What are the current interest rates at Roswell Community Federal Credit Union?

Current rates for Roswell Community Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 3.35%, Savings: 0.50%, MMA: 1.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Roswell Community Federal Credit Union

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Roswell Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Roswell Community Federal 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 12, 2026

Roswell Community Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on its CD of Deposit (CD) - 12 month, 0.50% APY on savings, 1.00% APY on money market accounts, and personal loans from 10.75% APR, according to rates verified by MonitorBankRates. Other Roswell Community Federal Credit Union CD rates include CD of Deposit (CD) - 36 month at 3.50%, CD of Deposit (CD) - 24 month at 3.35%, and CD of Deposit (CD) - 18 month at 3.25%. MonitorBankRates evaluates the financial stability of Roswell Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.62%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

5.62%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Roswell Community Federal Credit Union
Main Office

2514 N Main St
Roswell, NM 88201

https://www.roswellcu.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.

Roswell Community Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit (CD) - 12 month	3.50%	3.50%	12 Months
Min Balance $2,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Certificate of Deposit (CD) - 36 month	3.50%	3.50%	36 Months
Min Balance $2,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Certificate of Deposit (CD) - 24 month	3.35%	3.35%	24 Months
Min Balance $2,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Certificate of Deposit (CD) - 18 month	3.25%	3.25%	18 Months
Min Balance $2,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Certificate of Deposit (CD) - 6 month	2.50%	2.50%	6 Months
Min Balance $2,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Certificate of Deposit (CD) - 3 month	2.00%	2.00%	3 Months
Min Balance $2,000 Details Early Withdrawal Penalty: 90 Days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Roswell Community Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club Savings	0.50%	0.50%
Details No minimum to open, check mailed on November 1st Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Roswell Community Federal Credit Union Checking Rates

