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Ascend Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 14, 2026
Ascend Federal Credit Union's 9 month Special CD rates are at 4.15%, IRA Accumulation CD - 12 Month IRA Variable rates are at 4.00%, 60 month Business Regular CD rates are at 3.82%, 60 month Regular, Business and / or IRA CD rates are at 3.82%, 48 month Business Regular CD rates are at 3.76%. Ascend Federal Credit Union's savings rates are at 0.01%. Ascend Federal Credit Union's money market rates are at 0.20%. Ascend Federal Credit Union's Mortgage Rates - 5/5 ARM rates are at 6.12%, Mortgage Rates - 15 Year Fixed rates are at 6.25%, VA 30 Year Fixed Rate rates are at 6.62%, Mortgage Rates - 30 Year Fixed rates are at 6.75%, Mortgage Rates - 5/5 ARM First Time Homebuyer rates are at 6.68%. Ascend Federal Credit Union's Personal Loan Rates are as low as 12.35%. Ascend Federal Credit Union's Credit Card Rates are at 9.50%. MonitorBankRates evaluates the financial stability of Ascend Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.01%. Rates last updated and verified on 09/14/2026.
Ascend 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 Ascend Federal Credit Union? Share your experience about Ascend Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ascend Federal Credit Union.
Ascend Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Ascend Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.01%
ExcellentLower than avg
Ascend Federal Credit Union Texas Ratio
Ascend Federal Credit Union's Texas Ratio is 2.01%, which is considered excellent and is lower than the national average of 6.13%.
Ascend Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.00% to 2.01% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
IRA Accumulation Share Certificate - 12 Month IRA Variable
3.93%
4.00%
12 Month
Min Deposit$5
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
60 month Business Regular Share Certificate
3.75%
3.82%
60 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
60 month Regular, Business and / or IRA Share Certificate
3.75%
3.82%
60 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
48 month Business Regular Share Certificate
3.70%
3.76%
48 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
54 month Member's Advantage Share Certificate
3.70%
3.76%
54 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
48 month Regular, Business and / or IRA Share Certificate
3.70%
3.76%
48 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
24 month Business Jumbo Share Certificate
3.65%
3.71%
24 Months
Min Deposit$100,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
36 month Business Regular Share Certificate
3.65%
3.71%
36 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
36 month Regular, Business and / or IRA Share Certificate
3.65%
3.71%
36 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
12 month Business Jumbo Share Certificate
3.60%
3.66%
12 Months
Min Deposit$100,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
3 month Business Regular Share Certificate
3.60%
3.66%
3 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
18 month Business Regular Share Certificate
3.60%
3.66%
18 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
24 month Business Regular Share Certificate
3.60%
3.66%
24 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
3 month Regular, Business and / or IRA Share Certificate
3.60%
3.66%
3 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
18 month Regular, Business and / or IRA Share Certificate
3.60%
3.66%
18 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
24 month Regular, Business and / or IRA Share Certificate
3.60%
3.66%
24 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
12 month Business Regular Share Certificate
3.55%
3.61%
12 Months
Min Deposit$500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
15 month Member's Advantage Share Certificate
3.55%
3.61%
15 Months
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
12 month Regular, Business and / or IRA Share Certificate
3.55%
3.61%
12 Months
Min Deposit$500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
6 month Business Jumbo Share Certificate
3.45%
3.51%
6 Months
Min Deposit$100,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
6 month Business Regular Share Certificate
3.40%
3.45%
6 Months
Min Deposit$500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
6 month Regular, Business and / or IRA Share Certificate
3.40%
3.45%
6 Months
Min Deposit$500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
36 Month Variable Home Purchase Share Certificate
3.35%
3.40%
36 Month Variable
Min Deposit$1,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Savings Rates
Product
Rate
APY
View More
Business Christmas Club
0.20%
0.20%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business Savings
0.20%
0.20%
Min Balance$250,000
Details$250,000 and over
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business Savings
0.15%
0.15%
Min Balance$100,000
Details$100,000 - $249,999.99
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business Savings
0.05%
0.05%
Min Balance$10,000
Details$10,000 - $99,999.99
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business Savings
0.01%
0.01%
Min Balance$0
