What are the current interest rates at Widget Financial Credit Union?

Current rates for Widget Financial Credit Union include: 12-Month CD: 3.61%, 18-Month CD: 3.61%, 24-Month CD: 3.66%, 60-Month CD: 3.82%, Savings: 0.50%, MMA: 1.51%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Widget Financial Credit Union

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Widget Financial Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Widget Financial 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

Widget Financial Credit Union's top rates as of October 10, 2026 are 3.97% APY on its 60 Month Minimum Deposit CD, 0.50% APY on savings, 1.51% APY on money market accounts, 0.10% APY on checking, 7.58% on its Mortgage, personal loans from 7.24% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other Widget Financial Credit Union CD rates include 60 Month Minimum Deposit CD at 3.97%, 48 Month Minimum Deposit CD at 3.92%, and 48 Month Minimum Deposit CD at 3.92%. MonitorBankRates evaluates the financial stability of Widget Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.84%. Rates last updated and verified on 10/10/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.84%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Widget Financial Credit Union
East Lake Rd

2154 E Lake Rd
Erie, PA 16511-1140

https://www.widgetfinancial.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.

Widget Financial Credit Union CD Rates

Product	Rate	APY	Term
60 Month Minimum Deposit Certificate	3.90%	3.97%	60 Month
Min Deposit $125,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
60 Month Minimum Deposit Share Certificate	3.90%	3.97%	60 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48 Month Minimum Deposit Certificate	3.85%	3.92%	48 Month
Min Deposit $125,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48 Month Minimum Deposit Share Certificate	3.85%	3.92%	48 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
60 Month Minimum Deposit Certificate	3.85%	3.92%	60 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36 Month Minimum Deposit Certificate	3.80%	3.87%	36 Month
Min Deposit $125,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36 Month Minimum Deposit Share Certificate	3.80%	3.87%	36 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48 Month Minimum Deposit Certificate	3.80%	3.87%	48 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24 Month Minimum Deposit Certificate	3.75%	3.82%	24 Month
Min Deposit $125,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24 Month Minimum Deposit Share Certificate	3.75%	3.82%	24 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30 Month Minimum Deposit Certificate	3.75%	3.82%	30 Month
Min Deposit $125,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30 Month Minimum Deposit Share Certificate	3.75%	3.82%	30 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36 Month Minimum Deposit Certificate	3.75%	3.82%	36 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
60 Month Share Certificate	3.75%	3.82%	60 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24 Month Minimum Deposit Certificate	3.70%	3.76%	24 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30 Month Minimum Deposit Certificate	3.70%	3.76%	30 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
48 Month Share Certificate	3.70%	3.76%	48 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36 Month Share Certificate	3.65%	3.71%	36 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
24 Month Share Certificate	3.60%	3.66%	24 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
30 Month Share Certificate	3.60%	3.66%	30 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
10 Month Share Certificate	3.55%	3.61%	10 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
11 Month Share Certificate	3.55%	3.61%	11 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
12 Month Share Certificate	3.55%	3.61%	12 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
13 Month Share Certificate	3.55%	3.61%	13 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
15 Month Share Certificate	3.55%	3.61%	15 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
18 Month Share Certificate	3.55%	3.61%	18 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
6 Month Share Certificate	3.55%	3.61%	6 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
7 Month Share Certificate	3.55%	3.61%	7 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
8 Month Share Certificate	3.55%	3.61%	8 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
9 Month Share Certificate	3.55%	3.61%	9 Month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.50%	0.50%
Min Deposit $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Savings - Over 25	0.10%	0.10%
Min Deposit $1 Details balances over $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Savings - Under 25	0.10%	0.10%
Min Deposit $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Holiday Club	0.01%	0.01%
Min Deposit $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Savings - Over 25	0.01%	0.01%
Min Deposit $1 Min Balance $500 Details balances under $50,000; The minimum daily balance to earn posted dividends on a savings for an account with the primary account holder over the age of 25 is $500. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Special Savings	0.01%	0.01%
Min Deposit $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Vacation Club	0.01%	0.01%
Min Deposit $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.50%	1.51%
Min Deposit $2,000 Min Balance $200,000 Details Balance: $200,000+; Dividends are calculated on the average daily balance of $2,000 or more and credited monthly. Rate applies to the portion of your balance within tier. Minimum draws are $500. If there is a draw below $500, a fee may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Money Market	1.30%	1.31%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000-$199,999; Dividends are calculated on the average daily balance of $2,000 or more and credited monthly. Rate applies to the portion of your balance within tier. Minimum draws are $500. If there is a draw below $500, a fee may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.31% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Money Market	1.10%	1.11%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Dividends are calculated on the average daily balance of $2,000 or more and credited monthly. Rate applies to the portion of your balance within tier. Minimum draws are $500. If there is a draw below $500, a fee may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Money Market	0.90%	0.90%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Dividends are calculated on the average daily balance of $2,000 or more and credited monthly. Rate applies to the portion of your balance within tier. Minimum draws are $500. If there is a draw below $500, a fee may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Money Market	0.70%	0.70%
Min Deposit $2,000 Min Balance $0 Details Balance: <$25,000; Dividends are calculated on the average daily balance of $2,000 or more and credited monthly. Rate applies to the portion of your balance within tier. Minimum draws are $500. If there is a draw below $500, a fee may apply. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Checking Rates

