What are the current interest rates at Commodore Perry Federal Credit Union?

Current rates for Commodore Perry Federal Credit Union include: 12-Month CD: 1.26%, 18-Month CD: 1.36%, 24-Month CD: 1.51%, 60-Month CD: 3.03%, MMA: 0.50%

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Commodore Perry Federal Credit Union

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Commodore Perry Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commodore Perry 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 4, 2026

Commodore Perry Federal Credit Union's 60 month CDs rates are at 3.03%, IRA CD 60 month rates are at 3.03%, 48 month CDs rates are at 2.27%, IRA CD 48 month rates are at 2.27%, 36 month CDs rates are at 2.02%. Commodore Perry Federal Credit Union's money market rates are at 0.50%. Commodore Perry Federal Credit Union's Personal Loan Rates are at 11.70%. MonitorBankRates evaluates the financial stability of Commodore Perry Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.50%. Rates last updated and verified on 09/04/2026.

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

Verified Healthy 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

1.50%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Commodore Perry Federal Credit Union
COMMODORE PERRY FEDERAL CREDIT UNION

1016 S STATE ROUTE 19
OAK HARBOR, OH 43449

https://www.cpfcu.coop/

Commodore Perry Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month Certificates	3.00%	3.03%	60 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
IRA Certificate 60 month	3.00%	3.03%	60 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
48 month Certificates	2.25%	2.27%	48 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
IRA Certificate 48 month	2.25%	2.27%	48 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
36 month Certificates	2.00%	2.02%	36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
IRA Certificate 36 month	2.00%	2.02%	36 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
24 month Certificates	1.50%	1.51%	24 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
IRA Certificate 24 month	1.50%	1.51%	24 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
18 month Certificates	1.35%	1.36%	18 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
IRA Certificate 18 month	1.35%	1.36%	18 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
12 month Certificates	1.25%	1.26%	12 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
IRA Certificate 12 month	1.25%	1.26%	12 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
6 month Certificates	1.00%	1.00%	6 months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Commodore Perry Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Share Account	0.75%	0.75%
Min Balance $100 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Jr. Commodore Savers Account	0.75%	0.75%
Min Deposit $25 Details Balance range: $2,999.99 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Regular Share Account	0.05%	0.05%
Min Deposit $200 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Christmas Club Share Account	0.03%	0.03%
Min Balance $3,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Jr. Commodore Savers Account	0.03%	0.03%
Min Deposit $3,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Commodore Perry Federal Credit Union Money Market Rates

Product	Rate	APY
Flagship Money Market Account	4.00%	4.00%
Min Deposit $250,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Flagship Money Market Account	1.50%	1.51%
Min Deposit $75,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Flagship Money Market Account	1.00%	1.00%
Min Deposit $35,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Flagship Money Market Account	0.75%	0.75%
Min Deposit $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Flagship Money Market Account	0.50%	0.50%
Min Deposit $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Commodore Perry Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Vehicle Loans	-	-	5.25%	Up to 35 months
Details As Low As; Any Year Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Commodore Perry Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Commodore Perry Visa Credit Card	-	11.40%
Details APR range: 11.40% - 18.00% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Commodore Perry Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.70%	60 months
Details Term: Varies - Up to 60 months; APR range: 11.70 - 18.00% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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

Commodore Perry Federal Credit Union’s Texas Ratio fell from 3.43% in Q2 2023 to 1.50% in Q1 2026, so its financial health has improved and is now 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

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	$103M	1.50%	5.0	A+
December 31, 2025	$101M	6.79%	5.0	A
September 30, 2025	$102M	4.06%	5.0	A+
June 30, 2025	$99M	1.66%	5.0	A+
March 31, 2025	$97M	0.72%	5.0	A+
December 31, 2024	$94M	6.61%	5.0	A
September 30, 2024	$89M	9.09%	5.0	A
June 30, 2024	$90M	4.64%	5.0	A+
March 31, 2024	$86M	0.52%	5.0	A+
December 31, 2023	$87M	8.83%	5.0	A
September 30, 2023	$88M	9.05%	5.0	A
June 30, 2023	$86M	3.43%	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 Commodore Perry 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 Commodore Perry 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 Commodore Perry Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Commodore Perry Federal Credit Union

Website https://www.cpfcu.coop/

Address 1016 S STATE ROUTE 19, OAK HARBOR, OH 43449

Phone 419-898-3366

Fax 419-898-0065

President CHARLEEN HAYES

CEO ANGELA FINN

Full-Time Employees 32

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

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

1.50%

Return on Assets (ROA)

0.2302%

Return on Equity (ROE)

2.2486%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

102,957,059

Total Amount of Shares and Deposits

87,850,289

Total Shares and Deposits < 1 Year

79,500,053

Total Shares and Deposits 1 3 Years

6,387,157

Total Shares and Deposits > 3 Years

1,963,079

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

7,084,913

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

7,084,913

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

80,765,376

Total Interest Expense (Sum of items 6 8)

389,536

Share Certificates

286

Number of Accounts for Share Drafts

4,570

IRA KEOGH Accounts

Number of Accounts for Regular Shares

8,261

All other shares

474

Non Member Deposits

Money Market Shares

558

Net Income (unless the amount is already included in Undivided Earnings)

237,040

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)

13,406,614

Total Liabilities

93,675,276

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Commodore Perry Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Commodore Perry Federal Credit Union

How many branches does Commodore Perry Federal Credit Union operate?

Commodore Perry 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 Commodore Perry Federal Credit Union?

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

Does Commodore Perry Federal Credit Union offer online and mobile banking?

Most modern institutions like Commodore Perry 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.cpfcu.coop/.