What are the current interest rates at SERVU Federal Credit Union?

Current rates for SERVU Federal Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.70%, 24-Month CD: 3.70%, Savings: 2.50%

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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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SERVU Federal Credit Union

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SERVU Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join SERVU Federal Credit Union?

Yes, to access services at SERVU 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SERVU 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 9, 2026

SERVU Federal Credit Union's top rates as of October 9, 2026 are 3.96% APY on its 36 month IRA CD jumbo, 2.50% APY on savings, 6.77% on its 15yr Mortgage, personal loans from 7.49% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other SERVU Federal Credit Union CD rates include 24 month IRA CD jumbo at 3.91%, 19 month PROMO at 3.80%, and 36 Month CD at 3.75%. MonitorBankRates evaluates the financial stability of SERVU Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.25%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

SERVU Federal Credit Union
87 Victory Hwy

87 Victory Hwy
Painted Post, NY 14870-1006

https://www.servucu.com

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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.

SERVU Federal Credit Union CD Rates

Product	Rate	APY	Term
36 month IRA certificate jumbo	3.90%	3.96%	36 month
Min Balance $1,000 Details Jumbo Share Certificate = $100,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80% Oct 5, 20263.96%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 month IRA certificate jumbo	3.85%	3.91%	24 month
Min Balance $1,000 Details Jumbo Share Certificate = $100,000 or more Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.91% ▲ 0.16 pts · high 3.91% / low 3.75% Oct 5, 20263.91%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
19 month PROMO	3.747%	3.80%	19 month
Min Balance $1,000 Details Jumbo Share Certificate = $100,000 or more Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
36 Month Certificate	3.70%	3.75%	36 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 5, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
36 month IRA certificate	3.70%	3.75%	36 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 5, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
9 month PROMO	3.698%	3.75%	9 month
Min Balance $1,000 Details Jumbo Share Certificate = $100,000 or more Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
18 Month Certificate	3.65%	3.70%	18 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55% Oct 5, 20263.70%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
24 Month Certificate	3.65%	3.70%	24 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55% Oct 5, 20263.70%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
4 month IRA certificate	3.65%	3.70%	4 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 Month Certificate	3.60%	3.65%	12 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 5, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
12 month IRA certificate	3.60%	3.65%	12 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55% Oct 5, 20263.65%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
6 Month Certificate	3.50%	3.55%	6 month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44% Oct 5, 20263.55%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Savings Rates

