What are the current interest rates at Rio Grande Credit Union?

Current rates for Rio Grande Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 4.02%, 24-Month CD: 3.51%, 60-Month CD: 3.35%, Savings: 0.10%

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Rio Grande Credit Union

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Rio Grande Credit Union Rates & Review September 2026

Q: How many branches does Rio Grande Credit Union operate?

Rio Grande 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 Rio Grande Credit Union?

Yes, to access services at Rio Grande 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, Rio Grande 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

Rio Grande Credit Union's 25 Month IRA CD rates are at 4.13%, 25 Month CD rates are at 4.13%, 18 Month IRA CD rates are at 4.02%, 18 Month CD rates are at 4.02%, 24 Month IRA CD rates are at 3.51%. Rio Grande Credit Union's savings rates are at 0.10%. Rio Grande Credit Union's Personal Loan Rates are as low as 9.99%. Rio Grande Credit Union's Credit Card Rates are at 12.24%. MonitorBankRates evaluates the financial stability of Rio Grande Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.22%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 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

5.22%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Rio Grande Credit Union
Lomas

10001 Lomas Blvd NE
Albuquerque, NM 87112

https://riograndecu.org

Rio Grande Credit Union CD Rates

Product	Rate	APY	Term
25 Month IRA Share Certificate	4.05%	4.13%	25 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
25 Month Share Certificate	4.05%	4.13%	25 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
18 Month IRA Share Certificate	3.95%	4.02%	18 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
18 Month Share Certificate	3.95%	4.02%	18 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
24 Month IRA Share Certificate	3.45%	3.51%	24 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
24 Month Share Certificate	3.45%	3.51%	24 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
12 Month IRA Share Certificate	3.40%	3.45%	12 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
12 Month Share Certificate	3.40%	3.45%	12 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
36 Month IRA Share Certificate	3.35%	3.40%	36 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
36 Month Share Certificate	3.35%	3.40%	36 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
6 Month IRA Share Certificate	3.35%	3.40%	6 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
6 Month Share Certificate	3.35%	3.40%	6 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
48 Month IRA Share Certificate	3.30%	3.35%	48 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
48 Month Share Certificate	3.30%	3.35%	48 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
60 Month IRA Share Certificate	3.30%	3.35%	60 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
60 Month Share Certificate	3.30%	3.35%	60 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
3 Month IRA Share Certificate	3.25%	3.30%	3 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
3 Month Share Certificate	3.25%	3.30%	3 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union Savings Rates

Product	Rate	APY
CU Succeed Savings	3.00%	3.04%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 - $499.99; All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Youth Savings Account	3.00%	3.04%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 - $499.99; Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Investors Club Account	1.52%	1.53%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 & More; Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Investors Club Account	1.50%	1.51%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Investors Club Account	1.50%	1.51%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Christmas Club	1.00%	1.00%
Min Deposit $5 Min Balance $25 Details Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Rainy Day Club	1.00%	1.00%
Min Deposit $5 Min Balance $25 Details Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Vacation Club	1.00%	1.00%
Min Deposit $5 Min Balance $25 Details Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Roth IRA Savings	0.60%	0.60%
Min Deposit $0 Min Balance $25 Details Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Traditional IRA Savings	0.60%	0.60%
Min Deposit $0 Min Balance $25 Details Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
CU Succeed Savings	0.50%	0.50%
Min Deposit $5 Min Balance $500 Details Balance: $500.00 and Greater; All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Prosperity Kids Savings	0.50%	0.50%
Min Deposit $5 Min Balance $25 Details Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Youth Savings Account	0.50%	0.50%
Min Deposit $5 Min Balance $500 Details Balance: $500.00 and Greater; Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Investors Club Account	0.25%	0.25%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Primary Savings	0.15%	0.15%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 and Above; All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Secondary Savings	0.15%	0.15%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000 and Above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $25 Details Balance: $25.00 - $999.99; All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Secondary Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 - $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union Checking Rates

