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Advertiser Disclosure
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 Christian Financial Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 9, 2026
Christian Financial Credit Union's 24 Month CD rates are at 4.20%, 24 Month IRA CD rates are at 4.20%, 18 Month CD rates are at 4.10%, 18 Month IRA CD rates are at 4.10%, 12 Month CD rates are at 4.00%. Christian Financial Credit Union's savings rates are at 0.05%. Christian Financial Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Christian Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.58%. Rates last updated and verified on 09/09/2026. Christian 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 Christian Financial Credit Union? Share your experience about Christian Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Christian Financial Credit Union. Christian Financial Credit Union
Westward Way 35100 Van Dyke Ave
https://www.christianfinancialcu.org Sterling Heights, MI 48312 
Christian Financial Credit Union CD Rates
Christian Financial Credit Union Savings Rates
Christian Financial Credit Union Money Market Rates
Christian Financial Credit Union Home Equity & HELOC
Christian Financial Credit Union Auto Loan Rates
Christian Financial Credit Union Credit Card Rates
Christian Financial Credit Union Personal Loan Rates
Financial Health HistoryChristian Financial Credit Union’s Texas Ratio fell from 2.19% in Q2 2023 to 1.58% 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; 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Christian 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 Christian 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 Christian Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Christian Financial Credit Union
Address
35100 Van Dyke Ave,
Sterling Heights, MI 48312
Phone
586-772-6330
Fax
President
James Banaszak
CEO
Patricia Campbell
Full-Time Employees
189
Part-Time Employees
8
Branch Locations
12
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.58%
Return on Assets (ROA)
0.1434%
Return on Equity (ROE)
1.4689%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
1,113,788,527
Total Amount of Shares and Deposits
981,037,220
Total Shares and Deposits < 1 Year
886,705,825
Total Shares and Deposits 1 3 Years
86,752,454
Total Shares and Deposits > 3 Years
7,578,941
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,745,003
Total Uninsured Shares and Deposits > $250K (F+J)
52,745,003
Total Insured Shares and Deposits > $250K (item 17 less item K)
928,292,217
Total Interest Expense (Sum of items 6 8)
4,451,926
Share Certificates
6,524
Number of Accounts for Share Drafts
38,769
IRA KEOGH Accounts
1,945
Number of Accounts for Regular Shares
118,540
All other shares
145
Money Market Shares
4,190
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)
103,490,680
Total Liabilities
1,007,034,200
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Christian Financial Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Christian Financial Credit Union
Frequently Asked Questions About Christian Financial Credit UnionHow many branches does Christian Financial Credit Union operate?Christian 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 Christian Financial Credit Union?Yes, to access services at Christian 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, Christian 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, Christian Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Christian Financial Credit Union offer online and mobile banking?Most modern institutions like Christian 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.christianfinancialcu.org. Current Christian Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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