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The Family Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio →
| 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 9, 2026

The Family Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 7 Month Special CD (CD), 0.55% APY on savings, 5.24% on its 10 Year Fixed Rate Mortgage Loan, personal loans from 10.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other The Family Credit Union CD rates include 13 Month Special CD (CD) at 3.95%, 60 Month CD (CD) at 3.00%, and 48 Month CD (CD) at 2.95%. Other The Family Credit Union mortgage rates include 15 Year Fixed Rate Mortgage Loan at 5.49%, and 15 Year Investment Fixed Rate Mortgage Loan at 6.49%. MonitorBankRates evaluates the financial stability of The Family Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.96%. Rates last updated and verified on 10/09/2026.

The Family 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 The Family Credit Union? Share your experience about The Family Credit Union by leaving a review below, or read customer reviews before you decide to use The Family 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 ?
3.96%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
The Family Credit Union
Northwest
1530 W 53rd St
Davenport, IA 52806
https://www.familycu.com
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.

The Family Credit Union CD Rates

Product Rate APY Term View More
7 Month Special Share Certificate (CD) 3.94% 4.00% 7 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
13 Month Special Share Certificate (CD) 3.89% 3.95% 13 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
60 Month Share Certificate (CD) 2.97% 3.00% 60 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
48 Month Share Certificate (CD) 2.92% 2.95% 48 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.95% APY
2.45%2.95%3.45%Oct 9, 2026: 2.95% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
36 Month Share Certificate (CD) 2.82% 2.85% 36 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 9, 2026: 2.85% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
24 Month Share Certificate (CD) 2.73% 2.76% 24 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.76% APY
2.26%2.76%3.26%Oct 9, 2026: 2.76% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
18 Month Share Certificate (CD) 2.33% 2.35% 18 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 9, 2026: 2.35% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
12 Month Share Certificate (CD) 2.23% 2.25% 12 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 9, 2026: 2.25% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
9 Month Share Certificate (CD) 2.18% 2.20% 9 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.20% APY
1.70%2.20%2.70%Oct 9, 2026: 2.20% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
6 Month Share Certificate (CD) 2.13% 2.15% 6 Month
Min Deposit $500
Min Balance $500
Details Rates effective as of 02/10/26. Rates are subject to change without notice. Early withdrawals may be subject to a penalty. Other restrictions and requirements may apply. Please call 563-388-8328 for additional details.
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.15% APY
1.65%2.15%2.65%Oct 9, 2026: 2.15% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Savings Rates

Product Rate APY View More
Kirby Kangaroo Club - 2.00%
Min Balance $1
Details Balance: $1 to $4,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kirby Kangaroo Club - 0.75%
Min Balance $5,000
Details Balance: $5,000 to $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Growth Savings - 0.55%
Min Balance $100,000
Details Balance: $100,000
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 0.55% APY · checked 5 times
0.05%0.55%1.05%Sep 21, 2026: 0.55% APYSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Growth Savings - 0.50%
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 26, 2026: 0.50% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Growth Savings - 0.40%
Min Balance $25,000
Details Balance: $25,000 - $49,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 26, 2026: 0.40% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Growth Savings - 0.30%
Min Balance $1,500
Details Balance: $1,500 - $24,999
Last Updated 10/09/2026
Rate History
No change since Sep 26, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 26, 2026: 0.30% APYSep 26, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Health Savings - 0.20%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 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: 3.96%
Christmas Club - 0.15%
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kirby Kangaroo Club - 0.15%
Min Balance $25,000
Details Balance: Over $25,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Mortgage Rates

