What are the current interest rates at Rave Financial Credit Union?

Current rates for Rave Financial Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.50%, Savings: 0.20%, MMA: 0.40%

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Rave Financial Credit Union

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Rave Financial Credit Union Rates & Review September 2026

Q: 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. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rave Financial 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

Rave Financial Credit Union's Business Term Deposit -12 month rates are at 4.00%, Business Term Deposit -6 month rates are at 4.00%, Minor Term Deposit -6 month rates are at 4.00%, Term Deposit -12 month rates are at 4.00%, Term Deposit -6 month rates are at 4.00%. Rave Financial Credit Union's savings rates are at 0.20%. Rave Financial Credit Union's money market rates are at 0.40%. Rave Financial Credit Union's Personal Loan Rates are as low as 10.25%. MonitorBankRates evaluates the financial stability of Rave Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.09%. Rates last updated and verified on 09/22/2026.

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 money market rates and 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.

Verified Healthy 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

3.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Rave Financial Credit Union
Calder Branch

3535 Calder Ave
Beaumont, TX 77706

https://www.bankwithrave.com

Rave Financial Credit Union CD Rates

Product	Rate	APY	Term
Business Term Deposit -12 month	3.93%	4.00%	12 Months
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -6 month	3.93%	4.00%	6 Months
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Minor Term Deposit -6 month	3.93%	4.00%
Min Deposit $250 Min Balance $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -12 month	3.93%	4.00%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -6 month	3.93%	4.00%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -18 month	3.45%	3.50%	18 Months
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -24 month	3.45%	3.50%	24 Months
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -3 Years	3.45%	3.50%	3 Years
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -4 Years	3.45%	3.50%	4 Years
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -5 Years	3.45%	3.50%	5 Years
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -18 month	3.45%	3.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -24 month	3.45%	3.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -3 Years	3.45%	3.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -4 Years	3.45%	3.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -5 Years	3.45%	3.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Term Deposit -3 month	2.47%	2.50%	3 Months
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Term Deposit -3 month	2.47%	2.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Rave Financial Credit Union Savings Rates

Product	Rate	APY
Statement Savings	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Statement Savings	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Statement Savings	0.40%	0.40%
Min Balance $0 Details Balance: $0.00 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Savings	0.20%	0.20%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
IRA Savings Account	0.20%	0.20%
Min Deposit $25 Min Balance $500 Details Balances $500.00 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Savings Account	0.20%	0.20%
Min Deposit $25 Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Savings Account	0.20%	0.20%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Rave Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Money Market Account	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Money Market Account	0.40%	0.40%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Rave Financial Credit Union Checking Rates

Product	Rate	APY
Business Checking Account	5.94%	6.10%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.00 to $35,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Checking Account	5.94%	6.10%
Min Deposit $25 Min Balance $1,000 Details Balance: Balances $1,000.00 to $35,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Smart Plus Checking account	-	6.10%
Min Balance $1,000 Details APY is Annual Percentage Yield. Account dividends are calculated daily on end of day balance, paid out monthly. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors. $35,000.01 and up earns .50% APY. Terms and conditions subject to change. See our Truth in Savings Disclosure here . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Smart Plus Checking account	-	0.50%
Min Balance $35,000 Details APY is Annual Percentage Yield. Account dividends are calculated daily on end of day balance, paid out monthly. Rates quoted and corresponding APY's are based on the last paid dividend rates and are subject to change monthly without notice and at the discretion of the Board of Directors. Rave Checking or Business Plus Checking balances of $1,000.00 - $35,000.00 earns 6.10% APY. Terms and conditions subject to change. See our Truth in Savings Disclosure here . Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Rave Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.25%	60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Rave Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Flexible Line of Credit (Variable)	-	-	11.75%
Details Published APR range: 11.75% - 17.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	6.00%	24 Months
Details Additional APR listed for this product: 8.00%, 8.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	6.00%	36 Months
Details Additional APR listed for this product: 8.00%, 8.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	6.00%	48 Months
Details Additional APR listed for this product: 8.00%, 8.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	6.75%	60 Months
Details Additional APR listed for this product: 8.75%, 9.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	7.00%	66 Months
Details Additional APR listed for this product: 9.00%, 9.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	7.25%	72 Months
Details Additional APR listed for this product: 9.25%, 10.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	7.50%	78 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	7.50%	84 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	7.75%	120 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	8.00%	144 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New & Used Loan	-	-	8.25%	180 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
Business Share Certificates	0.20%	-	0.20%
Min Deposit $5,000 Min Balance $500 Details Balance: $500.00 and Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

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

Rave Financial Credit Union’s Texas Ratio rose from 2.55% in Q2 2023 to 3.09% 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	$1.3B	3.09%	5.0	A+
December 31, 2025	$1.2B	4.31%	5.0	A+
September 30, 2025	$1.2B	3.47%	5.0	A+
June 30, 2025	$1.1B	2.60%	5.0	A+
March 31, 2025	$1.1B	2.57%	5.0	A+
December 31, 2024	$1.1B	3.61%	5.0	A+
September 30, 2024	$1.1B	3.13%	5.0	A+
June 30, 2024	$1.1B	2.62%	5.0	A+
March 31, 2024	$1.1B	2.86%	5.0	A+
December 31, 2023	$1.1B	4.13%	5.0	A+
September 30, 2023	$1.1B	2.94%	5.0	A+
June 30, 2023	$1.1B	2.55%	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 Rave Financial 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 Rave Financial 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 Rave Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rave Financial Credit Union

Website https://www.bankwithrave.com

Address 3535 Calder Ave, Beaumont, TX 77706

Phone 409-892-1111

Fax

President Gary Waldrop

CEO John Doucet

Full-Time Employees 272

Part-Time Employees 5

Branch Locations 14

ATM Locations 14

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

3.09%

Return on Assets (ROA)

0.1829%

Return on Equity (ROE)

1.4800%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

1,255,635,108

Total Amount of Shares and Deposits

994,964,375

Total Shares and Deposits < 1 Year

975,487,960

Total Shares and Deposits 1 3 Years

12,216,061

Total Shares and Deposits > 3 Years

7,260,353

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

75,108,937

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

75,108,937

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

919,855,438

Total Interest Expense (Sum of items 6 8)

5,247,195

Share Certificates

4,644

Number of Accounts for Share Drafts

61,333

IRA KEOGH Accounts

1,193

Number of Accounts for Regular Shares

91,167

All other shares

881

Non Member Deposits

364

Money Market Shares

3,411

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)

78,229,431

Total Liabilities

1,100,460,876

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Rave Financial Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Rave Financial Credit Union

How many branches does Rave Financial Credit Union operate?

Rave Financial 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 Rave Financial Credit Union?

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

Does Rave Financial Credit Union offer online and mobile banking?

Most modern institutions like Rave Financial 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.bankwithrave.com.