Product	Rate	APY	View More
Experience Checking	0.10%	0.10%
Min Deposit $1 Min Balance $1,000 Details Experience Checking is for members age 50+ and a $1000 minimum balance is required to earn dividends. Certificates held by Experience Members earn 10 basis points over the current certificate rate upon renewal Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Mortgage	-	-	7.582%	30 year fixed
No additional details. Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 7.20% → 7.58% ▲ 0.38 pts · high 7.58% / low 7.20% Oct 10, 20267.58%▲ from 7.45% Oct 1, 20267.45%▲ from 7.20% Sep 27, 20267.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	5.49%	-	5.589%	5 Years
Details Annual Percentage Rate (APR) shown is lowest possible APR & includes 1/4% discount for automatic payments and e-statements. Interest rate based on creditworthiness, term, lien position and equity in home. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. [2] Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Loan	5.99%	-	6.043%	10 Years
Details Annual Percentage Rate (APR) shown is lowest possible APR & includes 1/4% discount for automatic payments and e-statements. Interest rate based on creditworthiness, term, lien position and equity in home. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. [2] Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Loan	5.99%	-	6.054%	8 Years
Details Annual Percentage Rate (APR) shown is lowest possible APR & includes 1/4% discount for automatic payments and e-statements. Interest rate based on creditworthiness, term, lien position and equity in home. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. [2] Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Loan	6.24%	-	6.277%	15 Years
Details Annual Percentage Rate (APR) shown is lowest possible APR & includes 1/4% discount for automatic payments and e-statements. Interest rate based on creditworthiness, term, lien position and equity in home. Loan must include at least $5,000 new money to the credit union. Maximum loan $200,000. Subject to credit approval. Rates subject to change at any time; restrictions and conditions apply. Consult your tax advisor regarding tax deductibility of interest. Payment and Rate examples are based on a first lien position on your primary residence: Monthly payment on a $50,000 loan at 5.589% APR for 60 months is $954.90. Monthly payment on a $50,000 loan for 96 months at 6.054% APR is $656.89. Monthly payment on a $50,000 loan at 6.043% APR for 120 months is $554.90. Monthly payment on a $50,000 loan at 6.277% APR for 180 months is $428.48. Examples do not include escrows for property taxes or insurance premiums which you will be required to pay separately. [2] Closing Costs: The credit union will pay for the credit report and appraisal or valuation of your home up to a maximum of $500. Contact the credit union for an estimate of other closing costs that you will pay at closing. You may be required to pay the cost of the property valuation upfront. Up to $500 will be refunded after your loan is closed. No fees will be refunded if the loan does not close. Property valuation typically ranges from $75 to $600 for a single-family home. The appraisal or valuation will not be paid by the credit union if your home is or will be listed for sale or you have received this promotion within the last six months. Equal Housing Lender. NMLS#447022 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Home Equity Line of Credit	-	-	7.00%	10-year draw period
Details Variable rate based on The Wall Street Journal Prime Lending Rate plus a margin. Closing costs: credit union pays up to $500 for credit report and appraisal/valuation, refunded after closing if loan closes. Property valuation typically $75-$600. Credit union does not pay valuation if home is listed for sale or promotion received within last 6 months. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto - 2025 or newer Loan	-	-	6.59%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	6.59%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	6.59%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	6.69%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	6.79%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	6.79%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	6.79%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	6.79%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	6.79%	66 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	6.99%	66 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	6.99%	72 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.09%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.09%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.09%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.09%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.09%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.09%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.09%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.09%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	7.09%	75 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	7.19%	72 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	7.19%	78 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	7.29%	75 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2019 Loan	-	-	7.49%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2019 Loan	-	-	7.49%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2020 Loan	-	-	7.49%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2020 Loan	-	-	7.49%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2020 Loan	-	-	7.49%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2023-2024 Loan	-	-	7.49%	78 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2025 or newer Loan	-	-	7.49%	84 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2019 Loan	-	-	7.59%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2019 Loan	-	-	7.59%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2020 Loan	-	-	7.59%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.59%	66 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.59%	72 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.59%	66 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.59%	72 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2022 Loan	-	-	7.59%	75 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2020 Loan	-	-	7.79%	66 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2021 Loan	-	-	7.79%	75 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2018 Loan	-	-	8.09%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2018 Loan	-	-	8.09%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2018 Loan	-	-	8.09%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2014-2016 Loan	-	-	8.39%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2014-2016 Loan	-	-	8.39%	2014-2016
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2017 Loan	-	-	8.39%	24 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2014-2016 Loan	-	-	8.49%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2014-2016 Loan	-	-	8.49%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2017 Loan	-	-	8.49%	36 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2017 Loan	-	-	8.49%	48 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Auto - 2014-2016 Loan	-	-	8.59%	60-63 Months
Details Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2017 is 60 months. Rates obtained at a dealership may vary from above. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Motor homes, ATVs, personal water crafts, snowmobiles, travel trailers, motorcycles Loan	-	10.39%
Details Rates based on new vehicles, credit worthiness, term, vehicle type, amount, and other conditions. Terms vary. Please inquire at credit union. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.39% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	10.00%
Details As low as; No Annual Fee; No balance transfer fee; Local Support; Zero Liability; 24/7 Fraud Monitoring; Mobile Wallet; Apply Online Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Widget Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.24%	Up to 12 months
Details As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	7.74%	13-24 months
Details As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	8.24%	25-36 months
Details As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	8.74%	37-48 months
Details As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Loan	9.24%	49-60 months
Details As Low As; APR shown includes relationship discount when you have e-statements and automatic payments from your account here. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Personal Line of Credit	9.95%	Revolving Line
Details Rate based on creditworthiness. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Motor homes, ATVs, personal water crafts, snowmobiles, travel trailers, motorcycles Loan	10.39%
Details Rates based on new vehicles, credit worthiness, term, vehicle type, amount, and other conditions. Terms vary. Please inquire at credit union. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.39% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

