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Sabine Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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 12, 2026

Sabine Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its CD Deposit Account - 12 month, 0.20% APY on savings, 0.05% APY on checking, and personal loans from 12.00% APR, according to rates verified by MonitorBankRates. Other Sabine Federal Credit Union CD rates include CD Deposit Account - 6 month at 3.65%, CD Deposit Account - 18 month at 3.50%, and CD Deposit Account - 36 month at 3.50%. MonitorBankRates evaluates the financial stability of Sabine Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.83%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.83%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Sabine Federal Credit Union
Main office
1939 Strickland Dr
Orange, TX 77630-2901
https://www.sabinefcu.org
Member NCUA
Customer Reviews
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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.

Sabine Federal Credit Union CD Rates

Product Rate APY Term View More
Certificate Deposit Account - 12 month - 3.75% 12 months
Min Deposit $1,000
Details APYE: 3.821%; Effective Date: 10/12/2026; Early withdrawal penalties may apply
Last Updated 10/12/2026
Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.75% ▼ 0.07 pts · high 3.82% / low 3.75%
3.25%3.79%4.32%Sep 14, 2026: 3.82% APYSep 17, 2026: 3.75% APYSep 25, 2026: 3.82% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.75%▼ from 3.82%
  • Sep 25, 20263.82%▲ from 3.75%
  • Sep 17, 20263.75%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Certificate Deposit Account - 6 month - 3.65% 6 months
Min Deposit $1,000
Details APYE: 3.717%; Effective Date: 10/12/2026; Early withdrawal penalties may apply
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.72% → 3.65% ▼ 0.07 pts · high 3.72% / low 3.65%
3.15%3.68%4.22%Sep 14, 2026: 3.72% APYOct 12, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.65%▼ from 3.72%
  • Sep 14, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Certificate Deposit Account - 18 month - 3.50% 18 months
Min Deposit $1,000
Details APYE: 3.55%; Effective Date: 10/12/2026; Early withdrawal penalties may apply
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYOct 12, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Certificate Deposit Account - 36 month - 3.50% 36 months
Min Deposit $1,000
Details APYE: 3.557%; Effective Date: 10/12/2026; Early withdrawal penalties may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 4, 2026: 3.56% APYOct 12, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.50%▼ from 3.56%
  • Oct 4, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Certificate Deposit Account - 60 month - 3.50% 60 months
Min Deposit $1,000
Details APYE: 3.557%; Effective Date: 10/12/2026; Early withdrawal penalties may apply
Last Updated 10/12/2026
Rate History
2 changes since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 4, 2026: 3.56% APYOct 12, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.50%▼ from 3.56%
  • Oct 4, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club - 0.20%
Min Deposit $5
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Savings - 0.20%
Min Deposit $5
Details Dividends earned daily and posted monthly
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Checking Rates

Product Rate APY View More
Checking - 0.05%
Min Deposit $50
Min Balance $2,500
Details With minimum balance of $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity (1st lien 10 years and below) 5.25% - 5.279% 10 years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.28% APR
4.78%5.28%5.78%Oct 12, 2026: 5.28% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity (1st lien 7 years and below) 5.25% - 5.289% 7 years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.29% APR
4.79%5.29%5.79%Oct 12, 2026: 5.29% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity (1st lien 5 years and below) 5.25% - 5.313% 5 years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.31% APR
4.81%5.31%5.81%Oct 12, 2026: 5.31% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity (1st lien 15 years and below) 5.50% - 5.522% 15 years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.52% APR
5.02%5.52%6.02%Oct 12, 2026: 5.52% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity - - 5.75%
Details As Low As; Featured Rate; Real Estate Rates
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 18, 2026: 5.50% APROct 4, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
  • Oct 4, 20265.75%▲ from 5.50%
  • Sep 18, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity (1st lien 20 years and below) 5.75% - 5.824% 20 years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.82% APR
5.32%5.82%6.32%Oct 12, 2026: 5.82% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Home Equity (1st lien 30 years and below) 6.00% - 6.058% 30 years
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.06% APR
5.56%6.06%6.56%Oct 12, 2026: 6.06% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New or Used Autos or Harley Davidson Motorcycles - - 4.00% 36 months or less
Details Published APR range: 4.00% - 14.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles - - 4.25% 48 months or less
Details Published APR range: 4.25% - 14.25%.
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles - - 4.25% 60 months or less
Details Published APR range: 4.25% - 14.25%.
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles - - 4.50% 72 months or less
Details Published APR range: 4.50% - 14.50%.
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Auto Loans - - 5.25%
Details As Low As; Compare Rates, Capture the Highest Returns; Consumer Loan Rates
Last Updated 10/12/2026
Rate History
4 changes since Sep 14, 2026 · 5.25% → 5.25% ▼ 0.00 pts · high 6.00% / low 4.00%
2.00%5.00%8.00%Sep 14, 2026: 5.25% APRSep 18, 2026: 4.00% APRSep 25, 2026: 5.25% APROct 4, 2026: 6.00% APROct 8, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 8, 20265.25%▼ from 6.00%
  • Oct 4, 20266.00%▲ from 5.25%
  • Sep 25, 20265.25%▲ from 4.00%
  • Sep 18, 20264.00%▼ from 5.25%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
New or Used Autos or Harley Davidson Motorcycles - - 5.50% 84 months or less
Details Published APR range: 5.50% - 15.50%.
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Classic Used Autos - - 9.00% 72 months or less
Details Published APR range: 9.00% - 18.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 5 times
8.50%9.00%9.50%Sep 17, 2026: 9.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RVs Loan - 5.50% 60 months or less
Details Published APR range: 5.50% - 15.50%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 17, 2026: 5.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Boats Loan - 6.00% 60 months or less
Details Published APR range: 6.00% - 16.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 17, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
RVs Loan - 6.25% 84 months or less
Details Published APR range: 6.25% - 16.25%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Sep 17, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Boats Loan - 6.50% 72 months or less
Details Published APR range: 6.50% - 16.50%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 17, 2026: 6.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Motorcycles/Four Wheelers Loan - 6.50% 60 months or less
Details Published APR range: 6.50% - 16.50%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 17, 2026: 6.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Boats Loan - 7.00% 84 months or less
Details Published APR range: 7.00% - 17.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 17, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Motorcycles Loan - 7.00% 72 months or less
Details Published APR range: 7.00% - 17.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 17, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
RVs Loan - 7.00% 144 months or less
Details Published APR range: 7.00% - 17.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 17, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Boats Loan - 8.00% 120 months or less
Details Published APR range: 8.00% - 18.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 3 times
7.50%8.00%8.50%Sep 17, 2026: 8.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Student Loans - - 7.00% up to 48 months
Details Published APR range: 7.00% - 15.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 17, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 12.00% up to 60 months
Details Published APR range: 12.00% - 18.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 12.00% APR · checked 5 times
11.50%12.00%12.50%Sep 17, 2026: 12.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%

