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Racine Municipal Employees Credit Union

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Racine Municipal Employees Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Racine Municipal Employees Credit Union's top rates as of October 9, 2026 are 4.10% APY on its 7 month Special CD Accounts, 6.00% on its 10 Year Fixed Rate Home Loan mortgage, personal loans from 6.75% APR, and credit cards from 6.75% APR, according to rates verified by MonitorBankRates. Other Racine Municipal Employees Credit Union mortgage rates include 15 Year Fixed Rate Home Loan at 6.25%. MonitorBankRates evaluates the financial stability of Racine Municipal Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.23%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Racine Municipal Employees Credit Union
Main Office

1907 Lathrop Ave
Racine, WI 53405-3706

https://rmecu.org

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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.

Racine Municipal Employees Credit Union CD Rates

Product	Rate	APY	Term	View More
7 month Special Certificate Accounts	4.025%	4.10%	7 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate Home Loan	6.00%	-	6.00%	120 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
15 Year Fixed Rate Home Loan	6.25%	-	6.25%	180 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans - Fixed Rate	6.75%	-	6.75%	10 years
Details Term: 10 and 15 Year options; Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Real Estate loan rates and terms are subject to change without notice. Please call the credit union for most current rates. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Equity REAP (HELOC)	6.75%	-	6.75%	60 month draw
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.25%	36 - 60 months
Details APR*: -0.75 Last Updated 10/09/2026 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: 3.23%
New Auto Loan	-	-	4.50%	76 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	4.50%	36 - 60 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 9, 20264.50%▲ from 4.25%* Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	4.50%	36 - 60 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	4.50%	36-48 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	4.75%	76 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 9, 20264.75%▲ from 4.50%* Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	4.75%	36 - 60 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25% Oct 9, 20264.75%▲ from 4.25%* Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	4.75%	76 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	4.75%	36 - 60 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 9, 20264.75%▲ from 4.50%* Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	4.75%	36-48 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 9, 20264.75%▲ from 4.50%* Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	4.75%	60 months
Details APR: -0.75 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.00% → 4.75% ▼ 0.25 pts · high 5.00% / low 4.75% Oct 9, 20264.75%▼ from 5.00%* Sep 22, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	5.00%	76 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 9, 20265.00%▲ from 4.50%* Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	5.00%	36 - 60 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 5.00% ▲ 0.75 pts · high 5.00% / low 4.25% Oct 9, 20265.00%▲ from 4.25%* Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.00%	76 months
Details Additional APR listed for this product: 5.75%. APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 9, 20265.00%▲ from 4.75%* Sep 22, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.00%	36 - 60 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 9, 20265.00%▲ from 4.50%* Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.00%	36-48 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 9, 20265.00%▲ from 4.50%* Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.00%	60 months
Details APR*: -0.5 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	5.25%	76 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50%* Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	5.25%	84 months
Details APR: -0.75 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Sep 22, 20265.25%▼ from 5.50%* Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.25%	76 months
Details Additional APR listed for this product: 6.00%. APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75% Oct 9, 20265.25%▲ from 4.75%* Sep 22, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.25%	36 - 60 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50%* Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.25%	36-48 months
Details Additional APR listed for this product: 5.50%. APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.50% → 5.25% ▼ 0.25 pts · high 5.50% / low 5.25% Oct 9, 20265.25%▼ from 5.50%* Sep 22, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.25%	60 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.00% → 5.25% ▲ 0.25 pts · high 5.25% / low 5.00% Oct 9, 20265.25%▲ from 5.00%* Sep 22, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	5.50%	84 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 5.50% ▼ 0.00 pts · high 5.50% / low 5.25% Oct 9, 20265.50%▲ from 5.25%* Sep 22, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.50%	76 months
Details Additional APR listed for this product: 6.25%. APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.75% → 5.50% ▲ 0.75 pts · high 5.50% / low 4.75% Oct 9, 20265.50%▲ from 4.75%* Sep 22, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.50%	84 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.50%	60 months
Details Additional APR listed for this product: 5.75%. APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00% Oct 9, 20265.50%▲ from 5.00%* Sep 22, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	5.75%	84 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.25% Oct 9, 20265.75%▲ from 5.25%* Sep 22, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	5.75%	84 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50% Oct 9, 20265.75%▲ from 5.50%* Sep 22, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Auto Loan	-	-	6.00%	84 months
