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Rave Financial Credit Union Rates and Review January 2026

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Rave Financial Credit Union12-month CD rates can be found at 3.75%, 6-month CD rates at 3.14% and 3-month CD rates at 3.40%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.13%. Credit Card rates are at 14.90%. Personal Loan rates are at 9.50%. All these rates, and more, can be found in our database of rates which you can compare to Rave Financial Credit Union rates.

Compare Rave Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Rave Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

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

Overall, Rave Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Rave Financial Credit Union
Calder Branch
3535 Calder Ave
Beaumont, TX 77706
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
60-Month CD
4.00%
$500
24-Month CD
3.80%
$500
60-Month CD
3.75%
$500
12-Month CD
3.70%
$500
12-Month CD
3.60%
$100
30-Month CD
3.55%
$500
24-Month CD
3.50%
$500
60-Month CD
3.30%
$500
36-Month CD (Step-Up)
3.29%
$10,000
18-Month CD
3.25%
$100
23-Month CD
3.25%
$1,000
60-Month CD
3.25%
$500
24-Month CD
3.20%
$1,500
60-Month CD
3.00%
$500
18-Month CD
2.90%
$1,000
24-Month CD
2.79%
$2,500
6-Month CD
2.53%
$1,000
36-Month CD
2.35%
$1,000
12-Month CD
2.32%
$500
12-Month CD
2.03%
$1,000
60-Month CD
2.02%
$1,000
12-Month CD
2.00%
$1,000
36-Month CD
2.00%
$500
36-Month CD
1.81%
$500
36-Month CD
1.50%
$2,000
36-Month CD
1.38%
$1,000
High Yield Checking
1.00%
$100
48-Month CD
0.95%
$500
Kasasa Savings
0.75%
$0
36-Month CD
0.50%
$500
Passbook Savings
0.50%
$0
Kasasa Savings
0.50%
$100
48-Month CD
0.50%
$1,000
48-Month CD
0.50%
$1,000
48-Month CD
0.50%
$500
48-Month CD
0.45%
$500
36-Month CD
0.40%
$500
Passbook Savings
0.40%
$0
36-Month CD
0.35%
$500
Money Market
0.35%
$2,500
Prestige Interest Checking
0.30%
$0
Statement Savings
0.20%
$50
Savings
0.15%
$1
Money Market
0.15%
$1
6-Month CD
0.10%
$500
Regular Savings
0.10%
$100
Business Money Market
0.10%
$1,000
Savings
0.10%
$100
Business Savings
0.05%
$100
Money Market
0.03%
$2,500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
15-Year Fixed
5.750%
6.044%
0.000
15 Year Fixed
5.375%
5.588%
0.000
6.000%
6.174%
0.000
5.750%
5.801%
0.000
5.000%
5.886%
0.000
30-Year Fixed Jumbo
6.125%
6.265%
1.000
5.875%
6.099%
0.000
30 Year Fixed
5.625%
5.704%
0.250
10-Year Fixed
5.375%
5.473%
0.000
6.000%
6.123%
0.000
6.000%
6.160%
0.000
5.875%
6.023%
0.000
5.375%
5.639%
0.250
5.990%
5.199%
0.000
30-Year (Jumbo)
6.000%
6.011%
0.000
5.750%
5.758%
0.000
15 Year Fixed Jumbo
5.250%
5.290%
0.000
5.875%
6.091%
0.000
15-Year Fixed
5.375%
5.490%
0.125
5.375%
5.565%
1.000
5.500%
5.786%
2.280
5.875%
6.023%
0.000
4.875%
5.172%
1.125
6.000%
6.035%
0.375
20-Year Fixed
5.750%
5.870%
0.000
30 Year Fixed
6.000%
6.130%
0.000
5.750%
5.849%
0.000
6.375%
6.662%
0.000
6.125%
6.326%
0.000
5.375%
5.999%
0.000
5.125%
5.421%
0.000
30-Year Fixed
5.625%
5.658%
0.000
4.875%
5.754%
0.000
15-Year Fixed
5.500%
5.546%
0.000
15-Year Fixed
5.375%
5.660%
0.000
20 Year Fixed
7.125%
7.527%
0.000
6.125%
6.320%
0.000
5-Year ARM Jumbo
5.250%
4.635%
0.000
5.625%
5.899%
0.000
5.500%
5.500%
0.000
30-Year Fixed
6.000%
6.068%
0.000
5.375%
6.220%
0.000
20-Year Fixed
5.000%
5.294%
2.000
5/1 Adjustable
5.875%
6.234%
0.000
15-Year Fixed
5.750%
5.943%
0.000
5/1 ARM (Jumbo)
6.500%
6.546%
0.000
5.875%
5.933%
0.000
5.500%
6.086%
0.000
6.125%
6.526%
0.000
30-Year Fixed (Jumbo)
5.875%
5.931%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
VISA® Credit Cards
7.990%
Platinum Visa
15.350%
Visa Crimson Card
13.240%
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Academic VISA® Classic
15.400%
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
Rewards Student Classic
16.500%
Credit Limit - $500
Visa Secure Card
13.740%
Visa Signature® Rewards
17.750%
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
Member First VISA
15.040%
No balance transfer fees or annual fees.
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
VISA Traditional
14.240% - 18.000%
13.900%
Visa Classic Card
12.900%
No annual fee
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
VISA Platinum with Rewards
8.900%
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Visa Platinum with Rewards
9.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
Personal Loan
11.760%
$0
Personal Loans
13.250%
$0
6184
9.900%
$0
12.740%
$0
36
13.240%
$0 - $2,000
36 - 36
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
7.750% - 16.750%
$0
1 - 36
11.990%
$0
9.490%
$0
48 - 48
14.990%
$0
25 - 36
10.990%
$0 - $10,000
60 - 60
13.450%
$0
9.200% - 17.950%
$0 - $2,500
36 - 36
9.200% - 17.950%
$0 - $500
48 - 48
11.740% - 17.990%
$0
Signature Loan
10.500%
$0
10.000%
$0
60
13.240%
$0
48
9.200% - 17.950%
$0 - $15,000
60 - 60
10.990%
$500
36
8.500%
$0 - $6,000
42
Personal Loan Rates
5.740%
$0
1 - 36
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
New Signature Loans
8.990%
$0
Personal Signature Loans
14.000%
$0
60
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Rave Financial Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Rave Financial Credit Union
Full Time Employees: 278
Part Time Employees: 2
President: Gary Waldrop
CEO: John Doucet
Branch Locations: 14
ATM Locations: 14
Corporate Office Address:
3535 Calder Ave
Beaumont, TX 77706
Phone Number: 409-892-1111
Fax Number:

Financials

Total Assets:
1,164,372,684
Total Amount of Shares and Deposits:
896,598,590
Total Shares and Deposits < 1 Year:
871,947,818
Total Shares and Deposits 1 3 Years:
16,242,609
Total Shares and Deposits > 3 Years:
8,408,163
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
72,096,315
Total Uninsured Shares and Deposits > $250K (F+J):
72,096,315
Total Insured Shares and Deposits > $250K (item 17 less item K):
824,502,275
Total Interest Expense (Sum of items 6 8):
13,160,302
Share Certificates:
4,203
Number of Accounts for Share Drafts:
60,554
IRA KEOGH Accounts:
1,182
Number of Accounts for Regular Shares:
87,836
All other shares:
952
Non Member Deposits:
196
Money Market Shares:
3,378
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
39,894,362
Total Liabilities:
1,014,136,509
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Rave Financial Credit Union

Is a member application needed to join Rave Financial Credit Union?

Yes, to access services at Rave Financial Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Rave Financial Credit Union provides a range of mortgage and home equity products.

Is Rave Financial Credit Union a safe place to deposit money?

Yes, Rave Financial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Rave Financial Credit Union offer online and mobile banking?

Most modern institutions like Rave Financial Credit Union provide digital access including online balance checks and transfers.

Current Rave Financial Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions