What are the current interest rates at Transcend Credit Union?

Current rates for Transcend Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.20%, MMA: 0.15%

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Transcend Credit Union

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Transcend Credit Union Rates & Review October 2026

Q: How many branches does Transcend Credit Union operate?

Transcend 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 Transcend Credit Union?

Yes, to access services at Transcend 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, Transcend 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, Transcend 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

Transcend Credit Union's top rates as of October 10, 2026 are 4.60% APY on its 11 Month Jumbo CD, 0.15% APY on money market accounts, 3.00% APY on checking, and 6.50% on its 10 Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Transcend Credit Union CD rates include 18 month CD at 3.50%, 24 month CD at 3.50%, and 36 month CD at 3.40%. Other Transcend Credit Union mortgage rates include 15 Year Fixed at 6.75%, 20 Year Fixed at 7.00%, and 30 Year Fixed at 7.25%. MonitorBankRates evaluates the financial stability of Transcend Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.70%. Rates last updated and verified on 10/10/2026.

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

0.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Transcend Credit Union
Main Office

3740 Bardstown Rd
Louisville, KY 40218-2209

https://www.transcendcu.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.

Transcend Credit Union CD Rates

Product	Rate	APY	Term
11 Month Jumbo Share Certificate	-	4.60%	11 Month
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
18 month Certificate	-	3.50%	18 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 10, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
24 month Certificate	-	3.50%	24 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 10, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
36 month Certificate	-	3.40%	36 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10% Oct 10, 20263.40%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
12 month Certificate	-	3.30%	12 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15% Oct 10, 20263.30%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
48 month Certificate	-	3.30%	48 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00% Oct 10, 20263.30%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
60 month Certificate	-	3.20%	60 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00% Oct 10, 20263.20%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
6 month Certificate	-	3.00%	6 month
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
90 Day Certificate	-	2.00%	90 Day
Details Subject to Change: Weekly Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

Transcend Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	0.15%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Money Market Account	-	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Money Market Account	-	0.05%
Min Balance $0 Details Balance: $0 - $14,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

Transcend Credit Union Checking Rates

Product	Rate	APY
Rate Rewards Checking	-	3.00%
Min Balance $15,000 Details Qualifications Required: All Qualifying Products; APY* w/ All Qualifying Products; Balance: $15,000 - $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 3.00% ▲ 2.00 pts · high 3.00% / low 1.00% Sep 18, 20263.00%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Rate Rewards Checking	-	2.50%
Min Balance $5,000 Details Qualifications Required: All Qualifying Products; APY* w/ All Qualifying Products; Balance: $5,000 - $14,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 2.50% ▲ 2.00 pts · high 2.50% / low 0.50% Sep 18, 20262.50%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Rate Rewards Checking	-	2.10%
Min Balance $0 Details Qualifications Required: All Qualifying Products; APY* w/ All Qualifying Products; Balance: $0 - $4,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 2.10% ▲ 2.00 pts · high 2.10% / low 0.10% Sep 18, 20262.10%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Prestige Checking	0.15%	0.15%
Min Balance $15,000 Details Balance: $15,000 - $24,999.99; Any Prestige Checking account with fewer than 5 combined check/e-pay/debit card transactions per calendar month will be charged a $5 monthly minimum activity fee. To avoid the monthly minimum activity fee, one or more of the following is required: average daily combined deposit balances of $300 or more; a loan or credit card; you are under age 18 or over age 65; or for the first month the checking account is open. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Prestige Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99; Any Prestige Checking account with fewer than 5 combined check/e-pay/debit card transactions per calendar month will be charged a $5 monthly minimum activity fee. To avoid the monthly minimum activity fee, one or more of the following is required: average daily combined deposit balances of $300 or more; a loan or credit card; you are under age 18 or over age 65; or for the first month the checking account is open. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Rate Rewards Checking	-	0.10%
Min Balance $25,000 Details Qualifications Required: All Qualifying Products; APY* w/ All Qualifying Products; Balance: $25,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Prestige Checking	0.05%	0.05%
Min Balance $0 Details Any Prestige Checking account with fewer than 5 combined check/e-pay/debit card transactions per calendar month will be charged a $5 monthly minimum activity fee. To avoid the monthly minimum activity fee, one or more of the following is required: average daily combined deposit balances of $300 or more; a loan or credit card; you are under age 18 or over age 65; or for the first month the checking account is open. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Prestige Checking	0.05%	0.05%
Min Balance $25,000 Details The applicable dividend tier rate (per Deposit Rate Sheet) will be paid monthly on any amount over $25,000. Any Prestige Checking account with fewer than 5 combined check/e-pay/debit card transactions per calendar month will be charged a $5 monthly minimum activity fee. To avoid the monthly minimum activity fee, one or more of the following is required: average daily combined deposit balances of $300 or more; a loan or credit card; you are under age 18 or over age 65; or for the first month the checking account is open. Fees may reduce earnings. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Rate Rewards Checking	0.05%	0.05%
Min Balance $25,000 Details Balances of $25,000 or more receive the applicable tier rate with no additional basis points for qualifying products. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Oct 1, 20260.05%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

Transcend Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	6.50%	-	6.50%	10 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 5.75% → 6.50% ▲ 0.75 pts · high 6.50% / low 5.75% Oct 10, 20266.50%▲ from 6.25% Sep 27, 20266.25%▲ from 6.00% Sep 18, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
15 Year Fixed	6.75%	-	6.75%	15 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 5.88% → 6.75% ▲ 0.88 pts · high 6.75% / low 5.88% Oct 10, 20266.75%▲ from 6.50% Sep 27, 20266.50%▲ from 6.13% Sep 18, 20266.13%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
20 Year Fixed	7.00%	-	7.00%	20 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.25% → 7.00% ▲ 0.75 pts · high 7.00% / low 6.25% Oct 10, 20267.00%▲ from 6.75% Sep 27, 20266.75%▲ from 6.50% Sep 18, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
30 Year Fixed	7.25%	-	7.25%	30 Year
No additional details. Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50% Oct 10, 20267.25%▲ from 7.00% Sep 27, 20267.00%▲ from 6.75% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
30-year fixed home loan	-	-	7.25%	30 years
Details As Low As Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50% Oct 10, 20267.25%▲ from 7.00% Sep 27, 20267.00%▲ from 6.75% Sep 18, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

Transcend Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.50%
Details with variable rates as low as Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.99% → 6.50% ▲ 0.51 pts · high 6.50% / low 5.99% Oct 2, 20266.50%▲ from 6.25% Sep 18, 20266.25%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

Transcend Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Model Year 2022-2023 Loan	-	-	6.24%	up to 60 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2022-2023 Loan	-	-	6.64%	up to 75 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2022-2023 Loan	-	-	7.14%	up to 84 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024 - 2027 Loan	-	-	5.19%	up to 48 months
Details Purchase APR as low as; Refinance APR as low as* Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.94% → 5.19% ▲ 0.25 pts · high 5.19% / low 4.94% Oct 10, 20265.19%▲ from 4.94% Sep 18, 20264.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024 - 2027 Loan	-	-	5.44%	up to 66 months
Details Purchase APR as low as; Refinance APR as low as* Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.94% → 5.44% ▲ 0.50 pts · high 5.44% / low 4.94% Oct 10, 20265.44%▲ from 4.94% Sep 18, 20264.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024 - 2027 Loan	-	-	5.74%	up to 78 months
Details Purchase APR as low as; Refinance APR as low as* Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 10, 20265.74%▲ from 5.24% Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024 - 2027 Loan	-	-	6.24%	up to 89 months
Details Purchase APR as low as; Refinance APR as low as* Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 10, 20266.24%▲ from 5.74% Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024 - 2027 Loan	-	-	7.09%	up to 99 months
Details Purchase APR as low as; Refinance APR as low as* Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 10, 20267.09%▲ from 6.59% Sep 18, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024-2027 Loan	-	-	5.94%	up to 60 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024-2027 Loan	-	-	6.24%	up to 75 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Model Year 2024-2027 Loan	-	-	6.74%	up to 84 months
Details As low as* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or more	-	-	0.05%
Min Balance $0 Details $50,000; Balance: $0 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or more	-	-	0.10%
Min Balance $5,000 Details $50,000; Balance: $5,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or more	-	-	0.15%
Min Balance $25,000 Details $50,000; Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or more	-	-	0.20%
Min Balance $50,000 Details $50,000; Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or more	-	-	0.25%
Min Balance $100,000 Details $50,000; Balance: $100,000 or more Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or More	-	-	0.10%
Min Balance $0 Details $250,000; Qualifications Required: 2.10%; Balance: $0 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or More	-	-	0.50%
Min Balance $5,000 Details $250,000; Qualifications Required: 2.50%; Balance: $5,000 - $14,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or More	-	-	1.00%
Min Balance $15,000 Details $250,000; Qualifications Required: 3.00%; Balance: $15,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or More	-	-	0.10%
Min Balance $25,000 Details $250,000; Qualifications Required: 0.10%; Balance: $25,000 or More Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or More	-	-	0.15%
Min Balance $15,000 Details $25,000; Balance: $15,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
or More	-	-	0.05%
Min Balance $25,000 Details $25,000; Balance: $25,000 or More Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Promotional Certificate	-	-	0.05%
Min Balance $0 Details Balance: $0 - $14,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Promotional Certificate	-	-	0.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%
Promotional Certificate	-	-	0.15%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.70%

