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Artesian Federal Credit Union

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Artesian Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Artesian Federal 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: August 31, 2026

Artesian Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates has no NCUA call report data for Artesian Federal Credit Union, so it is not rated. Rates last updated and verified on 08/31/2026.

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

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Artesian Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.25%	0.25%
Details Withdrawal Penalty is $15.00 per transaction. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Regular Share Account	0.00%	0.25%
Min Balance $100 Details Annual Percentage Yield is accurate as of September 14, 2022. These rates may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Account Transfer Limitations Apply. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Artesian Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans (First and Second Mortgages)	-	-	4.50%	61 - 180 Months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Equity Loans (First and Second Mortgages)	-	-	7.00%	61 - 180 Months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Home Equity Loans (First and Second Mortgages)	-	-	8.25%	181 - 240 Months
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

Artesian Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans (Current up to 3 Years Old)	-	-	4.50%	3 Years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Vehicle Loans (Current up to 3 Years Old)	-	-	5.00%	3 Years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Vehicle Loans (4 Years or Older)	-	-	5.75%	4 Years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%
Vehicle Loans (4 Years or Older)	-	-	6.25%	4 Years
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.64%

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

Artesian Federal Credit Union’s Texas Ratio fell from 16.28% in Q2 2023 to 9.64% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$29M	9.64%	5.0	A
December 31, 2025	$30M	12.05%	5.0	A
September 30, 2025	$31M	10.26%	5.0	A
June 30, 2025	$32M	13.64%	5.0	A
March 31, 2025	$32M	13.46%	5.0	A
December 31, 2024	$32M	16.66%	4.9	A-
September 30, 2024	$33M	18.03%	4.8	B+
June 30, 2024	$34M	13.40%	5.0	A
March 31, 2024	$34M	11.45%	5.0	A
December 31, 2023	$32M	20.30%	4.6	B
September 30, 2023	$32M	16.28%	4.9	A-
June 30, 2023	$31M	16.28%	4.9	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 Artesian Federal 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 Artesian Federal 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 Artesian Federal Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

Artesian Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Artesian Federal 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.

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Frequently Asked Questions About Artesian Federal Credit Union

How many branches does Artesian Federal Credit Union operate?

Artesian Federal 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 Artesian Federal Credit Union?

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

Does Artesian Federal Credit Union offer online and mobile banking?

Most modern institutions like Artesian Federal 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.artesianfcu.org.