Details APR: BASE Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.25% Oct 9, 20266.00%▲ from 5.25%* Sep 22, 20265.25%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	6.00%	84 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 9, 20266.00%▲ from 5.50%* Sep 22, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	6.25%	84 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 5.50% → 6.25% ▲ 0.75 pts · high 6.25% / low 5.50% Oct 9, 20266.25%▲ from 5.50%* Sep 22, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Auto Loans (Cars, Trucks, and Motorcycles)	6.75%	-	6.75%	Up to 110%
Details Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. REAP monthly payment is $150 or 1.5% of outstanding balance, whichever is greater. Rate discount for autopay, membership longevity, and purchase of RMECU GAP Coverage. Up to 110% financing, including tax, title and license fees. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	6.75%	36 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	6.75%	48 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.00%	36 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.00%	48 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.25%	36 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 9, 20267.25%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.25%	48 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 9, 20267.25%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.50%	36 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 9, 20267.50%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Auto Loan	-	-	7.50%	48 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 9, 20267.50%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles Loan	-	6.50%	up to 60 months
Details Model Year: 2024 - 2026 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	6.50%	60 months
Details APR*: -0.75 Last Updated 10/09/2026 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: 3.23%
New Recreational Vehicles Loan	-	6.75%	61 - 84 months
Details Model Year: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Recreational Vehicles (ATVs, UTVs, Campers and Watercraft)	6.75%	6.75%	Up to 100%
Details Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Rate discounts for autopay and membership longevity. Up to 100% financing; including tax, title, and license fees. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	6.75%	72-84 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	6.75%	60 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 9, 20266.75%▲ from 6.50%* Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Vehicles Loan	-	6.75%	up to 60 months
Details Model Year: 2011 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	6.75%	60 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.00%	72-84 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.00%	60 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 9, 20267.00%▲ from 6.50%* Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Vehicles Loan	-	7.00%	61 - 84 months
Details Model Year: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.00%	72-84 months
Details APR*: -0.75 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.00%	60 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75%* Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
New Recreational Vehicles Loan	-	7.25%	85 - 120 months
Details Model Year: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.25%	72-84 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 9, 20267.25%▲ from 6.75%* Sep 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.25%	120 months
Details APR: -0.75 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 7.25% ▼ 0.50 pts · high 7.75% / low 7.25% Sep 22, 20267.25%▼ from 7.75%* Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.25%	60 months
Details APR: BASE Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.50% / low 6.50% Oct 9, 20267.25%▼ from 7.50%* Sep 22, 20267.50%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.25%	72-84 months
Details APR*: -0.5 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.25%	60 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 9, 20267.25%▲ from 6.75%* Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.50%	72-84 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.75% → 7.50% ▼ 0.25 pts · high 7.75% / low 7.50% Oct 9, 20267.50%▼ from 7.75%* Sep 22, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.50%	120 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 7.50% ▼ 0.25 pts · high 7.75% / low 7.25% Oct 9, 20267.50%▲ from 7.25%* Sep 22, 20267.25%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used Recreational Vehicles Loan	-	7.50%	85 - 120 months
Details Model Year: Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.50%	72-84 months
Details APR*: -0.25 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.50%	120 months
Details APR: -0.75 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 7.50% ▼ 0.50 pts · high 8.00% / low 7.50% Oct 9, 20267.50%▼ from 8.00%* Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.50%	60 months
Details APR: BASE Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 9, 20267.50%▲ from 6.75%* Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	7.75%	120 months
Details APR: -0.25 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 7.75% / low 7.25% Oct 9, 20267.75%▲ from 7.25%* Sep 22, 20267.25%▼ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.75%	72-84 months
Details APR*: BASE Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	7.75%	120 months
Details APR: -0.5 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 7.75% ▼ 0.25 pts · high 8.00% / low 7.75% Oct 9, 20267.75%▼ from 8.00%* Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
RV - Watercraft - Powersports Loan	-	8.00%	120 months
Details APR: BASE Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 8.00% → 8.00% ▼ 0.00 pts · high 8.25% / low 8.00% Oct 9, 20268.00%▼ from 8.25%* Sep 22, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	8.00%	120 months
Details APR*: -0.25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Used RV - Watercraft - Powersports Loan	-	8.25%	120 months
Details APR*: BASE Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union Credit Card Rates

