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RTP Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio →
| 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

RTP Federal Credit Union's top rates as of October 9, 2026 are 3.72% APY on its 12 Month Business CD Account, 0.25% APY on savings, 1.26% APY on checking, personal loans from 9.99% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other RTP Federal Credit Union CD rates include 12 Month CD at 3.72%, 24 Month Business CD Account at 3.56%, and 24 Month CD at 3.56%. MonitorBankRates evaluates the financial stability of RTP Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.20%. Rates last updated and verified on 10/09/2026.

RTP 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 RTP Federal Credit Union? Share your experience about RTP Federal Credit Union by leaving a review below, or read customer reviews before you decide to use RTP 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 ?
5.20%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
RTP Federal Credit Union
RTP Federal Credit Union
384 Davis Dr
Morrisville, NC 27560-6336
https://www.rtpfcu.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.

RTP Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate 3.65% 3.72% 12 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.46% → 3.72% ▲ 0.26 pts · high 3.72% / low 3.46%
2.96%3.59%4.22%Sep 14, 2026: 3.46% APYOct 5, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.72%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
24 Month Certificate 3.50% 3.56% 24 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
6 Month Certificate 3.50% 3.56% 6 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
18 Month Certificate 3.45% 3.51% 18 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
36 Month Certificate 3.40% 3.46% 36 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.46% APY · checked 6 times
2.96%3.46%3.96%Sep 14, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
48 Month Certificate 3.30% 3.35% 48 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
60 Month Certificate 3.25% 3.30% 60 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Business CD Rates

Product Rate APY Term View More
12 Month Business Certificate Account 3.65% 3.72% 12 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.46% → 3.72% ▲ 0.26 pts · high 3.72% / low 3.46%
2.96%3.59%4.22%Sep 14, 2026: 3.46% APYOct 5, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.72%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
24 Month Business Certificate Account 3.50% 3.56% 24 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
6 Month Business Certificate Account 3.50% 3.56% 6 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
18 Month Business Certificate Account 3.45% 3.51% 18 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
36 Month Business Certificate Account 3.40% 3.46% 36 Months
Min Deposit $250
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.46% APY · checked 6 times
2.96%3.46%3.96%Sep 14, 2026: 3.46% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.25% 0.25%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Triangle Kids Savings Account 0.25% 0.25%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Triangle Teens Savings Account 0.25% 0.25%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Vacation Club 0.25% 0.25%
Min Deposit $5
Min Balance $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Regular Savings 0.20% 0.20%
Min Deposit $25
Min Balance $25
Details balances $100 or greater
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Business Savings Rates

Product Rate APY View More
Business Savings 0.20% 0.20%
Min Deposit $25
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Checking Rates

Product Rate APY View More
Interest Checking 1.25% 1.26%
Details Qualifications Required: 30 + debit card transactions; 30 + debit card transactions
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 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: 5.20%
Interest Checking 0.50% 0.50%
Details Qualifications Required: 12-29 debit card transactions; 12-29 debit card transactions
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Interest Checking 0.10% 0.10%
Details Qualifications Required: 0-11 debit card transactions; 0-11 debit card transactions
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Business Checking Rates

Product Rate APY View More
Business Premier Checking 0.20% 0.20%
Min Deposit $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.50%
Details As low as; Amount: $15,000 and Over
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 9 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Home Equity Loan - - 7.50% 15-year
Details Estimated monthly payment at lowest rate of 7.50% for a 15-year term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 9, 2026: 7.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Home Equity Line of Credit - - 7.75%
Details As low as; Amount: $5,000 to $15,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Home Equity Loan - - 7.75% 15-year
Details Estimated monthly payment at lowest rate of 7.75% for a 15-year term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 9, 2026: 7.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.49% 60 months
Details Maximum term for lowest rate is 60 months. Estimated monthly payment at lowest rate of 4.49% for a 60-month term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Auto Loan Buy Back - - 6.75% 10 years
Details Maximum term for lowest rate is 10 years. Estimated monthly payment at lowest rate of 6.75% for a 10-year term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 9, 2026: 6.75% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
First Time Auto Loans - - 8.50% up to 63 months
Details As low as; Maximum loan amount is $15,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
8.00%8.50%9.00%Sep 14, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle Loans - 6.74%
Details As low as; Fixed Rates only. 125% financing available. Flexible terms available.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 8 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
RV & Boat Loans - 6.75% up to 10 years
Details As low as; Fixed Rates only. 100% financing available.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Cards - 10.00%
Details Published APR range: 10.00% - 16.00%. Fixed Rate; No Annual Fee. No fee for cash advances. Minimum payment is 2% of balance or $25, whichever is greater. Lowest rates reflect a 2% discount for accounts with checking, direct deposit, debit card, home banking, and e-statements. See Visa Platinum Disclosure for Additional Disclosures.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
First Time Visa - 12.00%
Details As low as
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 8 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Personal Loan Rates

