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Rockland Employees Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
Rockland Employees Federal Credit Union's top rates as of October 10, 2026 are 2.75% APY on its 24 Month Term IRA & CD, 0.25% APY on savings, personal loans from 10.99% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other Rockland Employees Federal Credit Union CD rates include 12 Month Term IRA & CD at 2.60%, 60 Month Term IRA & CD at 2.50%, and 36 Month Term IRA & CD at 2.25%. MonitorBankRates evaluates the financial stability of Rockland Employees Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.13%. Rates last updated and verified on 10/10/2026.
Rockland Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Rockland Employees Federal Credit Union? Share your experience about Rockland Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Rockland Employees Federal Credit Union.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 92/100
Overall Health & Safety Grade
Rockland Employees Federal Credit Union has earned an overall safety grade of A- (Very Good, Score: 92/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Rockland Employees Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
15.13%
GoodHigher than avg
Rockland Employees Federal Credit Union Texas Ratio
Rockland Employees Federal Credit Union's Texas Ratio is 15.13%, which is considered good and is higher than the national average of 6.13%.
While Rockland Employees Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Rockland Employees Federal Credit Union Health Trend
12.89% to 15.13% over 12 quarters, worseningFull history
Star Rating 5.0 to 5.0, Health Grade A to A-
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Rockland Employees Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
24 Month Term IRA & CD
2.75%
2.75%
24 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
12 Month Term IRA & CD
2.60%
2.60%
12 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
60 Month Term IRA & CD
2.50%
2.50%
60 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
36 Month Term IRA & CD
2.25%
2.25%
36 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
48 Month Term IRA & CD
2.00%
2.00%
48 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
6 Month Term IRA & CD
0.50%
0.50%
6 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
3 Month Term IRA & CD
0.25%
0.25%
3 months
Min Deposit$1,000
DetailsAPY = Annual Percentage Yield, $1,000.00 Minimum deposit required. A penalty may be imposed for early withdrawal.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union Savings Rates
Product
Rate
APY
View More
Education Club
-
0.25%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Holiday Club
-
0.25%
DetailsThe dividend period is the same as the club period. For example, Nov. 1st to Oct. 31st. If a withdrawal is made before Oct. 31st the account will be closed. If you close your account, you will not receive accrued dividends.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Share (Savings)
-
0.25%
DetailsDuring any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to third party.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Vacation Club
-
0.25%
DetailsThe maximum deposit per year is $25,000. There will be a $5.00 fee for each account withdrawal over 4 per year. All other account terms above apply.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
6.50%
5 Years
DetailsPublished APR range: 6.50% to 9.50%. Rates are based on credit score. Contact the Consumer Loan Manager for closing costs and home equity information.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Home Equity Loan
-
-
6.75%
10 Years
DetailsPublished APR range: 6.75% to 10.00%. Rates are based on credit score. Contact the Consumer Loan Manager for closing costs and home equity information.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Home Equity Loan
-
-
7.25%
15 Years
DetailsPublished APR range: 7.25% to 10.25%. Rates are based on credit score. Contact the Consumer Loan Manager for closing costs and home equity information.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 7.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Home Equity Loan
-
-
7.75%
20 Years
DetailsPublished APR range: 7.75% to 10.50%. Rates are based on credit score. Contact the Consumer Loan Manager for closing costs and home equity information.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 7.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto and Motorcycle Loan
-
-
4.49%
24 Months
DetailsPublished APR range: 4.49% - 11.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Auto and Motorcycle Loan
-
-
4.49%
36 Months
DetailsPublished APR range: 4.49% - 11.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 4.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Auto and Motorcycle Loan
-
-
4.75%
48 Months
DetailsPublished APR range: 4.75% - 12.00%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 4.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Auto and Motorcycle Loan
-
-
4.75%
60 Months
DetailsPublished APR range: 4.75% - 13.00%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 4.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Auto and Motorcycle Loan
-
-
5.49%
24 Months
DetailsPublished APR range: 5.49% - 12.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Auto and Motorcycle Loan
-
-
5.49%
36 Months
DetailsPublished APR range: 5.49% - 12.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Auto and Motorcycle Loan
-
-
5.50%
72 Months
DetailsPublished APR range: 5.50% - 13.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 5.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Auto and Motorcycle Loan
-
-
5.75%
84 Months
DetailsPublished APR range: 5.75% - 13.75%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 5.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Auto and Motorcycle Loan
-
-
5.75%
48 Months
DetailsPublished APR range: 5.75% - 13.00%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 5.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Auto and Motorcycle Loan
-
-
5.75%
60 Months