Product	Rate	APR
RMECU VISA Credit Card	6.75%	6.75%
Details Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
VISA Platinum	-	8.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
VISA Classic	-	12.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
VISA Secured	-	12.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - Unsecured	6.75%
Details Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Rates listed are lowest possible with qualifying credit score of 651 or higher and eligible rate discounts. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loan	9.15%	12 months
Details Amount: Up to $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loan	9.15%	24 months
Details Amount: Up to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Personal Loan	9.15%	36 months
Details Amount: Up to $15,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

Racine Municipal Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Emergency Loan	6.75%	-	6.75%
Details Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Loan Refi - 10 and 15 Year Terms	6.75%	-	6.75%	10 and 15 Year Terms
Details Rate is equal to the U.S. Prime Rate published in the Wall Street Journal. Current Prime Rate is 6.75%. Real Estate loan rates and terms are subject to change without notice. Please call the credit union for most current rates. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%
Home Loans	6.00%	-	6.00%	10 years Fixed
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.23%

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

Racine Municipal Employees Credit Union’s Texas Ratio fell from 4.57% in Q3 2023 to 3.23% in Q2 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$26M	3.23%	5.0	A+
March 31, 2026	$26M	4.14%	5.0	A+
December 31, 2025	$24M	4.71%	5.0	A+
September 30, 2025	$25M	3.35%	5.0	A+
June 30, 2025	$24M	3.18%	5.0	A+
March 31, 2025	$25M	2.30%	5.0	A+
December 31, 2024	$22M	2.74%	5.0	A+
September 30, 2024	$23M	3.99%	5.0	A+
June 30, 2024	$22M	8.43%	5.0	A
March 31, 2024	$22M	3.87%	5.0	A+
December 31, 2023	$21M	3.48%	5.0	A+
September 30, 2023	$22M	4.57%	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 Racine Municipal Employees 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 Racine Municipal Employees 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 Racine Municipal Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Racine Municipal Employees Credit Union

Website https://rmecu.org

Address 1907 Lathrop Ave, Racine, WI 53405-3706

Phone 262-637-7274

Fax 262-637-0491

President Scott Sharp

CEO Nicole Christensen-Zabler

Full-Time Employees 4

Part-Time Employees 2

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+ (98/100)

Texas Ratio

3.23%

Return on Assets (ROA)

0.6048%

Return on Equity (ROE)

4.7041%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

25,912,616

Total Amount of Shares and Deposits

22,284,431

Total Shares and Deposits < 1 Year

22,253,621

Total Shares and Deposits 1 3 Years

20,085

Total Shares and Deposits > 3 Years

10,725

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

488,518

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

488,518

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

21,795,913

Total Interest Expense (Sum of items 6 8)

88,595

Share Certificates

147

Number of Accounts for Share Drafts

1,028

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,234

All other shares

151

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

156,718

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)

1,195,756

Total Liabilities

22,581,071

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Racine Municipal Employees Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Racine Municipal Employees Credit Union

How many branches does Racine Municipal Employees Credit Union operate?

Racine Municipal Employees 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 Racine Municipal Employees Credit Union?

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

Does Racine Municipal Employees Credit Union offer online and mobile banking?

Most modern institutions like Racine Municipal Employees 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://rmecu.org.