DetailsBalance under $9,999.99
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Traditional Business Money Market
3.50%
3.56%
Min Balance$5,000,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
3.50%
3.56%
Min Balance$5,000,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business High-Yield Money Market
3.10%
3.14%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
High-Yield Money Market
3.10%
3.14%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
1.35%
1.36%
Min Balance$100,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
1.35%
1.36%
Min Balance$250,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
1.35%
1.36%
Min Balance$500,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
1.35%
1.36%
Min Balance$1,000,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
1.35%
1.36%
Min Balance$2,500,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
1.35%
1.36%
Min Balance$100,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
1.35%
1.36%
Min Balance$250,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
1.35%
1.36%
Min Balance$500,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
1.35%
1.36%
Min Balance$1,000,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
1.35%
1.36%
Min Balance$2,500,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
1.30%
1.31%
Min Balance$10,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
1.30%
1.31%
Min Balance$10,000
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
0.50%
0.50%
Min Balance$2,500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
0.50%
0.50%
Min Balance$2,500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Business Money Market
0.20%
0.20%
Min Balance$2,500
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Traditional Money Market
0.20%
0.20%
Min Balance$0
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Checking Rates
Product
Rate
APY
View More
Business High-Yield Checking
2.99%
3.04%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business Basic Checking
0.20%
0.20%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Business Preferred Checking
0.20%
0.20%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Preferred Checking
0.20%
0.20%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage Rates - 5/5 ARM
6.13%
0.00
6.36%
30 Year
Details5/5 ARM
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Mortgage Rates - 15 Year Fixed
6.25%
0.00
6.39%
15 Year Fixed
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
VA 30 Year Fixed Rate
6.63%
0.000
6.74%
30 Year Fixed
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Mortgage Rates - 30 Year Fixed
6.75%
0.00
6.84%
30 Year Fixed
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Mortgage Rates - 5/5 ARM First Time Homebuyer
6.68%
0.00
6.88%
30 Year
Details5/5 ARM
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Mortgage Rates - 7/1 ARM
6.38%
0.00
7.06%
30 Year
Details7/1 ARM
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Mortgage Rates - 10/1 ARM
6.63%
0.00
7.21%
30 Year
Details10/1 ARM
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
FHA 30 Year Fixed Rate
6.50%
0.000
7.48%
30 Year Fixed
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
5/1 Vacant Land Loan
8.25%
0.00
8.85%
5/1
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
-
-
5.25%
36 Months
DetailsAPR range: 5.250% - 6.250%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Home Equity Loan
-
-
5.75%
60 Months
DetailsAPR range: 5.750% - 6.750%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Home Equity Loan
-
-
6.25%
84 Months
DetailsAPR range: 6.250% - 7.250%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Home Equity Line of Credit
-
-
6.75%
DetailsAPR range: 6.750% - 8.750% Variable
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Home Equity Loan
-
-
6.75%
120 Months
DetailsAPR range: 6.750% - 7.750%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Home Equity Loan
-
-
7.00%
180 Months
DetailsAPR range: 7.000% - 8.000%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle Auto Loan
-
-
4.99%
60-month
DetailsRates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $10,000 loan amount and a 60-month term would be $189.03.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
New Vehicle Loan
-
-
4.99%
Up To 60 Months
DetailsMinimum Loan Value: No Minimum; APR range: 4.99% - 17.39%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Used Vehicle Auto Loan
-
-
5.39%
60-month
DetailsRates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $10,000 loan amount and a 60-month term would be $190.91.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Used Vehicle Loan
-
-
5.39%
Up To 60 Months
DetailsMinimum Loan Value: No Minimum; APR range: 5.39% - 18.00%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
New Vehicle Auto Loan
-
-
5.49%
61-month
DetailsRates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $15,000 loan amount and a 61-month term would be $282.97.
DetailsRates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $15,000 loan amount and a 61-month term would be $284.74.
DetailsRates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $25,000 loan amount and a 76-month term would be $397.01.
DetailsRates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $25,000 loan amount and a 76-month term would be $403.67.