DetailsPublished APR range: 5.75% - 14.00%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 5.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Auto and Motorcycle Loan
-
-
6.50%
72 Months
DetailsPublished APR range: 6.50% -14.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Auto and Motorcycle Loan
-
-
6.75%
84 Months
DetailsPublished APR range: 6.75% - 14.75%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Boats and RV's Loan
-
10.00%
24 Months
DetailsPublished APR range: 10.00% to 17.75%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Boats and RV's Loan
-
10.25%
36 Months
DetailsPublished APR range: 10.25% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Boats and RV's Loan
-
10.50%
48 Months
DetailsPublished APR range: 10.50% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Boats and RV's Loan
-
10.75%
60 Months
DetailsPublished APR range: 10.75% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Boats and RV's Loan
-
11.00%
72 Months
DetailsPublished APR range: 11.00% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Boats and RV's Loan
-
11.00%
24 Months
DetailsPublished APR range: 11.00% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
New Boats and RV's Loan
-
11.25%
84 Months
DetailsPublished APR range: 11.25% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Boats and RV's Loan
-
11.25%
36 Months
DetailsPublished APR range: 11.25% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Boats and RV's Loan
-
11.50%
48 Months
DetailsPublished APR range: 11.50% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Boats and RV's Loan
-
11.75%
60 Months
DetailsPublished APR range: 11.75% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Boats and RV's Loan
-
12.00%
72 Months
DetailsPublished APR range: 12.00% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Used Boats and RV's Loan
-
12.25%
84 Months
DetailsPublished APR range: 12.25% to 17.99%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Platinum
-
12.99%
DetailsPublished APR range: 12.99% to 17.99%. Annual Percentage Rates are based on credit ratings and term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
VISA Student
-
12.99%
DetailsAnnual Percentage Rates are based on credit ratings and term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
VISA Secured
-
13.99%
DetailsAnnual Percentage Rates are based on credit ratings and term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 13.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loan
10.99%
12 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Unsecured Loan
10.99%
24 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Unsecured Loan
10.99%
36 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Unsecured Loan
10.99%
48 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Unsecured Loan
10.99%
60 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Unsecured Loan
10.99%
72 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Unsecured Loan
10.99%
84 Months
DetailsPublished APR range: 10.99% to 17.99%. Rates are based on Credit ratings, Credit history and Term of loan. Your rate may vary. Rates are subject to change.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Rockland Employees Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Birthday Loan
-
-
17.99%
6-12 months
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 17.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Emergency Loan
-
-
17.99%
12 months
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 17.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Loyalty Loan
-
-
12.00%
12 months
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Coverdell ESA
-
-
0.25%
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Traditional IRA's Roth IRA's
-
-
0.25%
DetailsShare/IRA Certificate will be compounded quarterly and will be credited quarterly.
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A-
Health Grade
◈ Texas Ratio: 15.13%
Financial Health History
Rockland Employees Federal Credit Union’s Texas Ratio rose from 12.89% in Q3 2023 to 15.13% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. 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
$55M
15.13%
5.0
A-
March 31, 2026
$54M
18.00%
4.8
B+
December 31, 2025
$53M
11.92%
5.0
A
September 30, 2025
$54M
10.53%
5.0
A
June 30, 2025
$55M
8.69%
5.0
A
March 31, 2025
$55M
14.09%
5.0
A-
December 31, 2024
$54M
18.00%
4.8
B+
September 30, 2024
$54M
19.18%
4.7
B
June 30, 2024
$57M
17.67%
4.8
B+
March 31, 2024
$56M
17.41%
4.8
B+
December 31, 2023
$56M
16.83%
4.9
A-
September 30, 2023
$57M
12.89%
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 Rockland Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Rockland Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Rockland Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameRockland Employees Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
662,961
Total Uninsured Shares and Deposits > $250K (F+J)
662,961
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,958,685
Total Interest Expense (Sum of items 6 8)
51,148
Share Certificates
33
Number of Accounts for Share Drafts
3,220
IRA KEOGH Accounts
30
Number of Accounts for Regular Shares
7,432
All other shares
284
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)
5,036,115
Total Liabilities
46,222,523
Source: NCUA — Last Updated 06/30/2026
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Rockland Employees Federal Credit Union
How many branches does Rockland Employees Federal Credit Union operate?
Rockland Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Rockland Employees Federal Credit Union?
Yes, to access services at Rockland Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Rockland Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Rockland Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Rockland Employees Federal Credit Union offer online and mobile banking?
Most modern institutions like Rockland Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.refcu.org.
Current Rockland Employees Federal Credit Union Rates
12-Month CD2.60%
24-Month CD2.75%
60-Month CD2.50%
Savings0.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