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.
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Financial Health History

Widget Financial Credit Union’s Texas Ratio stayed near 2.13% in Q3 2023 to 1.84% 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	$480M	1.84%	5.0	A+
March 31, 2026	$485M	2.14%	5.0	A+
December 31, 2025	$467M	2.25%	5.0	A+
September 30, 2025	$463M	2.40%	5.0	A+
June 30, 2025	$459M	1.55%	5.0	A+
March 31, 2025	$462M	2.52%	5.0	A+
December 31, 2024	$440M	2.29%	5.0	A+
September 30, 2024	$431M	2.54%	5.0	A+
June 30, 2024	$437M	1.98%	5.0	A+
March 31, 2024	$439M	1.71%	5.0	A+
December 31, 2023	$428M	2.44%	5.0	A+
September 30, 2023	$422M	2.13%	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 Widget Financial 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 Widget Financial 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 Widget Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Widget Financial Credit Union

Website https://www.widgetfinancial.com

Address 2154 E Lake Rd, Erie, PA 16511-1140

Phone 814-456-6231

Fax 814-875-4600

President Marko Jovanovich

CEO Matthew Margosian

Full-Time Employees 117

Part-Time Employees 2

Branch Locations 9

ATM Locations 8

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.84%

Return on Assets (ROA)

0.3435%

Return on Equity (ROE)

3.2084%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

480,324,668

Total Amount of Shares and Deposits

428,061,117

Total Shares and Deposits < 1 Year

407,948,774

Total Shares and Deposits 1 3 Years

17,665,682

Total Shares and Deposits > 3 Years

2,446,662

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

13,012,877

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

13,012,877

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

415,048,240

Total Interest Expense (Sum of items 6 8)

2,818,730

Share Certificates

2,660

Number of Accounts for Share Drafts

27,980

IRA KEOGH Accounts

728

Number of Accounts for Regular Shares

47,041

Money Market Shares

372

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)

35,044,329

Total Liabilities

429,649,949

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Widget Financial 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/widget-rates-review-1117">
  <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

There are no reviews for Widget Financial 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 Widget Financial Credit Union

Frequently Asked Questions About Widget Financial Credit Union

How many branches does Widget Financial Credit Union operate?

Widget Financial 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 Widget Financial Credit Union?

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

Does Widget Financial Credit Union offer online and mobile banking?

Most modern institutions like Widget Financial 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.widgetfinancial.com.

Current Widget Financial Credit Union Rates

12-Month CD3.61%
18-Month CD3.61%
24-Month CD3.66%
60-Month CD3.82%
Savings0.50%
MMA1.51%

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

Compare to Other Credit Unions

Widget Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Widget Financial Credit Union Texas Ratio

Widget Financial Credit Union Health Trend

Widget Financial Credit Union CD Rates

Widget Financial Credit Union Savings Rates

Widget Financial Credit Union Money Market Rates

Widget Financial Credit Union Checking Rates

Widget Financial Credit Union Mortgage Rates

Widget Financial Credit Union Home Equity & HELOC

Widget Financial Credit Union Auto Loan Rates

Widget Financial Credit Union RV, Boat and Powersport Loan Rates

Widget Financial Credit Union Credit Card Rates

Widget Financial Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Widget Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Widget Financial Credit Union

How many branches does Widget Financial Credit Union operate?

Is a member application needed to join Widget Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Widget Financial Credit Union offer online and mobile banking?

Current Widget Financial Credit Union Rates

Compare to Other Credit Unions