Product	Rate	APY	View More
Money Market Checking	-	1.00%
Min Balance $2,500 Details Balance: over $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Roswell Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles 2025-2026	5.19%	-	5.19%	0 - 36 Months
Details Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026 Never Titled Loan	-	-	5.19%
Details As Low As; Effective November 25, 2025; Terms of 72-75 Months require a minimum financed amount of $20,000; Terms of 76-84 Months require a minimum financed amount of $25,000; Used Vehicles 2023-2025 same as above - Up to 84 Months; Used Vehicles 2019-2022 add 0.50% - Up to 75 Months; Used Vehicles 2018 & Older add 1.00% - Up to 60 Months; All Vehicles Over 100,000 miles add 2.00% - Up to 60 months, Maximum 125,000 miles Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.39%	-	5.39%	37 - 48 Months
Details Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.59%	-	5.59%	0 - 36 Months
Details Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.59%	-	5.59%	49 - 66 Months
Details Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.79%	-	5.79%	37 - 48 Months
Details Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.79%	-	5.79%	67 - 75 Months
Details Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.99%	-	5.99%	49 - 66 Months
Details Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	5.99%	-	5.99%	76 - 84 Months
Details Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	6.29%	-	6.29%	67 - 75 Months
Details Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	6.49%	-	6.49%	76 - 84 Months
Details Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	6.59%	-	6.59%	0 - 36 Months
Details Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	6.69%	-	6.69%	37 - 48 Months
Details Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	6.89%	-	6.89%	49 - 66 Months
Details Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	7.09%	-	7.09%	67 - 75 Months
Details Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	7.29%	-	7.29%	76 - 84 Months
Details Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	8.39%	-	8.39%	0 - 36 Months
Details Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	8.59%	-	8.59%	37 - 48 Months
Details Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	8.79%	-	8.79%	49 - 66 Months
Details Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	8.99%	-	8.99%	67 - 75 Months
Details Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	9.19%	-	9.19%	76 - 84 Months
Details Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	10.99%	-	10.99%	0 - 36 Months
Details Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	11.19%	-	11.19%	37 - 48 Months
Details Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	11.39%	-	11.39%	49 - 66 Months
Details Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	11.59%	-	11.59%	67 - 75 Months
Details Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	11.79%	-	11.79%	76 - 84 Months
Details Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	15.49%	-	15.49%	0 - 36 Months
Details Tier: E; Maximum Debt Ratio: 38%; Maximum LTV: 85%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	15.99%	-	15.99%	37 - 48 Months
Details Tier: E; Maximum Debt Ratio: 38%; Maximum LTV: 85%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	16.49%	-	16.49%	49 - 66 Months
Details Tier: E; Maximum Debt Ratio: 38%; Maximum LTV: 85%; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
New Vehicles 2025-2026	16.99%	-	16.99%	67 - 75 Months
Details Tier: E; Maximum Debt Ratio: 38%; Maximum LTV: 85%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Roswell Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles, Trailers New and Used - 36 months Loan	-	6.50%	36 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 36 months Loan	-	6.75%	36 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 48 months Loan	-	7.00%	48 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	7.50%	36 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 48 months Loan	-	7.50%	48 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 60 months Loan	-	7.50%	60 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	7.75%	36 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	7.75%	48 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 36 months Loan	-	7.75%	36 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 60 months Loan	-	7.75%	60 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 72 months Loan	-	7.75%	72 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.00%	48 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.00%	60 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 72 months Loan	-	8.00%	72 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.25%	60 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.25%	72 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 48 months Loan	-	8.25%	48 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 84 months Loan	-	8.25%	84 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.50%	72 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 60 months Loan	-	8.50%	60 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 84 months Loan	-	8.50%	84 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.75%	36 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	8.75%	84 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 72 months Loan	-	8.75%	72 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 96 months Loan	-	8.75%	96 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	9.00%	48 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 108 months Loan	-	9.00%	108 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 96 months Loan	-	9.00%	96 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	9.25%	84 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 108 months Loan	-	9.25%	108 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 84 months Loan	-	9.25%	84 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	9.50%	60 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 120 months Loan	-	9.50%	120 months
Details Credit Grade: A+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 96 months Loan	-	9.50%	96 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	9.75%	72 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 108 months Loan	-	9.75%	108 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 120 months Loan	-	9.75%	120 months
Details Credit Grade: A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 36 months Loan	-	9.75%	36 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 48 months Loan	-	10.00%	48 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	10.25%	84 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 120 months Loan	-	10.25%	120 months
Details Credit Grade: B Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 60 months Loan	-	10.25%	60 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	10.50%	36 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 72 months Loan	-	10.50%	72 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	10.75%	48 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 84 months Loan	-	10.75%	84 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	11.00%	60 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 96 months Loan	-	11.25%	96 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	11.50%	72 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 108 months Loan	-	11.50%	108 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	12.25%	84 months
Details Credit Grade: C Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	13.50%	36 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 36 months Loan	-	13.50%	36 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	14.00%	48 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 14.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 48 months Loan	-	14.00%	48 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	14.50%	60 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 60 months Loan	-	14.50%	60 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	15.00%	72 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 72 months Loan	-	15.00%	72 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	15.50%	84 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 36 months Loan	-	15.50%	36 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 84 months Loan	-	15.50%	84 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 48 months Loan	-	15.75%	48 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 96 months Loan	-	15.75%	96 months
Details Credit Grade: D Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 60 months Loan	-	16.00%	60 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	16.50%	36 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 72 months Loan	-	16.50%	72 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	17.00%	48 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 17.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 84 months Loan	-	17.00%	84 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	17.50%	60 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 17.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Recreational Vehicles, Trailers New and Used - 96 months Loan	-	17.50%	96 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 17.50% → 17.50% ▼ 0.00 pts · high 17.50% / low 15.75% Sep 20, 202617.50%▲ from 15.75% Sep 18, 202615.75%▼ from 17.50% Sep 14, 202617.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Motorcycles, ATV, Side by side, Watercraft New and Used Loan	-	18.00%	72 months
Details Credit Grade: E Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Roswell Community Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	10.75%	24 months
Details Credit Grade: A+; Max Loan: up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	11.00%	36 months
Details Credit Grade: A+; Max Loan: up to $6,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	11.25%	48 months
Details Credit Grade: A+; Max Loan: up to $8,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	11.75%	48 months
Details Credit Grade: A+; Max Loan: up to $12,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	12.00%	60 months
Details Credit Grade: A+; Max Loan: up to $16,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	12.00%	36 months
Details Credit Grade: A; Max Loan: up to $6,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	12.50%	60 months
Details Credit Grade: A+; Max Loan: up to $24,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	12.50%	24 months
Details Credit Grade: A; Max Loan: up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	13.00%	48 months
Details Credit Grade: A; Max Loan: up to $8,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	13.25%	48 months
Details Credit Grade: A; Max Loan: up to $12,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	13.50%	60 months
Details Credit Grade: A; Max Loan: up to $16,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	14.75%	24 months
Details Credit Grade: B; Max Loan: up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	15.50%	36 months
Details Credit Grade: B; Max Loan: up to $6,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	16.00%	48 months
Details Credit Grade: B; Max Loan: up to $8,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	16.50%	48 months
Details Credit Grade: B; Max Loan: up to $12,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	17.00%	24 months
Details Credit Grade: C; Max Loan: up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	17.25%	36 months
Details Credit Grade: C; Max Loan: up to $6,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	17.50%	48 months
Details Credit Grade: C; Max Loan: up to $8,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	17.50%	24 months
Details Credit Grade: D; Max Loan: up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	17.75%	36 months
Details Credit Grade: D; Max Loan: up to $6,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
Signature Loans	18.00%	24 months
Details Credit Grade: E; Max Loan: up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