Product	Rate	APY
EE Savings Bonds	2.50%	2.50%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 2.50% ▲ 2.40 pts · high 2.50% / low 0.10% Oct 5, 20262.50%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Shares/Clubs	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45% Oct 5, 20260.50%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
15yr Mortgage	6.77%	-	6.77%	15 years
Details As Low As Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.99% → 6.77% ▲ 0.78 pts · high 6.77% / low 5.99% Oct 9, 20266.77%▲ from 6.50% Sep 28, 20266.50%▲ from 6.33% Sep 21, 20266.33%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Quarterly Prime +0 Plan	-	-	7.00%	0-180 months
Details 90% rates; Maximum APR is 18.00% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Equity Anniversary Prime +1 Plan	-	-	8.00%	0-180 months
Details 90% rates; Maximum APR is 18.00% Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto - 2022 & newer Loan	-	-	5.24%	0-36 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2022 & newer Loan	-	-	5.24%	37-48 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2022 & newer Loan	-	-	5.49%	49-72 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2016-2021 Loan	-	-	5.74%	0-36 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2016-2021 Loan	-	-	5.74%	37-48 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2022 & newer Loan	-	-	5.74%	73-84 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2016-2021 Loan	-	-	5.99%	49-72 months
Details Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2022 & newer Loan	-	-	5.99%	85-96 months
Details min. amount of $30,000 for 85-96mo term. Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Auto - 2016-2021 Loan	-	-	6.24%	73-84 months
Details min. amount of $30,000 for 73-84mo term. Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	5.74%	0-36 months
Details Model Year: 2022 & newer ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	5.74%	37-48 months
Details Model Year: 2022 & newer ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	5.99%	49-72 months
Details Model Year: 2022 & newer ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	6.24%	73-84 months
Details Model Year: 2022 & newer ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	6.24%	0-36 months
Details Model Year: 2016-2021** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	6.24%	37-48 months
Details Model Year: 2016-2021** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	6.24%	49-72 months
Details Model Year: 2016-2021** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2020 & newer	-	6.49%	0-36 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2020 & newer	-	6.49%	37-60 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	6.49%	85-96 months
Details Model Year: 2022 & newer **; min. amount of $30,000 for 85-96mo term Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	6.49%	73-84 months
Details Model Year: 2016-2021**; min. amount of $30,000 for 73-84mo term Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2020 & newer	-	6.74%	61-72 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2020 & newer	-	6.74%	73-84 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2020 & newer	-	6.99%	85-120 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2019 & older	-	7.24%	0-36 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2019 & older	-	7.24%	37-60 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2020 & newer	-	7.24%	121-180 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2019 & older	-	7.49%	61-84 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2019 & older	-	7.74%	85-120 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Boat / Camper / RV Loans - 2019 & older	-	7.99%	121-180 months
Details Finance up to 108% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Requirements: You must provide a copy of the purchase agreement. If you are purchasing from an individual then you must submit an appraisal indicating the value of the collateral along with a copy of the title (if applicable). You must maintain full insurance coverage on the collateral with ServU listed as the lien holder. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	8.49%	0-36 months
Details Model Year: 2015-older (loans less than $10,000 max. 36 mo) ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	8.74%	37-60 months
Details Model Year: 2015-older (loans less than $10,000 max. 36 mo) ** Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Motorcycle Loan	-	9.24%	61-72 months
Details Model Year: 2015-older (loans less than $10,000 max. 36 mo) **; min. amount of $30,000 for 61-72mo term Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card - Purchases	-	11.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Visa Reward Cards	-	13.74%
Details Balance Transfer APR: 13.74** Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.49%	0-36 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 9, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Personal Loan	7.99%	37-60 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 9, 20267.99%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Personal Loan	8.49%	61-72 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99% Oct 9, 20268.49%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

SERVU Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2015-older (loans less than max. 36 mo)	-	-	7.99%	36 months
Details $10,000; Additional APR listed for this product: 8.24%. Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
2015-older (loans less than max. 36 mo)	-	-	8.74%	36 months
Details $10,000; min. amount of $30,000 for 61-72mo term. Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required. New money only. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Borrow Loan	-	-	7.49%	0-36 months
Details up to $20,000; Unsecured funds available for home improvements - new money only. Proceeds of the loan must be used for home improvements; Member must be a home owner. The Home Improvement Loan is an unsecured loan. A lien WILL NOT be placed against the property. Total amount of Home Improvement and Home Improvement Plus cannot exceed $20,000. Total amount of traditional home improvement not to exceed $20,000. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Borrow Loan	-	-	7.74%	37-60 months
Details up to $20,000; Unsecured funds available for home improvements - new money only. Proceeds of the loan must be used for home improvements; Member must be a home owner. The Home Improvement Loan is an unsecured loan. A lien WILL NOT be placed against the property. Total amount of Home Improvement and Home Improvement Plus cannot exceed $20,000. Total amount of traditional home improvement not to exceed $20,000. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Borrow Loan	-	-	7.99%	61-84 months
Details up to $20,000; Unsecured funds available for home improvements - new money only. Proceeds of the loan must be used for home improvements; Member must be a home owner. The Home Improvement Loan is an unsecured loan. A lien WILL NOT be placed against the property. Total amount of Home Improvement and Home Improvement Plus cannot exceed $20,000. Total amount of traditional home improvement not to exceed $20,000. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Borrow Loan	-	-	8.49%	85-120 months
Details up to $20,000; Unsecured funds available for home improvements - new money only. Proceeds of the loan must be used for home improvements; Member must be a home owner. The Home Improvement Loan is an unsecured loan. A lien WILL NOT be placed against the property. Total amount of Home Improvement and Home Improvement Plus cannot exceed $20,000. Total amount of traditional home improvement not to exceed $20,000. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	-	-	7.49%	0-36 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 9, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	-	-	7.74%	37-60 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.74% ▲ 0.50 pts · high 7.74% / low 7.24% Oct 9, 20267.74%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	-	-	7.99%	61-84 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49% Oct 9, 20267.99%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Home Improvement Loan	-	-	8.49%	85-120 months
Details Borrow up to $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99% Oct 9, 20268.49%▲ from 7.99% Sep 14, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Promotional Loan	-	-	5.74%	0-24 months
Details Borrow up to $3,500; Special Promotional Rate, subject to change at anytime. New money only. Last Updated 10/09/2026 Rate History 1 change since Sep 28, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 9, 20265.74%▲ from 5.24% Sep 28, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%
Special Promotional Loan	-	-	6.24%	0-36 months
Details Borrow up to $6,000; Special Promotional Rate, subject to change at anytime. New money only. Last Updated 10/09/2026 Rate History No change since Sep 28, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.25%