Product APR Term View More
Debt Consolidation Loans 9.99% 60 months
Details As low as; Maximum term for lowest rate is 60 months.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Personal Loans 9.99% up to 60 months
Details Fixed Rates only.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%

RTP Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
First Responder Loan - - 9.99% 60 months
Details Maximum term for lowest rate is 60 months. Estimated monthly payment at lowest rate of 9.99% for a 60-month term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Home Improvement Loans - - 7.49% 36 months
Details As low as; Maximum term for lowest rate is 36 months.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Salary Advance Loan - - 5.99% 12 months
Details Maximum term for lowest rate is 12 months. Estimated monthly payment at lowest rate of 5.99% for a 12-month term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Technology Loan - - 8.50% 63 months
Details Maximum term for lowest rate is 63 months. Estimated monthly payment at lowest rate of 8.50% for a 63-month term is
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 9, 2026: 8.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Technology Loans - - 5.99% up to 12 months
Details As low as; Maximum loan amount is $5,000.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 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: 5.20%
Business Money Fund 1.00% - 1.01%
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 6 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Education IRA 1.00% - 1.01%
Min Deposit $25
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Interest Checking - - 1.26%
Details Qualifications Required: 30+ debit card transactions; 30+ debit card transactions
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 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: 5.20%
Money Fund 1.00% - 1.01%
Min Balance $1,000
Details Balance: $1,000 - 9,999
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 21, 2026: 1.01% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Money Fund 1.00% - 1.01%
Min Balance $10,000
Details Balance: $10,000 - 24,999
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 21, 2026: 1.01% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
Money Fund 1.00% - 1.01%
Min Balance $25,000
Details Balance: $25,000 +
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 21, 2026: 1.01% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.20%
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

RTP Federal Credit Union’s Texas Ratio rose from 4.10% in Q3 2023 to 5.20% 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 4.9 to 5.0 and its Health Grade from A to A+. 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.

0% 1.0★ 2% 2.0★ 4.1% 3.0★ 6.1% 4.0★ 8.1% 5.0★ Healthy zone – entire history below the 15% limit 4.10% 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 5.20% 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 Grade
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$142M5.20%5.0A+
March 31, 2026$144M3.90%5.0A+
December 31, 2025$142M6.01%5.0A
September 30, 2025$143M5.48%5.0A+
June 30, 2025$144M4.02%5.0A+
March 31, 2025$144M2.14%5.0A+
December 31, 2024$141M2.77%5.0A+
September 30, 2024$139M2.24%5.0A+
June 30, 2024$140M2.61%5.0A+
March 31, 2024$143M4.86%5.0A+
December 31, 2023$141M5.52%5.0A+
September 30, 2023$145M4.10%4.9A
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 RTP 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 RTP 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 RTP Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name RTP Federal Credit Union
Website https://www.rtpfcu.org
Address 384 Davis Dr, Morrisville, NC 27560-6336
Phone 919-941-5700
Fax 919-484-8435
President Cynthia Bland
CEO Charles Venable
Full-Time Employees 30
Part-Time Employees 1
Branch Locations 4
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.20%
Return on Assets (ROA)
0.1439%
Return on Equity (ROE)
1.7857%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
142,172,719
Total Amount of Shares and Deposits
130,041,705
Total Shares and Deposits < 1 Year
128,313,119
Total Shares and Deposits 1 3 Years
1,382,487
Total Shares and Deposits > 3 Years
346,099
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,760,660
Total Uninsured Shares and Deposits > $250K (F+J)
3,760,660
Total Insured Shares and Deposits > $250K (item 17 less item K)
126,281,045
Total Interest Expense (Sum of items 6 8)
596,678
Share Certificates
885
Number of Accounts for Share Drafts
4,938
IRA KEOGH Accounts
410
Number of Accounts for Regular Shares
9,958
Money Market Shares
568
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)
18,260,477
Total Liabilities
131,296,088
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

RTP Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About RTP Federal Credit Union

How many branches does RTP Federal Credit Union operate?

RTP 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 RTP Federal Credit Union?

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

Does RTP Federal Credit Union offer online and mobile banking?

Most modern institutions like RTP 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.rtpfcu.org.

Current RTP Federal Credit Union Rates

  • 12-Month CD3.72%
  • 18-Month CD3.51%
  • 24-Month CD3.56%
  • 60-Month CD3.30%
  • Savings0.25%
Retrieved from our database of financial products. Rates subject to change.

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