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Cadets Federal Credit Union

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Cadets Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Cadets Federal Credit Union?

Yes, to access services at Cadets 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cadets 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: September 10, 2026

Cadets Federal Credit Union's Personal Loan Rates are at 6.00%. MonitorBankRates has no NCUA call report data for Cadets Federal Credit Union, so it is not rated. Rates last updated and verified on 09/10/2026.

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

Cadets Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Mortgage	-	-	6.00%	10 Year
Details 15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
15 Year Mortgage	-	-	6.50%	15 Year
Details 15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
20 Year Mortgage	-	-	7.00%	20 Year
Details 15% - 20% Down Payment Required w/no PMI; 10% Down Payment Required w/PMI Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%

Cadets Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity ATV, Jetski, Snowmobile, Tractors	-	-	4.75%	36-72 Month
Details As Low As Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity	-	-	6.00%	8 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor! Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity Home Improvement Loan	-	-	6.00%	60 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity	-	-	6.25%	10 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor! Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity	-	-	6.50%	12 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor! Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity Home Improvement Loan	-	-	6.50%	72 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity	-	-	6.75%	15 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor! Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity	-	-	7.00%	20 Year
Details 80% Loan to Equity Value; $10,000 Minimum Financing; Interest may be tax deductible, consult your tax advisor! Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity 10 Year Mortgage	-	-	7.00%	10 Year
Details 25% Down Payment Required Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity Home Improvement Loan	-	-	7.00%	84 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity 12 Year Mortgage	-	-	7.50%	12 Year
Details 25% Down Payment Required Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity Home Improvement Loan	-	-	7.50%	96 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity 15 Year Mortgage	-	-	8.00%	15 Year
Details 25% Down Payment Required Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity Home Improvement Loan	-	-	8.00%	108 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Home Equity Home Improvement Loan	-	-	8.50%	120 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%

Cadets Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	3.75%	36 Month
Details Up To 100% Financing Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	4.00%	48 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	4.25%	54 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	4.25%	36 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	4.50%	60 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	4.50%	48 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	4.75%	66 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	4.75%	54 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	5.00%	60 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	5.25%	72 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	5.25%	66 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	5.50%	78 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
New Autos	-	-	5.75%	84 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	5.75%	72 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	6.25%	78 Month
Details 2020 or Newer Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Used Autos	-	-	6.50%	84 Month
Details 2020 or Newer Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%

Cadets Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	6.00%	24 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Personal Loan	6.00%	36 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Debt Consolidation Loan	7.00%	36 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Personal Loan	7.00%	48 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Debt Consolidation Loan	8.00%	48 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Personal Loan	8.00%	60 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%
Debt Consolidation Loan	9.00%	60 Month
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.32%

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

Cadets Federal Credit Union’s Texas Ratio fell from 13.88% in Q2 2023 to 8.32% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the 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	$18M	8.32%	5.0	A
December 31, 2025	$18M	10.85%	5.0	A
September 30, 2025	$18M	8.55%	5.0	A
June 30, 2025	$19M	10.25%	5.0	A
March 31, 2025	$19M	9.28%	5.0	A
December 31, 2024	$19M	7.53%	5.0	A
September 30, 2024	$19M	4.49%	5.0	A+
June 30, 2024	$19M	1.73%	5.0	A+
March 31, 2024	$19M	8.43%	5.0	A
December 31, 2023	$18M	4.07%	5.0	A+
September 30, 2023	$17M	14.56%	5.0	A-
June 30, 2023	$18M	13.88%	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 Cadets 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 Cadets 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 Cadets Federal Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

Cadets 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Cadets Federal Credit Union

How many branches does Cadets Federal Credit Union operate?

Cadets 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 Cadets Federal Credit Union?

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

Does Cadets Federal Credit Union offer online and mobile banking?

Most modern institutions like Cadets 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://cadetsfcu.com/.