share Certificate	3.59%	3.65%	4 year
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year Share Certificate	3.45%	3.50%	3 year
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year Share Certificate	3.30%	3.35%	2 year
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
18 Month Share Certificate	3.11%	3.15%	18 month
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year Share Certificate	2.96%	3.00%	1 year
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month Share Certificate	2.28%	2.30%	6 month
Min Balance $500 Details APY = Annual Percentage Yield; Penalty may be imposed for early withdrawal; Dividends are compounded monthly; Fees may reduce earnings Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Savings Rates

Product	Rate	APY
Connect Savings	2.96%	3.00%
Min Balance $0 Details Qualifications Required: Refer to Connect Plus Checking qualifications; Balance: $0.01-$40,000; Must have a Connect Plus Checking to open Connect Savings.; Refer to Connect Plus Checking qualifications, which then apply to Connect Savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Teen Savings	2.96%	3.00%
Min Balance $0 Details Qualifications Required: Refer to Teen Checking qualifications; Balance: $0.01-$40,000; 1 Refer to Teen Checking qualifications, which then apply to Teen Savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Club Savings Account	0.30%	0.30%
Min Balance $1 Details Holiday Savings Accounts are set to pay dividends (APY) on any balance of $1 or more. APY = Annual Percentage Yield. For individual accounts only. Dividends are compounded annually. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Individual Retirement Account (IRA) Savings	0.25%	0.25%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Connect Savings	0.10%	0.10%
Min Balance $40,000 Details Qualifications Required: Refer to Connect Plus Checking qualifications; Balance: $40,000+; Must have a Connect Plus Checking to open Connect Savings.; Refer to Connect Plus Checking qualifications, which then apply to Connect Savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Share Savings Account	0.10%	0.10%
Min Balance $5 Details For individual accounts only. Interest is compounded quarterly. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Sub Savings Account	0.10%	0.10%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Teen Savings	0.10%	0.10%
Min Balance $40,000 Details Qualifications Required: Refer to Teen Checking qualifications; Balance: $40,000; 1 Refer to Teen Checking qualifications, which then apply to Teen Savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Money Market Rates

Product	Rate	APY
Thrive Money Market	3.15%	3.20%
Min Balance $250,000 Details For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Thrive Money Market	2.37%	2.40%
Min Balance $100,000 Details For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Thrive Money Market	1.98%	2.00%
Min Balance $40,000 Details For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Prosper Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 and over; Minimum balance to avoid monthly fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Prosper Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Minimum balance to avoid monthly fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Prosper Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Minimum balance to avoid monthly fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Prosper Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Minimum balance to avoid monthly fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Prosper Money Market	0.10%	0.10%
Min Balance $100 Details Balance: $100 - $9,999.99; Minimum balance to avoid monthly fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Prosper Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Minimum balance to avoid monthly fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Checking Rates

Product	Rate	APY
Connect Plus Checking Account	4.89%	5.00%
Min Balance $0 Details Balance: $0.01-$5,000; Qualifications Required; Monthly Qualifications: you must a) receive eStatements; b) conduct 15 debit card transactions that post and settle to your account; c) receive one direct deposit/ACH credit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Teen Checking Account	4.89%	5.00%
Min Balance $0 Details Qualifications Required: eStatements enrollment; 4 debit card transactions that post and settle to your account; login to online banking or mobile application at least 4 days; Balance: $0.01-$5,000; Monthly Qualifications: you must a) receive eStatements; b) conduct 4 debit card transactions that post and settle to your account; c) login to online banking or mobile application at least 4 days. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Plus Checking Account	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Plus Checking Account	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Connect Plus Checking Account	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.01+; Qualifications Required; Monthly Qualifications: you must a) receive eStatements; b) conduct 15 debit card transactions that post and settle to your account; c) receive one direct deposit/ACH credit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Teen Checking Account	0.10%	0.10%
Min Balance $5,000 Details Qualifications Required: eStatements enrollment; 4 debit card transactions that post and settle to your account; login to online banking or mobile application at least 4 days; Balance: $5,000.01; Monthly Qualifications: you must a) receive eStatements; b) conduct 4 debit card transactions that post and settle to your account; c) login to online banking or mobile application at least 4 days. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Plus Checking Account	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Dividend Checking Account	0.05%	0.05%
Min Balance $5,000 Details For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Dividend Checking Account	0.04%	0.04%
Min Balance $1,500 Details For individual accounts only. Dividends are compounded monthly. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Interest-Only HELOC	-	-	5.75%	12 Month
Details Term: 12 Month Fixed Intro Rate /10 Year Draw Period; Annual Percentage Rate (APR) includes a 0.50% discount for PCU checking and auto pay. After the 12-month introductory period the rate is indexed to the Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Home Equity Installment (Lump Sum)	8.50%	-	9.18%	Up to 100 Months
Details Annual Percentage Rate (APR) includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Offer limited to homeowners. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
HELOC Personal Line of Credit	10.75%	-	10.75%	Variable Line of Cre
Details Term: Variable Line of Credit; Annual Percentage Rate (APR) is variable based on the Prime rate index plus a margin of 4.00%. Loans currently held with PCU are not eligible. Offer limited to homeowners. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car, Truck, Motorcycle, RV, and Boat - 2023 - newer Loan	4.49%	-	5.37%	up to 72 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As; Rates as of 09/01/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Car, Truck, Motorcycle, RV, and Boat - 2020 - 2022 Loan	4.49%	-	5.53%	up to 60 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As; Rates as of 09/01/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Car, Truck, Motorcycle, RV, and Boat - 2021 - newer Loan	5.49%	-	6.54%	up to 60 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Car, Truck, Motorcycle, RV, and Boat - 2017- 2019 Loan	5.49%	-	6.79%	up to 48 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As; Rates as of 09/01/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Car, Truck, Motorcycle, RV, and Boat - 2017 - 2020 Loan	6.49%	-	7.80%	up to 48 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Car, Truck, Motorcycle, RV, and Boat - 2016 - older Loan	6.99%	-	8.71%	up to 36 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As; Rates as of 09/01/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Car, Truck, Motorcycle, RV, and Boat - 2016 - older Loan	7.99%	-	9.72%	up to 36 months
Details Annual Percentage Rate (APR) is based on creditworthiness, vehicle age, and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount is determined by creditworthiness and loan-to-value (LTV). Vehicle loans currently financed with PCU are not eligible. Membership eligibility required. Rates subject to change without notice. As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Personal Loan Rates

