What are the current interest rates at Telhio Credit Union?

Current rates for Telhio Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.60%, 24-Month CD: 3.75%, 60-Month CD: 4.00%, Savings: 0.03%, MMA: 0.05%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Telhio Credit Union

iAdvertiser Disclosure

Telhio Credit Union Rates & Review September 2026

Q: How many branches does Telhio Credit Union operate?

Telhio 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 Telhio Credit Union?

Yes, to access services at Telhio 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, Telhio 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, Telhio 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: September 22, 2026

Telhio Credit Union's 60 Month Business CD rates are at 4.00%, 60 Month CD of Deposit (CD) rates are at 4.00%, 48 Month Business CD rates are at 3.90%, 48 Month CD of Deposit (CD) rates are at 3.90%, 36 Month Business CD rates are at 3.80%. Telhio Credit Union's savings rates are at 0.03%. Telhio Credit Union's money market rates are at 0.05%. Telhio Credit Union's Personal Loan Rates are as low as 13.04%. MonitorBankRates evaluates the financial stability of Telhio Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.94%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.94%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Telhio Credit Union
Telhio Credit Union

330 Rush Aly Ste 500
Columbus, OH 43215-3931

https://www.telhio.org

Telhio Credit Union CD Rates

Product	Rate	APY	Term
60 Month Business CD	3.93%	4.00%	60 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
60 Month Certificate of Deposit (CD)	3.93%	4.00%	60 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
48 Month Business CD	3.83%	3.90%	48 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
48 Month Certificate of Deposit (CD)	3.83%	3.90%	48 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
36 Month Business CD	3.74%	3.80%	36 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
36 Month Certificate of Deposit (CD)	3.74%	3.80%	36 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
24 Month Business CD	3.69%	3.75%	24 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
24 Month Certificate of Deposit (CD)	3.69%	3.75%	24 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
18 Month Business CD	3.54%	3.60%	18 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
18 Month Certificate of Deposit (CD)	3.54%	3.60%	18 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
12 Month Business CD	3.50%	3.55%	12 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
12 Month Certificate of Deposit (CD)	3.50%	3.55%	12 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
9 Month Business CD	3.35%	3.40%	9 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
9 Month Certificate of Deposit (CD)	3.35%	3.40%	9 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
6 Month Business CD	3.25%	3.30%	6 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
6 Month Certificate of Deposit (CD)	3.25%	3.30%	6 Months
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
91 Day Business CD	3.01%	3.05%	91 Days
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
91 Day Certificate of Deposit (CD)	3.01%	3.05%	91 Days
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%

Telhio Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	1.00%	1.00%
Min Balance $7,500 Details Balance: $7,500.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Health Savings Account (HSA)	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 to $7,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 to $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Business Savings Account	0.03%	0.03%
Min Balance $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Secondary Savings	0.03%	0.03%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Share Savings	0.03%	0.03%
Min Deposit $5 Min Balance $250 Details Minimum of $250.00 required to earn interest on Share Savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%

Telhio Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Money Market Account	1.15%	1.16%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Money Market Account	1.10%	1.11%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Business Money Market Account	0.95%	0.95%
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Business Money Market Account	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Business Money Market Account	0.85%	0.85%
Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Money Market Account	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Business Money Market Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Money Market Account	0.55%	0.55%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Business Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Money Market Account	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 to $4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%

Telhio Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity HELOC Special	-	-	4.00%
Details Say Hello to Hot Rewards Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%
Home Equity Line of Credit	-	-	6.50%
Details Rates as low as 6.50% APR* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%

Telhio Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	13.04%
Details Rates effective September 14th, 2026. A $150 doc prep fee applies. All rates and terms subject to credit approval. Additional discounts may be available. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.94%

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

Telhio Credit Union’s Texas Ratio rose from 1.76% in Q2 2023 to 13.94% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
March 31, 2026	$1.3B	13.94%	5.0	A
December 31, 2025	$1.4B	12.08%	5.0	A
September 30, 2025	$1.4B	13.21%	5.0	A
June 30, 2025	$1.4B	10.24%	5.0	A
March 31, 2025	$1.4B	7.83%	5.0	A
December 31, 2024	$1.4B	6.86%	5.0	A
September 30, 2024	$1.4B	3.51%	5.0	A+
June 30, 2024	$1.4B	2.80%	5.0	A+
March 31, 2024	$1.4B	3.11%	5.0	A+
December 31, 2023	$1.4B	2.58%	5.0	A+
September 30, 2023	$1.4B	2.21%	5.0	A+
June 30, 2023	$1.4B	1.76%	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 Telhio 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 Telhio 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 Telhio Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Telhio Credit Union

Website https://www.telhio.org

Address 330 Rush Aly Ste 500, Columbus, OH 43215-3931

Phone 614-221-3233

Fax

President Irene Smith

CEO Derrick Bailey

Full-Time Employees 276

Part-Time Employees 4

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.94%

Return on Assets (ROA)

0.0096%

Return on Equity (ROE)

0.0997%

Non-Performing Loans Ratio (NPL)

1.77%

Total Assets

1,344,215,269

Total Amount of Shares and Deposits

1,142,152,993

Total Shares and Deposits < 1 Year

1,029,956,784

Total Shares and Deposits 1 3 Years

95,448,283

Total Shares and Deposits > 3 Years

16,747,927

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

70,229,561

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

105,169,389

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

1,036,983,604

Total Interest Expense (Sum of items 6 8)

4,915,758

Share Certificates

8,516

Number of Accounts for Share Drafts

38,218

IRA KEOGH Accounts

3,231

Number of Accounts for Regular Shares

81,479

All other shares

1,503

Non Member Deposits

Money Market Shares

8,426

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

127,997

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)

84,974,181

Total Liabilities

1,218,146,842

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Telhio Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/telhio-credit-union-rates-review-62848">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Telhio Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Telhio Credit Union

Frequently Asked Questions About Telhio Credit Union

How many branches does Telhio Credit Union operate?

Telhio 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 Telhio Credit Union?

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

Does Telhio Credit Union offer online and mobile banking?

Most modern institutions like Telhio 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.telhio.org.