Product Rate Points APR Term View More
10 Year Fixed Rate Mortgage Loan 5.24% - 5.519% 10 Year
Details For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 5.52% APR · checked 5 times
5.02%5.52%6.02%Sep 21, 2026: 5.52% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed Rate Mortgage Loan 5.49% - 5.688% 15 Year
Details For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 5.69% APR · checked 5 times
5.19%5.69%6.19%Sep 21, 2026: 5.69% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Investment Fixed Rate Mortgage Loan 6.49% - 6.693% 15 Year
Details For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 6.69% APR · checked 5 times
6.19%6.69%7.19%Sep 21, 2026: 6.69% APRSep 21, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity Loans - - 5.99% Less than 60 Months
Details Fixed Rate Home Equity Loans
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Fixed Rate Home Equity Loans - - 6.99% 61-120 Months
Details Fixed Rate Home Equity Loans
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Fixed Rate Home Equity Loans - - 7.99% More than 120 Months
Details Fixed Rate Home Equity Loans
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Home Improvement Loans - - 9.99% up to 60 months
Details Home Improvement Loans; Over $25,000 (Mortgage Filed, Loan to Value 100%)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Home Improvement Loans - - 10.49% up to 84 months
Details Home Improvement Loans; Over $25,000 (Mortgage Filed, Loan to Value 100%)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 9, 2026: 10.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Home Improvement Loans - - 10.99% up to 36 months
Details Home Improvement Loans; Under $25,000 (No Mortgage Filed)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 9, 2026: 10.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Home Improvement Loans - - 10.99% up to 120 months
Details Home Improvement Loans; Over $25,000 (Mortgage Filed, Loan to Value 100%)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 9, 2026: 10.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Home Improvement Loans - - 11.49% up to 48 months
Details Home Improvement Loans; Under $25,000 (No Mortgage Filed)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 9, 2026: 11.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Home Equity Home Improvement Loans - - 11.99% up to 60 months
Details Home Improvement Loans; Under $25,000 (No Mortgage Filed)
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 9, 2026: 11.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Vehicles, Trucks, Motorcycles Loan - - 4.74% up to 48 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
New & Used Vehicles, Trucks, Motorcycles Loan - - 4.74% up to 60 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
New & Used Vehicles, Trucks, Motorcycles Loan - - 4.99% up to 72 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
New & Used Vehicles, Trucks, Motorcycles Loan - - 5.24% up to 84 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Vehicles & Motorcycles Loan - - 5.24% up to 48 months
Details As Low As**; 2019 - 2022
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Vehicles & Motorcycles Loan - - 5.49% up to 60 months
Details As Low As**; 2019 - 2022
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Vehicles & Motorcycles Loan - - 5.99% up to 72 months
Details Term: up to 72 months (2021 and newer); As Low As**; 2019 - 2022
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Vehicles & Motorcycles Loan - - 7.24% up to 36 months
Details As Low As**; 2018 and older
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 7 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Vehicles & Motorcycles Loan - - 7.49% up to 48 months
Details As Low As**; 2018 and older
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Vehicles & Motorcycles Loan - - 7.99% up to 60 months
Details As Low As**; 2018 and older
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New & Used Boats, RVs, Campers Loan - 6.99% up to 60 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
New & Used Boats, RVs, Campers Loan - 7.49% up to 72 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
New & Used Boats, RVs, Campers Loan - 7.99% up to 84 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Boats, RVs, Campers Loan - 7.99% up to 36 months
Details As Low As**; 2019 - 2022
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
New & Used Boats, RVs, Campers Loan - 8.49% up to 96 months
Details As Low As**; 2023 - 2026
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Boats, RVs, Campers Loan - 8.49% up to 48 months
Details As Low As**; 2019 - 2022
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
7.99%8.49%8.99%Sep 14, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Boats, RVs, Campers Loan - 8.99% up to 60 months
Details As Low As**; 2019 - 2022
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 18, 2026: 8.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Boats, RVs, Campers Loan - 8.99% up to 36 months
Details As Low As**; 2018 and older
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.99% ▲ 1.00 pts · high 8.99% / low 7.99%
6.99%8.49%9.99%Sep 14, 2026: 7.99% APRSep 18, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20268.99%▲ from 7.99%
  • Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Used Boats, RVs, Campers Loan - 9.99% up to 48 months
Details As Low As**; 2018 and older
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Credit Card Rates

Product Rate APR View More
MasterCard Basic Credit Card - 9.90%
Details Fixed annual percentage rates; As low as 9.9% APR for purchases. 1% foreign transaction fee. Additional fees could include; Late payment fee of $15.00 returned payment fee of $20.00 or cash advance fee of $2.50 at ATMs.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 7 times
9.40%9.90%10.40%Sep 14, 2026: 9.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
MasterCard Rewards Credit Card - 12.90%
Details 2% Cashback on grocery purchases; As low as 12.9% APR for purchases. 1% foreign transaction fee. Additional fees could include; Late payment fee of $15.00, returned payment fee of $20.00, or cash advance fee of $2.50 at ATMs.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 7 times
12.40%12.90%13.40%Sep 14, 2026: 12.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 10.99% up to 72 months
Details As low as
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 18, 2026: 10.99% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

