What are the current interest rates at Coosa Pines Federal Credit Union?

Current rates for Coosa Pines Federal Credit Union include: 24-Month CD: 3.00%, 60-Month CD: 2.75%, Savings: 0.55%, MMA: 3.00%

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Coosa Pines Federal Credit Union

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Coosa Pines Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coosa Pines 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 12, 2026

Coosa Pines Federal Credit Union's Share & IRA CDs - 24 month rates are at 3.00%, Share & IRA CDs - 36 month rates are at 2.75%, Share & IRA CDs - 48 month rates are at 2.75%, Share & IRA CDs - 60 month rates are at 2.75%. Coosa Pines Federal Credit Union's savings rates are at 0.55%. Coosa Pines Federal Credit Union's money market rates are at 3.00%. Coosa Pines Federal Credit Union's 1st Mortgage Only rates are at 4.60%, 1st Mortgage Only rates are at 4.75%, 1st Mortgage Only rates are at 4.90%, 1st Mortgage Only rates are at 5.50%, Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 60 rates are at 6.25%. Coosa Pines Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.50%. Coosa Pines Federal Credit Union's Credit Card Rates are at 9.95%. MonitorBankRates evaluates the financial stability of Coosa Pines Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates last updated and verified on 09/12/2026.

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

2.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Coosa Pines Federal Credit Union
Coosa Pines Federal Credit Union

33710 US Highway 280
Childersburg, AL 35044-3016

https://www.coosapinesfcu.org

Coosa Pines Federal Credit Union CD Rates

Product	Rate	APY	Term
Share & IRA Certificates - 24 month	-	3.00%	24 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Share & IRA Certificates - 36 month	-	2.75%	36 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Share & IRA Certificates - 48 month	-	2.75%	48 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Share & IRA Certificates - 60 month	-	2.75%	60 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts (Christmas & Vacation Club)	-	0.55%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Regular Share (Savings)	-	0.55%
Min Balance $5 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Account ($0.00)	-	3.00%
Min Deposit $2,500 Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Money Market Share Account ($199,999.01)	-	3.00%
Min Deposit $2,500 Min Balance $199,999 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Money Market Share Account ($2,499.01)	-	3.00%
Min Deposit $2,500 Min Balance $2,499 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Money Market Share Account ($24,999.01)	-	3.00%
Min Deposit $2,500 Min Balance $24,999 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Money Market Share Account ($99,999.01)	-	3.00%
Min Deposit $2,500 Min Balance $99,999 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Checking Rates

Product	Rate	APY	View More
Regular Checking	-	0.10%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Mortgage Only	4.60%	-	5.52%	5/30 ARM
Details LTV: <=80%; Credit Category: A+ Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage Only	4.75%	-	5.61%	5/30 ARM
Details LTV: 90%; Credit Category: A+ Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage Only	4.90%	-	5.70%	5/30 ARM
Details LTV: 90%; Credit Category: A Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage Only	5.50%	-	6.06%	5/30 ARM
Details LTV: 80%; Credit Category: B Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 60	-	-	6.25%	60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 60	-	-	6.25%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage Only	6.00%	-	6.36%	5/30 ARM
Details LTV: 70%; Credit Category: C Rated Credit; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 72	-	-	6.50%	72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 72	-	-	6.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage	6.90%	-	6.90%	7 years
Details Max LTV: 90%; Credit: A+ Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage	6.95%	-	6.95%	7 years
Details Max LTV: 85%; Credit: A Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
1st Mortgage	7.00%	-	7.00%	7 years
Details Max LTV: 80%; Credit: B Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed Rate Mortgage	6.95%	-	7.23%	15
Details Term: 15-Year Fixed Rate Mortgage; Max LTV / Rate / APR**: <=75% / 6.95% / 7.23%; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed Rate Mortgage - 15 Year Fixed	6.95%	-	7.23%	15 Year Fixed
Details Max LTV: <=75%; Credit: C Rated Credit; Primary Dwelling or Second Home; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 84	-	-	7.50%	84
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 84*	-	-	7.50%	to 84*
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 120	-	-	8.00%	120
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 120*	-	-	8.00%	to 120*
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Land Only or Unimproved/ Improved Property Mortgage	-	1%	8.25%	Twelve (12) Years
Details Maximum Loan to Value (LTV) on Unimproved Property is 65% of the appraised value or purchase price, whichever is less. Maximum Loan to Value (LTV) on Improved Property is 90% of the appraised value or purchase price, whichever is less. Restrictions apply. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)	-	-	4.60%	51
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2023-2018	-	-	4.70%	51
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)	-	-	4.70%	63
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2023-2018	-	-	4.80%	63
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)	-	-	5.20%	75
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2023-2018	-	-	5.60%	75
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2026, 2025, 2024 (Mileage less than 30k)	-	-	6.20%	84
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - 2023-2018	-	-	6.40%	84
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - Models 2017-2007	-	-	7.10%	63
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New & Used Auto Loans - Models 2006 & Older and Antique	-	-	7.40%	48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 60	-	6.25%	60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 60	-	6.25%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 60	-	6.25%	60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - to 60	-	6.25%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 72	-	6.50%	72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 72	-	6.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 72	-	6.50%	72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - to 72	-	6.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 84	-	7.50%	84
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 84*	-	7.50%	to 84*
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 84	-	7.50%	84
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - to 84*	-	7.50%	to 84*
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	-	7.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	-	7.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used 2017 & Older - 48	-	7.90%	48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used 2017 & Older - to 48	-	7.90%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	-	7.90%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	-	7.90%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - 120	-	8.00%	120
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - 2026, 2025 Or Newer - to 120*	-	8.00%	to 120*
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - 120	-	8.00%	120
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Motor Homes, Travel Trailers, Boats, Farm Tractors, and Farm Equipment - Used to 2018 - to 120*	-	8.00%	to 120*
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	-	8.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan	-	8.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	-	8.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan	-	8.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Coosa Pines VISA with UChooseTM Rewards	-	9.95%
Details Fixed, based on your creditworthiness.; APR range: 9.95%, 12.95%, or 15.95% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Personal Loan Rates