Sabine Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Christmas Loan - - 16.00%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 3 times
15.50%16.00%16.50%Sep 14, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Credit Builder Loan - - 6.00%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Emergency Home Improvement Loan - - 10.00% up to 48 months
Details Published APR range: 10.00% - 18.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 10.00% APR · checked 3 times
9.50%10.00%10.50%Sep 17, 2026: 10.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Furniture & Appliance Loan - - 7.00% 60 months or less
Details Published APR range: 7.00% - 17.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 17, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Land (10 years and below) Loan 5.75% - 6.483% 10 years
Details APR based on $50,000.00 loan for stated term, includes customary closing costs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.48% APR
5.98%6.48%6.98%Oct 12, 2026: 6.48% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Land (15 years and below) Loan 6.00% - 6.523% 15 years
Details APR based on $50,000.00 loan for stated term, includes customary closing costs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.52% APR
6.02%6.52%7.02%Oct 12, 2026: 6.52% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Land (5 years and below) Loan 5.75% - 7.12% 5 years
Details APR based on $50,000.00 loan for stated term, includes customary closing costs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.12% APR
6.62%7.12%7.62%Oct 12, 2026: 7.12% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Land (7 years and below) Loan 5.75% - 6.758% 7 years
Details APR based on $50,000.00 loan for stated term, includes customary closing costs
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.76% APR
6.26%6.76%7.26%Oct 12, 2026: 6.76% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Line of Credit - - 11.75%
Details Up to $20,000; Published APR range: 11.75% - 18.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 5 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Stock Trailers Loan - - 6.00% 84 months or less
Details Published APR range: 6.00% - 16.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 17, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Tractors Loan - - 6.00% 84 months or less
Details Published APR range: 6.00% - 16.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 17, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
Vacation Loan - - 11.00%
Details Published APR range: 11.00% - 18.00%.
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
IRA - - 0.20%
Min Deposit $1,000
Details Traditional, Roth, or Coverdell IRA savings account
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.83%
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

Sabine Federal Credit Union’s Texas Ratio rose from 1.63% in Q3 2023 to 3.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.3% 2.0★ 2.7% 3.0★ 4% 4.0★ 5.3% 5.0★ Healthy zone – entire history below the 15% limit 1.63% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.83% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$235M3.83%5.0A+
March 31, 2026$238M3.14%5.0A+
December 31, 2025$232M3.95%5.0A+
September 30, 2025$234M2.83%5.0A+
June 30, 2025$235M3.76%5.0A+
March 31, 2025$234M3.27%5.0A+
December 31, 2024$228M3.38%5.0A+
September 30, 2024$228M3.45%5.0A+
June 30, 2024$231M2.14%5.0A+
March 31, 2024$232M1.17%5.0A+
December 31, 2023$230M1.99%5.0A+
September 30, 2023$232M1.63%5.0A+
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 Sabine 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 Sabine 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 Sabine Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sabine Federal Credit Union
Website https://www.sabinefcu.org
Address 1939 Strickland Dr, Orange, TX 77630-2901
Phone 409-988-1300
Fax 409-988-1340
President Richard Johnson
CEO Kristi Charrier
Full-Time Employees 60
Part-Time Employees 0
Branch Locations 3
ATM Locations 6
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.83%
Return on Assets (ROA)
0.0891%
Return on Equity (ROE)
0.7263%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
235,292,830
Total Amount of Shares and Deposits
203,881,727
Total Shares and Deposits < 1 Year
203,036,232
Total Shares and Deposits 1 3 Years
680,106
Total Shares and Deposits > 3 Years
165,389
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,009,306
Total Uninsured Shares and Deposits > $250K (F+J)
10,009,306
Total Insured Shares and Deposits > $250K (item 17 less item K)
193,872,421
Total Interest Expense (Sum of items 6 8)
914,263
Share Certificates
625
Number of Accounts for Share Drafts
7,506
IRA KEOGH Accounts
220
Number of Accounts for Regular Shares
13,273
All other shares
373
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)
12,818,021
Total Liabilities
206,894,631
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Sabine Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Sabine Federal Credit Union

How many branches does Sabine Federal Credit Union operate?

Sabine 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 Sabine Federal Credit Union?

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

Does Sabine Federal Credit Union offer online and mobile banking?

Most modern institutions like Sabine 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.sabinefcu.org.

Current Sabine Federal Credit Union Rates

  • 12-Month CD3.75%
  • 18-Month CD3.50%
  • 60-Month CD3.50%
  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.

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