What are the current interest rates at Superior Credit Union?

Current rates for Superior Credit Union include: 12-Month CD: 3.95%, 18-Month CD: 4.00%, 24-Month CD: 4.05%, 60-Month CD: 4.20%

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Superior Credit Union

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Superior Credit Union Rates & Review October 2026

Q: How many branches does Superior Credit Union operate?

Superior 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.

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

Yes, to access services at Superior 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: Is there a first-time homebuyer program?

Currently, Superior 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Superior 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 10, 2026

Superior Credit Union's top rates as of October 10, 2026 are 4.20% APY on its 60 Month Regular CDs & IRA CDs CD, 2.25% APY on checking, and auto loans from 6.25% APR, according to rates verified by MonitorBankRates. Other Superior Credit Union CD rates include 48 Month Regular CDs & IRA CDs at 4.15%, 36 Month Regular CDs & IRA CDs at 4.10%, and 24 Month Regular CDs & IRA CDs at 4.05%. MonitorBankRates evaluates the financial stability of Superior Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.82%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Superior Credit Union
Elida Office

4230 ELIDA RD
LIMA, OH 45807

https://www.superiorcu.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.

Superior Credit Union CD Rates

Product	Rate	APY	Term
60 Month Regular Share Certificates & IRA Certificates	4.135%	4.20%	60 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 10, 20264.20%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
48 Month Regular Share Certificates & IRA Certificates	4.087%	4.15%	48 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 10, 20264.15%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
36 Month Regular Share Certificates & IRA Certificates	4.038%	4.10%	36 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70% Oct 10, 20264.10%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
24 Month Regular Share Certificates & IRA Certificates	3.99%	4.05%	24 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65% Oct 10, 20264.05%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
18 Month Regular Share Certificates & IRA Certificates	3.941%	4.00%	18 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 10, 20264.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
12 Month Regular Share Certificates & IRA Certificates	3.893%	3.95%	12 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60% Oct 10, 20263.95%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
6 Month Regular Share Certificates & IRA Certificates	3.698%	3.75%	6 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 10, 20263.75%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
3 Month Regular Share Certificates & IRA Certificates	3.211%	3.25%	3 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 10, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Superior Credit Union Checking Rates

Product	Rate	APY	View More
iChecking	-	2.25%
Min Balance $2,500 Details Earn dividends on balances starting at $2,500*; No Monthly Fee unless the average daily balance falls below $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Superior Credit Union Business Checking Rates

Product	Rate	APY	View More
Business iChecking	-	2.25%
Min Deposit $2,500 Min Balance $5,000 Details Minimum: $2,500 Minimum Balance to Open; Earn up to 2.25% APY on balances of $5,000 or more!; 20 an item over 100; Monthly maintenance fee ONLY if average daily balance falls below minimum level** Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Superior Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	6.25%
Details as low as Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.29% → 6.25% ▲ 0.96 pts · high 6.25% / low 5.29% Oct 1, 20266.25%▲ from 5.79% Sep 18, 20265.79%▲ from 5.29% Sep 14, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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

Superior Credit Union’s Texas Ratio stayed near 0.49% in Q3 2023 to 0.82% 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	$2.0B	0.82%	5.0	A+
March 31, 2026	$1.9B	0.47%	5.0	A+
December 31, 2025	$1.9B	0.31%	5.0	A+
September 30, 2025	$1.8B	0.36%	5.0	A+
June 30, 2025	$1.8B	0.25%	5.0	A+
March 31, 2025	$1.8B	0.32%	5.0	A+
December 31, 2024	$1.7B	0.29%	5.0	A+
September 30, 2024	$1.8B	0.28%	5.0	A+
June 30, 2024	$1.7B	0.47%	5.0	A+
March 31, 2024	$1.7B	0.35%	5.0	A+
December 31, 2023	$1.7B	0.61%	5.0	A+
September 30, 2023	$1.5B	0.49%	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 Superior 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 Superior 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 Superior Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Superior Credit Union

Website https://www.superiorcu.com

Address 4230 ELIDA RD, LIMA, OH 45807

Phone 419-879-3541

Fax 419-227-5258

President James Bacome

CEO Phillip Buell

Full-Time Employees 251

Part-Time Employees 29

Branch Locations 26

ATM Locations 26

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.82%

Return on Assets (ROA)

0.9211%

Return on Equity (ROE)

6.0587%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

1,964,103,971

Total Amount of Shares and Deposits

1,648,751,020

Total Shares and Deposits < 1 Year

1,519,965,972

Total Shares and Deposits 1 3 Years

100,146,034

Total Shares and Deposits > 3 Years

28,639,013

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

138,025,519

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

158,037,431

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

1,490,713,589

Total Interest Expense (Sum of items 6 8)

16,073,541

Share Certificates

13,156

Number of Accounts for Share Drafts

64,960

IRA KEOGH Accounts

3,660

Number of Accounts for Regular Shares

115,203

All other shares

3,833

Non Member Deposits

Money Market Shares

14,833

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)

80,169,305

Total Liabilities

1,682,351,664

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Superior 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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Frequently Asked Questions About Superior Credit Union

How many branches does Superior Credit Union operate?

Superior 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 Superior Credit Union?

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

Does Superior Credit Union offer online and mobile banking?

Most modern institutions like Superior 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.superiorcu.com.