The Family Credit Union Other Rates

Product Rate Points APY/APR Term View More
Adjustable Rate Mortgage Loans - 10/1 - 30 years 5.49% - 6.85% 1-30 years
Details Payment Example: $5.68
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.85% APR
6.35%6.85%7.35%Oct 9, 2026: 6.85% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Adjustable Rate Mortgage Loans - 5/1 - 30 years 5.24% - 7.561% 1-30 years
Details Payment Example: $5.52
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.56% APR
7.06%7.56%8.06%Oct 9, 2026: 7.56% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA - - 0.20%
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Regular Shares - - 0.15%
Min Balance $100
Details Balance: $100 - $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Regular Shares - - 0.20%
Min Balance $2,000
Details Balance: $2,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 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: 3.96%
Share Draft Accounts - - 0.05%
Min Balance $2,500
Details Balance: $2,500 - $5,000 average monthly balance
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 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: 3.96%
Thrift Shares - - 0.15%
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Young Adult - - 0.15%
Min Balance $0
Details Balance: < $500
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Young Adult Account - - 2.50%
Min Balance $500
Details Balance: > $500 up to $5,000 average daily balance*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Young Adult Account - - 2.50%
Min Balance $5,000
Details Qualifications Required: enrolled in e Statements; Balance: $500, up to $5,000 average monthly balance; For ages 14 up to 26. To qualify, must also be enrolled in e Statements. The Bonus dividend will paid at the beginning of each month to accounts that qualify from the proceeding month and dividends will be deposited into the share draft account.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
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.
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Financial Health History

The Family Credit Union’s Texas Ratio fell from 5.99% in Q3 2023 to 3.96% in Q2 2026, so its financial health has improved and is now 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; 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.99% 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 3.96% 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 Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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$253M3.96%5.0A+
March 31, 2026$249M4.09%5.0A+
December 31, 2025$242M6.61%5.0A
September 30, 2025$244M4.14%5.0A+
June 30, 2025$258M4.87%5.0A+
March 31, 2025$269M5.97%5.0A+
December 31, 2024$258M6.00%5.0A
September 30, 2024$251M6.69%5.0A
June 30, 2024$253M6.94%5.0A
March 31, 2024$251M5.91%5.0A+
December 31, 2023$242M6.28%5.0A
September 30, 2023$243M5.99%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 The Family 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 The Family 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 The Family Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Family Credit Union
Website https://www.familycu.com
Address 1530 W 53rd St, Davenport, IA 52806
Phone 563-388-8328
Fax 563-388-0456
President William Buckley
CEO Michael Brandt
Full-Time Employees 67
Part-Time Employees 6
Branch Locations 10
ATM Locations 10
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
3.96%
Return on Assets (ROA)
0.2620%
Return on Equity (ROE)
1.8723%
Non-Performing Loans Ratio (NPL)
1.10%
Total Assets
253,331,879
Total Amount of Shares and Deposits
216,006,694
Total Shares and Deposits < 1 Year
208,973,955
Total Shares and Deposits 1 3 Years
6,534,129
Total Shares and Deposits > 3 Years
498,610
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,885,527
Total Uninsured Shares and Deposits > $250K (F+J)
11,885,527
Total Insured Shares and Deposits > $250K (item 17 less item K)
204,121,167
Total Interest Expense (Sum of items 6 8)
1,070,373
Share Certificates
1,691
Number of Accounts for Share Drafts
13,575
IRA KEOGH Accounts
367
Number of Accounts for Regular Shares
23,347
All other shares
599
Net Income (unless the amount is already included in Undivided Earnings)
663,777
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)
22,364,659
Total Liabilities
217,880,105
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

The Family 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/the-family-credit-union-rates-review-60728">
  <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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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About The Family Credit Union

How many branches does The Family Credit Union operate?

The Family 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 The Family Credit Union?

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

Does The Family Credit Union offer online and mobile banking?

Most modern institutions like The Family 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.familycu.com.

Current The Family Credit Union Rates

  • 12-Month CD2.25%
  • 18-Month CD2.35%
  • 24-Month CD2.76%
  • 60-Month CD3.00%
  • Savings0.55%
Retrieved from our database of financial products. Rates subject to change.

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