Product	APR	Term
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	7.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	7.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	7.90%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	7.90%	to 60
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	8.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan	8.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - 2026, 2025 or Newer Loan	8.50%	to 72
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Recreational Vehicles: New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes - Used 2024- 2014 Loan	8.50%	to 48
Details As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

Coosa Pines Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Mortgage	7.95%	-	7.95%	7 years
Details Max LTV: 90%; Credit: A+ Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
2nd Mortgage	8.20%	-	8.20%	7 years
Details Max LTV: 85%; Credit: A Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
2nd Mortgage	8.30%	-	8.30%	7 years
Details Max LTV: 80%; Credit: B Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
2nd Mortgage	8.40%	-	8.40%	7 years
Details Max LTV: 70%; Credit: C Rated Credit; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; Maximum Term: 7 years; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Primary Dwelling Only Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Line of Credit	-	-	10.95%
Details As Low As; Personal/unsecured credit lines are offered at fixed rates ranging from 10.95% APR to 14.95% APR (Annual Percentage Rate). Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Monthly Payments Loan	-	-	10.75%	48
Details As Low As; Certain term and rate restrictions apply. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Monthly Payments Loan	-	-	10.95%	60
Details As Low As; Certain term and rate restrictions apply. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Traditional and Roth IRAs	-	-	2.00%
Min Deposit $100 Min Balance $100 Details APY = Annual Percentage Yield. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

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.
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Financial Health History

Coosa Pines Federal Credit Union’s Texas Ratio stayed near 2.59% in Q2 2023 to 2.87% 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	$414M	2.87%	5.0	A+
December 31, 2025	$400M	3.26%	5.0	A+
September 30, 2025	$393M	2.45%	5.0	A+
June 30, 2025	$379M	3.11%	5.0	A+
March 31, 2025	$379M	3.30%	5.0	A+
December 31, 2024	$371M	3.66%	5.0	A+
September 30, 2024	$371M	5.41%	5.0	A+
June 30, 2024	$370M	3.78%	5.0	A+
March 31, 2024	$368M	3.20%	5.0	A+
December 31, 2023	$360M	5.21%	5.0	A+
September 30, 2023	$358M	3.41%	5.0	A+
June 30, 2023	$355M	2.59%	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 Coosa Pines 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 Coosa Pines 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 Coosa Pines Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coosa Pines Federal Credit Union

Website https://www.coosapinesfcu.org

Address 33710 US Highway 280, Childersburg, AL 35044-3016

Phone 256-378-5559

Fax 256-378-3881

President Claude Welch

CEO Don Carden

Full-Time Employees 58

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

2.87%

Return on Assets (ROA)

0.4073%

Return on Equity (ROE)

2.5483%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

413,565,833

Total Amount of Shares and Deposits

350,814,658

Total Shares and Deposits < 1 Year

347,788,489

Total Shares and Deposits 1 3 Years

2,739,114

Total Shares and Deposits > 3 Years

287,054

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

23,382,148

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

23,382,148

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

327,432,510

Total Interest Expense (Sum of items 6 8)

1,305,752

Share Certificates

2,407

Number of Accounts for Share Drafts

17,481

IRA KEOGH Accounts

1,072

Number of Accounts for Regular Shares

27,850

Money Market Shares

603

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)

43,853,240

Total Liabilities

352,669,575

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Coosa Pines Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Coosa Pines Federal Credit Union

How many branches does Coosa Pines Federal Credit Union operate?

Coosa Pines 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 Coosa Pines Federal Credit Union?

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

Does Coosa Pines Federal Credit Union offer online and mobile banking?

Most modern institutions like Coosa Pines 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.coosapinesfcu.org.

Current Coosa Pines Federal Credit Union Rates

24-Month CD3.00%
60-Month CD2.75%
Savings0.55%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Coosa Pines Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Coosa Pines Federal Credit Union Texas Ratio

Coosa Pines Federal Credit Union Health Trend

Coosa Pines Federal Credit Union CD Rates

Coosa Pines Federal Credit Union Savings Rates

Coosa Pines Federal Credit Union Money Market Rates

Coosa Pines Federal Credit Union Checking Rates

Coosa Pines Federal Credit Union Mortgage Rates

Coosa Pines Federal Credit Union Auto Loan Rates

Coosa Pines Federal Credit Union RV, Boat and Powersport Loan Rates

Coosa Pines Federal Credit Union Credit Card Rates

Coosa Pines Federal Credit Union Personal Loan Rates

Coosa Pines Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Coosa Pines Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Coosa Pines Federal Credit Union

How many branches does Coosa Pines Federal Credit Union operate?

Is a member application needed to join Coosa Pines Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Coosa Pines Federal Credit Union offer online and mobile banking?

Current Coosa Pines Federal Credit Union Rates

Compare to Other Credit Unions