What are the current interest rates at Sorg Bay West Federal Credit Union?

Current rates for Sorg Bay West Federal Credit Union include: 12-Month CD: 2.78%, 24-Month CD: 2.78%

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Sorg Bay West Federal Credit Union

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Sorg Bay West Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sorg Bay West 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

Sorg Bay West Federal Credit Union's top rates as of October 12, 2026 are 2.78% APY on its CD of Deposit 12 Month, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Sorg Bay West Federal Credit Union CD rates include CD of Deposit 24 Month at 2.78%, CD of Deposit 6 Month at 2.78%, and IRA CD 12 Month at 2.78%. MonitorBankRates evaluates the financial stability of Sorg Bay West Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 61.03%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 29/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

61.03%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Sorg Bay West Federal Credit Union
SORG BAY WEST FCU

400 N BROAD ST
MIDDLETOWN, OH 45042-1909

https://www.sorgbaywest.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.

Sorg Bay West Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate of Deposit 12 Month	2.75%	2.78%	12 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.03% → 2.78% ▼ 0.25 pts · high 3.03% / low 2.78% Oct 12, 20262.78%▼ from 3.03% Sep 12, 20263.03%first recorded Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 61.03%
Certificate of Deposit 24 Month	2.75%	2.78%	24 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.78% APY · checked 5 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 61.03%
Certificate of Deposit 6 Month	2.75%	2.78%	6 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.03% → 2.78% ▼ 0.25 pts · high 3.03% / low 2.78% Oct 12, 20262.78%▼ from 3.03% Sep 12, 20263.03%first recorded Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 61.03%
IRA Certificate 12 Month	2.75%	2.78%	12 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.03% → 2.78% ▼ 0.25 pts · high 3.03% / low 2.78% Oct 12, 20262.78%▼ from 3.03% Sep 12, 20263.03%first recorded Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 61.03%
IRA Certificate 24 Month	2.75%	2.78%	24 months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.03% → 2.78% ▼ 0.25 pts · high 3.03% / low 2.78% Oct 12, 20262.78%▼ from 3.03% Sep 12, 20263.03%first recorded Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 61.03%

Sorg Bay West Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Classic Credit Card	12.90%	12.90%
Details APR* Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.90% APR · checked 7 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 61.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sorg Bay West Federal Credit Union’s Texas Ratio rose from 32.32% in Q3 2023 to 61.03% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 1.0 and its Health Grade from D to F. 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	$12M	61.03%	1.0	F
March 31, 2026	$12M	23.20%	2.1	F
December 31, 2025	$12M	41.19%	1.0	F
September 30, 2025	$12M	46.20%	1.0	F
June 30, 2025	$12M	52.40%	1.0	F
March 31, 2025	$12M	41.36%	2.2	F
December 31, 2024	$11M	66.53%	1.0	F
September 30, 2024	$11M	40.00%	2.8	F
June 30, 2024	$11M	23.36%	4.3	B-
March 31, 2024	$11M	72.18%	1.0	F
December 31, 2023	$11M	54.52%	1.7	F
September 30, 2023	$10M	32.32%	3.6	D

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 Sorg Bay West 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 Sorg Bay West 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 Sorg Bay West Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sorg Bay West Federal Credit Union

Website https://www.sorgbaywest.com

Address 400 N BROAD ST, MIDDLETOWN, OH 45042-1909

Phone 513-422-8697

Fax 513-422-1692

President CHUCK DOAN

CEO JOANN MAMALIGAS

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

1.0 / 5.0 ★

Overall Health & Safety Grade

F (29/100)

Texas Ratio

61.03%

Return on Assets (ROA)

0.0119%

Return on Equity (ROE)

0.2366%

Non-Performing Loans Ratio (NPL)

6.08%

Total Assets

11,643,904

Total Amount of Shares and Deposits

10,927,725

Total Shares and Deposits < 1 Year

10,248,841

Total Shares and Deposits 1 3 Years

678,884

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

10,927,725

Total Interest Expense (Sum of items 6 8)

103,494

Share Certificates

140

Number of Accounts for Share Drafts

423

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,313

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Undercapitalized

Net Worth Classification if credit union is a new credit union

Moderately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,667,536

Total Liabilities

11,083,645

Source: NCUA — Last Updated 06/30/2026

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Frequently Asked Questions About Sorg Bay West Federal Credit Union

How many branches does Sorg Bay West Federal Credit Union operate?

Sorg Bay West 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 Sorg Bay West Federal Credit Union?

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

Does Sorg Bay West Federal Credit Union offer online and mobile banking?

Most modern institutions like Sorg Bay West 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.sorgbaywest.com.