Product	Rate	APY
Zia Checking	-	0.50%
Min Balance $0 Details Balance: Less than $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Zia Checking	-	0.50%
Min Balance $500 Details Balance: $500 - $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Zia Checking	-	0.50%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Zia Checking	-	0.50%
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: 5.22%
Zia Checking	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Zia Checking	-	0.50%
Min Balance $50,000 Details Balance: $50,000.00 and Above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
CU Succeed Checking	0.20%	0.20%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 and Greater; Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.75%	120 Months
Details As low as; Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Closed End Home Equity Loan is a fixed rate loan. APR quoted for loan amounts 80% LTV and loan accounts up to $149,999. Call for APR on loans of $150,000 or more. Borrower is responsible for homeowners insurance and, if required, flood insurance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Home Equity Loan	-	-	7.00%	180 Months
Details As low as; Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Closed End Home Equity Loan is a fixed rate loan. APR quoted for loan amounts 80% LTV and loan accounts up to $149,999. Call for APR on loans of $150,000 or more. Borrower is responsible for homeowners insurance and, if required, flood insurance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Home Equity Lines of Credit	-	-	7.25%	240 Months
Details As Low As; The index is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal on the 15th of the month for the preceding three months and is subject to change monthly. The index is 6.75% as of 9/18/2025. Your home equity line of credit rate may change monthly as stated in your Mortgage Disclosure. The maximum rate that can be charged on a home equity line of credit is 18.00% APR. There are no application fees. Loans are subject to a loan origination fee of $250. Borrower is responsible for homeowners insurance and, if required, flood insurance. Please consult your tax advisor about the deductibility of interest. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Home Equity Loan	-	-	7.75%	240 Months
Details As low as; Rates are subject to change without notice. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Closed End Home Equity Loan is a fixed rate loan. APR quoted for loan amounts 80% LTV and loan accounts up to $149,999. Call for APR on loans of $150,000 or more. Borrower is responsible for homeowners insurance and, if required, flood insurance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.95%	36 Months
Details As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Vehicle Loan	-	-	5.65%	48 Months
Details As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Vehicle Loan	-	-	5.75%	65 Months
Details As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Vehicle Loan	-	-	5.85%	75 Months
Details As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Vehicle Loan	-	-	6.05%	84 Months
Details As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	8.52%	36 Months
Details As low as; Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Motorcycle Loan	-	8.77%	48 Months
Details As low as; Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Motorcycle Loan	-	9.02%	60 Months
Details As low as; Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Motorcycle Loan	-	9.27%	72 Months
Details As low as; Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Motorcycle Loan	-	9.77%	84 Months
Details As low as; Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Rewards	-	12.24%
Details This APR will vary with the market based on the Prime Rate. Earn rewards on purchases. No annual fee, no balance transfer fee, no cash advance fee.; APR range: 12.24% APR - 17.99% APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

Rio Grande Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	9.99%	12 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Signature Loans	9.99%	24 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Signature Loans	10.75%	36 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Signature Loans	11.50%	48 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Signature Loans	12.50%	60 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Signature Loans	14.24%	72 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%
Signature Loans	14.74%	84 Months
Details As low as; Actual interest rate charged is based on credit history and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.22%

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

Rio Grande Credit Union’s Texas Ratio rose from 4.09% in Q2 2023 to 5.22% in Q1 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 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
March 31, 2026	$666M	5.22%	5.0	A+
December 31, 2025	$653M	7.83%	5.0	A
September 30, 2025	$660M	9.53%	5.0	A
June 30, 2025	$663M	8.83%	5.0	A
March 31, 2025	$677M	8.68%	5.0	A
December 31, 2024	$677M	8.79%	5.0	A
September 30, 2024	$663M	9.20%	5.0	A
June 30, 2024	$634M	6.58%	5.0	A
March 31, 2024	$625M	6.65%	5.0	A
December 31, 2023	$612M	6.09%	5.0	A
September 30, 2023	$621M	5.01%	5.0	A+
June 30, 2023	$614M	4.09%	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 Rio Grande 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 Rio Grande 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 Rio Grande Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rio Grande Credit Union

Website https://riograndecu.org

Address 10001 Lomas Blvd NE, Albuquerque, NM 87112

Phone 505-262-1401

Fax

President Mark Sanchez

CEO Tony Dees

Full-Time Employees 157

Part-Time Employees 0

Branch Locations 7

ATM Locations 7

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

5.22%

Return on Assets (ROA)

0.0876%

Return on Equity (ROE)

0.9838%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

665,904,564

Total Amount of Shares and Deposits

607,071,729

Total Shares and Deposits < 1 Year

563,711,928

Total Shares and Deposits 1 3 Years

40,270,979

Total Shares and Deposits > 3 Years

3,088,824

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

29,651,980

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

29,651,980

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

577,419,749

Total Interest Expense (Sum of items 6 8)

3,139,335

Share Certificates

4,649

Number of Accounts for Share Drafts

35,027

IRA KEOGH Accounts

1,129

Number of Accounts for Regular Shares

54,019

All other shares

2,834

Non Member Deposits

Money Market Shares

2,946

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

583,339

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)

124,405,659

Total Liabilities

614,786,332

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Rio Grande Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Rio Grande Credit Union

How many branches does Rio Grande Credit Union operate?

Rio Grande 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 Rio Grande Credit Union?

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

Does Rio Grande Credit Union offer online and mobile banking?

Most modern institutions like Rio Grande 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://riograndecu.org.

Current Rio Grande Credit Union Rates

12-Month CD3.45%
18-Month CD4.02%
24-Month CD3.51%
60-Month CD3.35%
Savings0.10%

Retrieved from our database of financial products. Rates subject to change.

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Rio Grande Credit Union Rates & Review September 2026

Brian McKay

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Financial Health History

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Credit Union Profile & Overview

Financials

Rio Grande Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Rio Grande Credit Union

How many branches does Rio Grande Credit Union operate?

Is a member application needed to join Rio Grande Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Rio Grande Credit Union offer online and mobile banking?

Current Rio Grande Credit Union Rates

Compare to Other Credit Unions