Product	APR	Term
HELOC Personal Line of Credit	10.75%	Variable Line of Cre
Details Term: Variable Line of Credit; Annual Percentage Rate (APR) is variable based on the Prime rate index plus a margin of 4.00%. Loans currently held with PCU are not eligible. Offer limited to homeowners. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Unsecured Loan	11.74%	up to 36 months
Details The advertised APR includes a one-time $25 processing fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Prospera Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Kwik Cash Line of Credit	12.65%	-	12.65%	Variable Line of Cre
Details Term: Variable Line of Credit; Annual Percentage Rate (APR) is variable prime plus 5.90% as published in the Wall Street Journal and is based on creditworthiness. Payment is 2% of outstanding balance or $10; whichever is greater. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Rewards Loan	-	-	14.40%	Revolving
Details Published APR range: 14.40%-22.40%. Rates as of 09/01/2026. Subject to change without notice. Based on creditworthiness. APR will vary with market-based on the Prime Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Intro Rate Loan	-	-	5.99%
Details Intro rate expires: 12 months; Regular APR: 5.99% For first 12 months from opening account. Balance transfers from another Prospera card do not qualify. Rates as of 09/01/2026. Subject to change without notice. Based on creditworthiness. APR will vary with market-based on the Prime Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
HSA Checking (Health Savings Account)	0.60%	-	0.60%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Prospera Credit Union’s Texas Ratio stayed near 2.26% in Q2 2023 to 2.12% in Q1 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
March 31, 2026	$379M	2.12%	5.0	A+
December 31, 2025	$375M	2.69%	5.0	A+
September 30, 2025	$367M	2.14%	5.0	A+
June 30, 2025	$367M	3.07%	5.0	A+
March 31, 2025	$368M	1.78%	5.0	A+
December 31, 2024	$365M	2.49%	5.0	A+
September 30, 2024	$364M	3.39%	5.0	A+
June 30, 2024	$369M	3.32%	5.0	A+
March 31, 2024	$372M	4.63%	5.0	A+
December 31, 2023	$377M	5.37%	5.0	A+
September 30, 2023	$377M	2.62%	5.0	A+
June 30, 2023	$374M	2.26%	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 Prospera 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 Prospera 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 Prospera Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Prospera Credit Union

Website https://www.myprospera.com

Address 4830 N Ballard Rd, Appleton, WI 54913

Phone 920-882-4800

Fax 920-738-4978

President Tom Clifford

CEO Sheila Schinke

Full-Time Employees 75

Part-Time Employees 10

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.12%

Return on Assets (ROA)

0.0549%

Return on Equity (ROE)

0.6100%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

378,816,011

Total Amount of Shares and Deposits

323,156,991

Total Shares and Deposits < 1 Year

306,151,149

Total Shares and Deposits 1 3 Years

13,960,119

Total Shares and Deposits > 3 Years

3,045,721

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

21,920,728

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

21,920,728

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

301,236,263

Total Interest Expense (Sum of items 6 8)

1,636,331

Share Certificates

2,088

Number of Accounts for Share Drafts

16,565

IRA KEOGH Accounts

1,052

Number of Accounts for Regular Shares

33,487

All other shares

596

Non Member Deposits

Money Market Shares

357

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

207,817

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)

19,764,843

Total Liabilities

345,218,997

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Prospera Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Prospera Credit Union

How many branches does Prospera Credit Union operate?

Prospera 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 Prospera Credit Union?

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

Does Prospera Credit Union offer online and mobile banking?

Most modern institutions like Prospera 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.myprospera.com.