Roswell Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
O/D Protection Loans	-	-	16.00%
Details Credit Grade: A+; Limits: $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 16.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
O/D Protection Loans	-	-	18.00%
Details Credit Grade: C; Limits: $300 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 18.00% → 18.00% ▼ 0.00 pts · high 18.00% / low 16.00% Oct 12, 202618.00%▲ from 16.00% Sep 18, 202616.00%▼ from 18.00% Sep 14, 202618.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
IRA's	-	-	0.50%
Min Balance $25 Details Balance: $25.00 - $9,999.99; Offered: Traditional, Education, and Roth IRA's Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
IRA's	-	-	0.55%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Offered: Traditional, Education, and Roth IRA's Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
IRA's	-	-	0.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Offered: Traditional, Education, and Roth IRA's Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
IRA's	-	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Offered: Traditional, Education, and Roth IRA's Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%
IRA's	-	-	0.85%
Min Balance $100,000 Details Balance: $100,000.00 and up; Offered: Traditional, Education, and Roth IRA's Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.62%

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

Roswell Community Federal Credit Union’s Texas Ratio rose from 3.91% in Q3 2023 to 5.62% in Q2 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
June 30, 2026	$50M	5.62%	5.0	A+
March 31, 2026	$50M	2.26%	5.0	A+
December 31, 2025	$50M	2.91%	5.0	A+
September 30, 2025	$49M	3.94%	5.0	A+
June 30, 2025	$50M	2.52%	5.0	A+
March 31, 2025	$50M	2.75%	5.0	A+
December 31, 2024	$47M	8.59%	5.0	A
September 30, 2024	$47M	6.63%	5.0	A
June 30, 2024	$45M	3.62%	5.0	A+
March 31, 2024	$45M	0.69%	5.0	A+
December 31, 2023	$44M	4.74%	5.0	A+
September 30, 2023	$43M	3.91%	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 Roswell Community 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 Roswell Community 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 Roswell Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Roswell Community Federal Credit Union

Website https://www.roswellcu.org

Address 2514 N Main St, Roswell, NM 88201

Phone 575-623-7788

Fax 575-622-2340

President Carol Smith

CEO Karen Griffo

Full-Time Employees 8

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

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

5.62%

Return on Assets (ROA)

1.2935%

Return on Equity (ROE)

7.6889%

Non-Performing Loans Ratio (NPL)

1.39%

Total Assets

50,263,041

Total Amount of Shares and Deposits

39,935,236

Total Shares and Deposits < 1 Year

37,773,304

Total Shares and Deposits 1 3 Years

2,161,932

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

5,353,799

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

5,353,799

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

34,581,437

Total Interest Expense (Sum of items 6 8)

376,036

Share Certificates

257

Number of Accounts for Share Drafts

1,473

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,562

Non Member Deposits

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)

8,188,301

Total Liabilities

40,256,228

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Roswell Community Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Roswell Community Federal Credit Union

How many branches does Roswell Community Federal Credit Union operate?

Roswell Community 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 Roswell Community Federal Credit Union?

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

Does Roswell Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Roswell Community 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.roswellcu.org.

Current Roswell Community Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.35%
Savings0.50%
MMA1.00%

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

Compare to Other Credit Unions

Roswell Community Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Roswell Community Federal Credit Union Texas Ratio

Roswell Community Federal Credit Union Health Trend

Roswell Community Federal Credit Union CD Rates

Roswell Community Federal Credit Union Savings Rates

Roswell Community Federal Credit Union Checking Rates

Roswell Community Federal Credit Union Auto Loan Rates

Roswell Community Federal Credit Union RV, Boat and Powersport Loan Rates

Roswell Community Federal Credit Union Personal Loan Rates

Roswell Community Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Roswell Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Roswell Community Federal Credit Union

How many branches does Roswell Community Federal Credit Union operate?

Is a member application needed to join Roswell Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Roswell Community Federal Credit Union offer online and mobile banking?

Current Roswell Community Federal Credit Union Rates

Compare to Other Credit Unions