DetailsMinimum Loan Value: NO MINIMUM; APR range: 7.49% - 18.00%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Used Recreational Loan
-
7.49%
60-month
DetailsRates effective April 1, 2026. Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. For Used Vehicles 100% of NADA retail value. Percentage is determined by credit worthiness. Monthly payment on a $10,000 loan amount and a 60-month term would be $200.97.
DetailsRates effective April 1, 2026. Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. For Used Vehicles 100% of NADA retail value. Percentage is determined by credit worthiness. Monthly payment on a $20,000 loan amount and a 61-month term would be $398.93.
DetailsRates effective April 1, 2026. Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. For Used Vehicles 100% of NADA retail value. Percentage is determined by credit worthiness. Monthly payment on a $60,000 loan amount and an 85-month term would be $929.78.
DetailsRates effective April 1, 2026. Your APR will be based on your credit score and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. For Used Vehicles 100% of NADA retail value. Percentage is determined by credit worthiness. Monthly payment on a $75,000 loan amount and a 121-month term would be $927.91.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Visa
-
9.50%
DetailsAnnual Percentage Rate (APR) for Purchases. Based on your creditworthiness. Regular APR: 9.50% to 18.00%.; APR range: 9.50% to 18.00%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Visa Platinum Rewards
-
9.50%
DetailsAPR range: 9.50% - 18.00%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Student Visa
-
9.90%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Visa Secured Platinum
-
15.90%
No additional details.
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Line of Credit
12.35%
DetailsAPR range: 12.35% - 18.00%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Personal Loan
12.35%
DetailsAPR range: 12.35% - 18.00%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Ascend Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
High-Yield
2.99%
-
3.04%
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
High-Yield
-
-
3.04%
Min Balance$15,000
DetailsQualifications Required: Earn 3.04% APY on balances up to $15,000; Easily waive monthly fees in multiple ways; Earn 3.04% APY on balances up to $15,000; Easily waive monthly fees in multiple ways; Overdraft protection included
Last Updated09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.01%
Financial Health History
Ascend Federal Credit Union’s Texas Ratio rose from 1.00% in Q2 2023 to 2.01% in Q1 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
March 31, 2026
$4.7B
2.01%
5.0
A+
December 31, 2025
$4.7B
2.50%
5.0
A+
September 30, 2025
$4.6B
2.38%
5.0
A+
June 30, 2025
$4.6B
2.62%
5.0
A+
March 31, 2025
$4.6B
1.73%
5.0
A+
December 31, 2024
$4.4B
2.13%
5.0
A+
September 30, 2024
$4.4B
1.91%
5.0
A+
June 30, 2024
$4.4B
1.54%
5.0
A+
March 31, 2024
$4.4B
1.25%
5.0
A+
December 31, 2023
$4.3B
1.32%
5.0
A+
September 30, 2023
$4.2B
1.25%
5.0
A+
June 30, 2023
$4.1B
1.00%
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 Ascend 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 Ascend 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 Ascend Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
371,670,284
Total Uninsured Shares and Deposits > $250K (F+J)
371,670,284
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,448,821,273
Total Interest Expense (Sum of items 6 8)
20,998,059
Share Certificates
27,544
Number of Accounts for Share Drafts
167,177
IRA KEOGH Accounts
7,844
Number of Accounts for Regular Shares
292,136
All other shares
828
Non Member Deposits
3
Money Market Shares
12,076
Net Income (unless the amount is already included in Undivided Earnings)
14,877,047
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)
195,653,968
Total Liabilities
4,141,479,200
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Ascend 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Ascend Federal Credit Union
How many branches does Ascend Federal Credit Union operate?
Ascend 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 Ascend Federal Credit Union?
Yes, to access services at Ascend 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, Ascend 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, Ascend Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Ascend Federal Credit Union offer online and mobile banking?
Most modern institutions like Ascend 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://ascend.org.
Current Ascend Federal Credit Union Rates
12-Month CD3.61%
18-Month CD3.66%
24-Month CD3.66%
60-Month CD3.82%
Savings0.01%
MMA0.20%
Retrieved from our database of financial products. Rates subject to change.