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

SERVU Federal Credit Union’s Texas Ratio fell from 3.22% in Q3 2023 to 2.25% 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.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$529M	2.25%	5.0	A+
March 31, 2026	$519M	2.63%	5.0	A+
December 31, 2025	$506M	2.22%	5.0	A+
September 30, 2025	$495M	3.23%	5.0	A+
June 30, 2025	$499M	3.25%	5.0	A+
March 31, 2025	$492M	2.54%	5.0	A+
December 31, 2024	$474M	4.19%	5.0	A+
September 30, 2024	$469M	4.45%	5.0	A+
June 30, 2024	$474M	2.77%	5.0	A+
March 31, 2024	$465M	2.60%	5.0	A+
December 31, 2023	$449M	2.42%	5.0	A+
September 30, 2023	$449M	3.22%	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 SERVU 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 SERVU 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 SERVU Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SERVU Federal Credit Union

Website https://www.servucu.com

Address 87 Victory Hwy, Painted Post, NY 14870-1006

Phone 607-936-4615

Fax 607-936-3154

President Michael Harris

CEO Keith Orfanides

Full-Time Employees 137

Part-Time Employees 1

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.25%

Return on Assets (ROA)

0.6987%

Return on Equity (ROE)

4.7113%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

529,177,227

Total Amount of Shares and Deposits

446,094,062

Total Shares and Deposits < 1 Year

433,030,271

Total Shares and Deposits 1 3 Years

13,063,790

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

16,147,724

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

16,147,724

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

429,946,338

Total Interest Expense (Sum of items 6 8)

2,107,423

Share Certificates

2,645

Number of Accounts for Share Drafts

27,269

IRA KEOGH Accounts

1,516

Number of Accounts for Regular Shares

73,908

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

3,697,581

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)

35,246,525

Total Liabilities

450,694,185

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SERVU 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.

<a href="https://monitorbankrates.com/credit-unions/servu-federal-credit-union-rates-review-10933">
  <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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Total Reviews

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Frequently Asked Questions About SERVU Federal Credit Union

How many branches does SERVU Federal Credit Union operate?

SERVU 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 SERVU Federal Credit Union?

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

Does SERVU Federal Credit Union offer online and mobile banking?

Most modern institutions like SERVU 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.servucu.com.

Current SERVU Federal Credit Union Rates

12-Month CD3.65%
18-Month CD3.70%
24-Month CD3.70%
Savings2.50%

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

Compare to Other Credit Unions

SERVU Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SERVU Federal Credit Union Texas Ratio

SERVU Federal Credit Union Health Trend

SERVU Federal Credit Union CD Rates

SERVU Federal Credit Union Savings Rates

SERVU Federal Credit Union Mortgage Rates

SERVU Federal Credit Union Home Equity & HELOC

SERVU Federal Credit Union Auto Loan Rates

SERVU Federal Credit Union RV, Boat and Powersport Loan Rates

SERVU Federal Credit Union Credit Card Rates

SERVU Federal Credit Union Personal Loan Rates

SERVU Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SERVU Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SERVU Federal Credit Union

How many branches does SERVU Federal Credit Union operate?

Is a member application needed to join SERVU Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SERVU Federal Credit Union offer online and mobile banking?

Current SERVU Federal Credit Union Rates

Compare to Other Credit Unions