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

Transcend Credit Union’s Texas Ratio stayed near 0.39% in Q3 2023 to 0.70% 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	$588M	0.70%	5.0	A+
March 31, 2026	$589M	0.90%	5.0	A+
December 31, 2025	$572M	0.98%	5.0	A+
September 30, 2025	$557M	0.91%	5.0	A+
June 30, 2025	$563M	0.85%	5.0	A+
March 31, 2025	$553M	0.88%	5.0	A+
December 31, 2024	$540M	0.45%	5.0	A+
September 30, 2024	$528M	0.55%	5.0	A+
June 30, 2024	$527M	0.90%	5.0	A+
March 31, 2024	$530M	0.59%	5.0	A+
December 31, 2023	$519M	0.79%	5.0	A+
September 30, 2023	$513M	0.39%	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 Transcend 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 Transcend 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 Transcend Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Transcend Credit Union

Website https://www.transcendcu.com

Address 3740 Bardstown Rd, Louisville, KY 40218-2209

Phone 502-459-3000

Fax

President Mark Booker

CEO Richard Reese

Full-Time Employees 66

Part-Time Employees 6

Branch Locations 6

ATM Locations 6

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

0.70%

Return on Assets (ROA)

0.5962%

Return on Equity (ROE)

4.4600%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

588,292,824

Total Amount of Shares and Deposits

473,188,273

Total Shares and Deposits < 1 Year

433,726,432

Total Shares and Deposits 1 3 Years

35,360,908

Total Shares and Deposits > 3 Years

4,100,933

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

46,313,350

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

46,313,350

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

426,874,923

Total Interest Expense (Sum of items 6 8)

5,807,704

Share Certificates

3,086

Number of Accounts for Share Drafts

17,528

IRA KEOGH Accounts

1,110

Number of Accounts for Regular Shares

49,658

All other shares

845

Money Market Shares

169

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)

44,864,829

Total Liabilities

509,713,377

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Transcend Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Transcend Credit Union

How many branches does Transcend Credit Union operate?

Transcend 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 Transcend Credit Union?

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

Does Transcend Credit Union offer online and mobile banking?

Most modern institutions like Transcend 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.transcendcu.com.

Current Transcend Credit Union Rates

12-Month CD3.30%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.20%
MMA0.15%

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

Compare to Other Credit Unions

Transcend Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Transcend Credit Union Texas Ratio

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Transcend Credit Union Checking Rates

Transcend Credit Union Mortgage Rates

Transcend Credit Union Home Equity & HELOC

Transcend Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Transcend Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Transcend Credit Union

How many branches does Transcend Credit Union operate?

Is a member application needed to join Transcend Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Transcend Credit Union offer online and mobile banking?

Current Transcend Credit Union Rates

Compare to Other Credit Unions