What are the current interest rates at Cooperative Extension Service Federal Credit Union?

Current rates for Cooperative Extension Service Federal Credit Union include: 12-Month CD: 3.50%, Savings: 0.32%

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Cooperative Extension Service Federal Credit Union

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Cooperative Extension Service Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cooperative Extension Service 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

Cooperative Extension Service Federal Credit Union's 12-Month CD rates are at 3.50%, 6-Month CD rates are at 3.00%. Cooperative Extension Service Federal Credit Union's savings rates are at 0.32%. Cooperative Extension Service Federal Credit Union's Personal Loan Rates are at 9.24%. MonitorBankRates evaluates the financial stability of Cooperative Extension Service Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/04/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cooperative Extension Service Federal Credit Union
Corporate Office

2301 S University Ave
Little Rock, AR 72204-4940

https://cesfcu.org

Cooperative Extension Service Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month Share Certificate	3.50%	3.50%	12-Month
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month Share Certificate	3.00%	3.00%	6-Month
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Cooperative Extension Service Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Share Savings	0.32%	0.32%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Regular Share Savings	0.32%	0.32%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Second Share Savings	0.32%	0.32%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Third Share Savings	0.32%	0.32%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Vacation Share Savings	0.32%	0.32%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Cooperative Extension Service Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Vehicle Loan	-	-	4.99%	5
Details Term: Current to 5 Year Old Models; New vehicles are vehicles that have not previously been sold or titled. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Older Model Vehicles Loan	-	-	5.49%	6
Details Term: 6 Year Old to 10 Year Old Models Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Cooperative Extension Service Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	6.00%
Details Rates range from 6.00% to 11.50% Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Cooperative Extension Service Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured or Personal Signature Loan	9.24%	24 - 60 Months
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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

Cooperative Extension Service Federal Credit Union’s Texas Ratio stayed near 0.19% in Q2 2023 to 0.00% 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

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	$5M	0.00%	5.0	A+
December 31, 2025	$5M	0.51%	5.0	A+
September 30, 2025	$5M	0.53%	5.0	A+
June 30, 2025	$5M	0.64%	5.0	A+
March 31, 2025	$5M	0.10%	5.0	A+
December 31, 2024	$5M	0.28%	5.0	A+
September 30, 2024	$4M	0.89%	5.0	A+
June 30, 2024	$4M	0.41%	5.0	A+
March 31, 2024	$4M	0.56%	5.0	A+
December 31, 2023	$5M	0.42%	5.0	A+
September 30, 2023	$5M	0.43%	5.0	A+
June 30, 2023	$5M	0.19%	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 Cooperative Extension Service 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 Cooperative Extension Service 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 Cooperative Extension Service Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cooperative Extension Service Federal Credit Union

Website https://cesfcu.org

Address 2301 S University Ave, Little Rock, AR 72204-4940

Phone 501-671-2037

Fax 501-671-2306

President BeVerly Sims

CEO Tammy Christian

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

-0.2578%

Return on Equity (ROE)

-1.0872%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

4,989,685

Total Amount of Shares and Deposits

3,744,198

Total Shares and Deposits < 1 Year

3,744,198

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

3,744,198

Total Interest Expense (Sum of items 6 8)

15,942

Share Certificates

Number of Accounts for Regular Shares

722

All other shares

103

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)

616,377

Total Liabilities

3,806,678

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Cooperative Extension Service 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 Cooperative Extension Service Federal Credit Union

How many branches does Cooperative Extension Service Federal Credit Union operate?

Cooperative Extension Service 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 Cooperative Extension Service Federal Credit Union?

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

Does Cooperative Extension Service Federal Credit Union offer online and mobile banking?

Most modern institutions like Cooperative Extension Service 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://cesfcu.org.